Live Oak BancsharesLOB -1.80%70 Cyclically Adjusted PS Ratio is 4.52 as of Jul. 09, 2026, which is 0% below its 10-year median of 4.53. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $42.79 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,301 Banks companies, Live Oak Bancshares ranks worse than 73.87% on this metric.
The historical rank and industry rank for Live Oak Bancshares's Cyclically Adjusted PS Ratio or its related term are showing as below:
LOB'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.97 Med: 4.53 Max: 6.76
Current: 4.51
During the past years, Live Oak Bancshares's highest Cyclically Adjusted PS Ratio was 6.76. The lowest was 2.97. And the median was 4.53.
LOB's Cyclically Adjusted PS Ratio is ranked worse than 73.87% of 1301
companies
in the Banks industry
Industry Median: 3.29
vs LOB: 4.51
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Live Oak Bancshares's adjusted revenue per share data for the three months ended in Mar. 2026 was $3.018. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $8.94 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Live Oak Bancshares (NYSE:LOB) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Live Oak Bancshares Cyclically Adjusted PS Ratio Related Terms
Live Oak Bancshares Cyclically Adjusted PS Ratio Historical Data
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The historical data trend for Live Oak Bancshares's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Live Oak Bancshares Cyclically Adjusted PS Ratio Chart
LOB vs CHCO, SRCE, CASH: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Live Oak Bancshares Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Cyclically Adjusted PS Ratio falls into.
Live Oak Bancshares Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
Live Oak Bancshares's Cyclically Adjusted PS Ratio for today is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 4.52 mean?
Live Oak Bancshares (LOB) has a Cyclically Adjusted PS Ratio of 4.52 as of Jul. 09, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Live Oak Bancshares and its competitors. This is near median its historical median of 4.53. Over the past decade, Live Oak Bancshares' Cyclically Adjusted PS Ratio has ranged from 2.97 to 6.76. According to the industry distribution chart, Live Oak Bancshares ranks #961 out of 1301 companies in the Banks industry, placing it in the top 73.9%.
Is Live Oak Bancshares' Cyclically Adjusted PS Ratio too high?
Live Oak Bancshares' current Cyclically Adjusted PS Ratio of 4.52 is near median its 10-year median of 4.53. Over the past 10 years, this metric has ranged from a low of 2.97 to a high of 6.76. The Banks industry median Cyclically Adjusted PS Ratio is 3.29. Live Oak Bancshares' value of 4.52 is 37.4% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #961 out of 1301 companies in the Banks industry, which is below the industry midpoint. Overall, Live Oak Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Cyclically Adjusted PS Ratio compare to CHCO and SRCE?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #961 out of 1301 companies for Cyclically Adjusted PS Ratio. This places Live Oak Bancshares in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.29. Live Oak Bancshares' value of 4.52 is 37.4% above this benchmark. Historically, Live Oak Bancshares' own Cyclically Adjusted PS Ratio has ranged from 2.97 to 6.76 over the past decade. While the company's 10-year median is 4.53 vs. the industry median of 3.29, Live Oak Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.29, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Cyclically Adjusted PS Ratio of 4.52 is 37.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Cyclically Adjusted PS Ratio is 4.52, which is near median its own 10-year median of 4.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Live Oak Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Live Oak Bancshares (LOB) is currently considered Fairly Valued. The stock's GF Value™ is $42.79, compared to a current price of $40.37 — trading 5.7% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 4.52, which is near median its 10-year median of 4.53 and 37.4% above the Banks industry median of 3.29. Live Oak Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Cyclically Adjusted PS Ratio is 4.52 as of Jul. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Live Oak Bancshares (LOB) Overvalued in 2026?
Based on GuruFocus' analysis, Live Oak Bancshares stock appears to be undervalued.
The current stock price of $40.37 is trading 5.7% below its estimated GF Value™ of $42.79.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Cyclically Adjusted PS Ratio: 4.52 (near median its 10-year median of 4.53)
GF Value™: $42.79 vs. price of $40.37 (5.7% below fair value)
Industry Position: 37.4% above the Banks median (#961 of 1301)
No single metric tells the full story. See the LOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
70GF Score
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