LOB (Live Oak Bancshares) YoY EPS Growth: 45.10% (As of Jun. 2026)

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LOB Live Oak Bancshares Inc LOB
71 GF Score
Price $39.25
GF Value $44.42
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Live Oak Bancshares YoY EPS Growth?

Live Oak Bancshares LOB +0.23% 71 YoY EPS Growth is 45.10% as of Jun. 2026. GuruFocus rates LOB with a GF Score™ of 71/100 and a GF Value™ of $44.42 (Modestly Undervalued). The stock has 4 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Live Oak Bancshares's YoY EPS Growth for the quarter that ended in Jun. 2026 was 45.10%.

Live Oak Bancshares's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was $0.74.

Live Oak Bancshares YoY EPS Growth Historical Data

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The historical data trend for Live Oak Bancshares's YoY EPS Growth 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 YoY EPS Growth Chart

Live Oak Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 159.44 5.66 -58.16 3.05 31.95

Live Oak Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
YoY EPS Growth 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 -13.56 96.43 331.82 185.71 45.10
LOB
71GF Score
Live Oak Bancshares Inc LOB
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Live Oak Bancshares YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

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

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(2.23-1.69)/ | 1.69 |
=31.95 %

Live Oak Bancshares's YoY EPS Growth for the quarter that ended in Jun. 2026 is calculated as:

YoY EPS Growth (Q: Jun. 2026 )
=(Earnings per Share (Diluted) (Q: Jun. 2026 )-Earnings per Share (Diluted) (Q: Jun. 2025 )) / | Earnings per Share (Diluted) (Q: Jun. 2025 )) |
=(0.74-0.51)/ | 0.51 |
=45.10 %

* 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 YoY EPS Growth →
What does a YoY EPS Growth of 45.10% mean?
Live Oak Bancshares (LOB) has a YoY EPS Growth of 45.10% as of Jun. 2026. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' YoY EPS Growth too high?
Live Oak Bancshares' current YoY EPS Growth is 45.10%. 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' YoY EPS Growth compare to RBCAA and FSUN?
Live Oak Bancshares' YoY EPS Growth of 45.10% 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 YoY EPS Growth for a Banks company?
A good YoY EPS Growth depends on the Banks industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Live Oak Bancshares and its competitors. Live Oak Bancshares's current YoY EPS Growth is 45.10%. 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 $44.42, compared to a current price of $39.25 — trading 11.6% below its estimated fair value. The current YoY EPS Growth is 45.10%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current YoY EPS Growth is 45.10% 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 $39.25 is trading 11.6% below its estimated GF Value™ of $44.42. GuruFocus considers Live Oak Bancshares to be Modestly Undervalued.

Key valuation signals for LOB:

  • YoY EPS Growth: 45.10%
  • GF Value™: $44.42 vs. price of $39.25 (11.6% below fair value)
  • GF Score™: 71/100 with 4 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.
71GF Score

Get the complete analysis for LOB

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

$39.25
Price
$44.42
GF Value