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FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Live Oak Bancshares FCF Yield % Related Terms
Live Oak Bancshares FCF Yield % Historical Data
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The historical data trend for Live Oak Bancshares's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's FCF Yield % falls into.
* 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 FCF Yield % of 13.17 as of Jul. 31, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #444 out of 1502 companies in the Banks industry, placing it in the top 29.6%.
Is Live Oak Bancshares' FCF Yield % too high?
Live Oak Bancshares' current FCF Yield % is 13.17. The Banks industry median FCF Yield % is 7.90. Live Oak Bancshares' value of 13.17 is 66.7% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #444 out of 1502 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' FCF Yield % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #444 out of 1502 companies for FCF Yield %. This puts Live Oak Bancshares in the upper half of its industry. The industry median FCF Yield % is 7.90. Live Oak Bancshares' value of 13.17 is 66.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.90, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current FCF Yield % of 13.17 is 66.7% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median FCF Yield % is 7.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current FCF Yield % is 13.17. 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 $43.14, compared to a current price of $42.80 — trading 0.8% below its estimated fair value. The current FCF Yield % is 13.17 and 66.7% above the Banks industry median of 7.90. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current FCF Yield % is 13.17 as of Jul. 31, 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 $42.80 is trading 0.8% below its estimated GF Value™ of $43.14.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
FCF Yield %: 13.17
GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
Industry Position: 66.7% above the Banks median (#444 of 1502)
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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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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