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During the past 12 months, Live Oak Bancshares's average EPS without NRI Growth Rate was 132.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -17.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -3.00% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 16.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Live Oak Bancshares was 108.90% per year. The lowest was -23.00% per year. And the median was 5.55% per year.
Live Oak Bancshares (NYSE:LOB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Live Oak Bancshares 3-Year EPS without NRI Growth Rate Related Terms
LOB vs RBCAA, FSUN, GABC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's 3-Year EPS without NRI Growth Rate falls into.
Live Oak Bancshares 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -17.10% mean?
Live Oak Bancshares (LOB) has a 3-Year EPS without NRI Growth Rate of -17.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #1285 out of 1401 companies in the Banks industry, placing it in the top 91.7%.
Is Live Oak Bancshares' 3-Year EPS without NRI Growth Rate too high?
Live Oak Bancshares' current 3-Year EPS without NRI Growth Rate is -17.10%. Based on the distribution chart, Live Oak Bancshares ranks #1285 out of 1401 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Live Oak Bancshares has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' 3-Year EPS without NRI Growth Rate compare to RBCAA and FSUN?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #1285 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This places Live Oak Bancshares in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Live Oak Bancshares and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current 3-Year EPS without NRI Growth Rate is -17.10%. 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 Modestly Undervalued. The stock's GF Value™ is $42.79, compared to a current price of $38.11 — trading 10.9% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -17.10%. Live Oak Bancshares' overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current 3-Year EPS without NRI Growth Rate is -17.10% as of Jun. 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 $38.11 is trading 10.9% below its estimated GF Value™ of $42.79.
GuruFocus considers Live Oak Bancshares to be Modestly Undervalued.
Key valuation signals for LOB:
3-Year EPS without NRI Growth Rate: -17.10%
GF Value™: $42.79 vs. price of $38.11 (10.9% below fair value)
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.
71GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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