LOB (Live Oak Bancshares) EPS (Basic): $2.64 (TTM As of Mar. 2026)


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $40.26
GF Value $42.59
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares EPS (Basic)?

Live Oak Bancshares LOB -0.11% 70 EPS (Basic) is $2.64 as of Mar. 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $42.59 (Fairly Valued). The stock has 5 warning signs investors should review.

Live Oak Bancshares's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.61. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.64.

Live Oak Bancshares's EPS (Diluted) for the three months ended in Mar. 2026 was $0.60. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.61.

Live Oak Bancshares's EPS without NRI for the three months ended in Mar. 2026 was $0.60. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 2.61.

During the past 12 months, Live Oak Bancshares's average EPS without NRIGrowth Rate was 100.80% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Live Oak Bancshares's highest 3-Year average EPS without NRI Growth Rate 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) EPS (Basic) Explanation

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 EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Live Oak Bancshares EPS (Basic) Related Terms

Live Oak Bancshares EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Live Oak Bancshares's EPS (Basic) 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 EPS (Basic) Chart

Live Oak Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.87 4.02 1.67 1.72 2.25

Live Oak Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.21 0.51 0.56 0.96 0.61
LOB
70GF Score
Live Oak Bancshares Inc LOB
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Live Oak Bancshares EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Live Oak Bancshares's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(105.871-3.048)/45.701
=2.25

Live Oak Bancshares's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(30.04-0)/46.139
=0.65

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.64

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $2.64 mean?
Live Oak Bancshares (LOB) has a EPS (Basic) of $2.64 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' EPS (Basic) too high?
Live Oak Bancshares' current EPS (Basic) is $2.64. 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' EPS (Basic) compare to CHCO and SRCE?
Live Oak Bancshares' EPS (Basic) of $2.64 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current EPS (Basic) is $2.64. 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 $42.59, compared to a current price of $40.26 — trading 5.5% below its estimated fair value. The current EPS (Basic) is $2.64. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current EPS (Basic) is $2.64 as of Mar. 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 $40.26 is trading 5.5% below its estimated GF Value™ of $42.59. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • EPS (Basic): $2.64
  • GF Value™: $42.59 vs. price of $40.26 (5.5% below fair value)
  • GF Score™: 70/100 with 5 warning signs

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 Business Description

Address 1741 Tiburon Drive, Wilmington, NC, USA, 28403
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

Get the complete analysis for LOB

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.26
Price
$42.59
GF Value