LOB (Live Oak Bancshares) Margin of Safety % (DCF Earnings Based): 35.45% (As of Jun. 25, 2026)


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $40.26
GF Value $42.59
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Live Oak Bancshares Margin of Safety % (DCF Earnings Based)?

Live Oak Bancshares LOB -0.11% 70 Margin of Safety % (DCF Earnings Based) is 35.45% as of Jun. 25, 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Live Oak Bancshares's Predictability Rank is 4.5-Stars. Live Oak Bancshares's intrinsic value calculated from the Discounted Earnings model is $62.36 and current share price is $40.255. Consequently,

Live Oak Bancshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 35.45%.

LOB vs CHCO, SRCE, CASH: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Live Oak Bancshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Live Oak Bancshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Live Oak Bancshares's Margin of Safety % (DCF Earnings Based) falls into.


LOB
70GF Score
Live Oak Bancshares Inc LOB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Live Oak Bancshares Margin of Safety % (DCF Earnings Based) Calculation

Live Oak Bancshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(62.36-40.255)/62.36
=35.45 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 35.45% mean?
Live Oak Bancshares (LOB) has a Margin of Safety % (DCF Earnings Based) of 35.45% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Live Oak Bancshares.
Is Live Oak Bancshares' Margin of Safety % (DCF Earnings Based) too high?
Live Oak Bancshares' current Margin of Safety % (DCF Earnings Based) is 35.45%. 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' Margin of Safety % (DCF Earnings Based) compare to CHCO and SRCE?
Live Oak Bancshares' Margin of Safety % (DCF Earnings Based) of 35.45% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Live Oak Bancshares. Live Oak Bancshares's current Margin of Safety % (DCF Earnings Based) is 35.45%. 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 Margin of Safety % (DCF Earnings Based) is 35.45%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Margin of Safety % (DCF Earnings Based) is 35.45% as of Jun. 25, 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:

  • Margin of Safety % (DCF Earnings Based): 35.45%
  • 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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.26
Price
$42.59
GF Value