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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Live Oak Bancshares's Enterprise Value is $1,157.3 Mil.
Live Oak Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $237.4 Mil. Therefore, Live Oak Bancshares's EV-to-FCF for today is 4.88.
The historical rank and industry rank for Live Oak Bancshares's EV-to-FCF or its related term are showing as below:
LOB'
s EV-to-FCF Range Over the Past 10 Years
Min: -429.04 Med: -2.04 Max: 120.19
Current: 4.88
During the past 13 years, the highest EV-to-FCF of Live Oak Bancshares was 120.19. The lowest was -429.04. And the median was -2.04.
LOB's EV-to-FCF is ranked better than 58.68% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs LOB: 4.88
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Live Oak Bancshares (NYSE:LOB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Live Oak Bancshares's PE Ratio (TTM) for today is calculated as:
Live Oak Bancshares's share price for today is $40.73.
Live Oak Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.840.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Live Oak Bancshares EV-to-FCF Related Terms
Live Oak Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's EV-to-FCF 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.
For the Banks - Regional subindustry, Live Oak Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's EV-to-FCF falls into.
Live Oak Bancshares's current Enterprise Value is $1,157.3 Mil.
Live Oak Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $237.4 Mil.
* 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 (LOB) has a EV-to-FCF of 4.88 as of Aug. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #488 out of 1181 companies in the Banks industry, placing it in the top 41.3%.
Is Live Oak Bancshares' EV-to-FCF too high?
Live Oak Bancshares' current EV-to-FCF is 4.88. The Banks industry median EV-to-FCF is 7.08. Live Oak Bancshares' value of 4.88 is 31.1% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #488 out of 1181 companies in the Banks industry, which is above 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' EV-to-FCF compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #488 out of 1181 companies for EV-to-FCF. This puts Live Oak Bancshares in the upper half of its industry. The industry median EV-to-FCF is 7.08. Live Oak Bancshares' value of 4.88 is 31.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.08, based on 1,181 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current EV-to-FCF of 4.88 is 31.1% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current EV-to-FCF is 4.88. 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 $43.23, compared to a current price of $40.73 — trading 5.8% below its estimated fair value. The current EV-to-FCF is 4.88 and 31.1% below the Banks industry median of 7.08. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current EV-to-FCF is 4.88 as of Aug. 20, 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 $40.73 is trading 5.8% below its estimated GF Value™ of $43.23.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
EV-to-FCF: 4.88
GF Value™: $43.23 vs. price of $40.73 (5.8% below fair value)
Industry Position: 31.1% below the Banks median (#488 of 1181)
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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