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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Live Oak BancsharesLOB +0.80%70 Median PS Value is $50.29 as of Jul. 31, 2026, which is 7520% above its 10-year median of 0.66. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,044 Banks companies, Live Oak Bancshares ranks better than 81.13% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Live Oak Bancshares (NYSE:LOB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Live Oak Bancshares's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
42.80
/
50.29
=
0.85
* 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 Median PS Value Related Terms
Live Oak Bancshares Median PS Value Historical Data
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The historical data trend for Live Oak Bancshares's Median PS Value 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.
LOB vs NBHC, CHCO, STBA: Median PS Value Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.1164.
Live Oak Bancshares's Revenue per Share 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 $12.217.
* 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 Median PS Value of $50.29 as of Jul. 31, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Live Oak Bancshares and its competitors. This is 7520% above median its historical median of 0.66. Over the past decade, Live Oak Bancshares' Median PS Value has ranged from 0.57 to 0.85. According to the industry distribution chart, Live Oak Bancshares ranks #197 out of 1044 companies in the Banks industry, placing it in the top 18.9%.
Is Live Oak Bancshares' Median PS Value too high?
Live Oak Bancshares' current Median PS Value of $50.29 is 7520% above median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 0.85. The Banks industry median Median PS Value is 1.13. Live Oak Bancshares' value of $50.29 is 4350.4% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #197 out of 1044 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Median PS Value compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #197 out of 1044 companies for Median PS Value. This places Live Oak Bancshares in the top 19% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.13. Live Oak Bancshares' value of $50.29 is 4350.4% above this benchmark. Historically, Live Oak Bancshares' own Median PS Value has ranged from 0.57 to 0.85 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 1.13, Live Oak Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.13, based on 1,044 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Median PS Value of $50.29 is 4350.4% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Median PS Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Median PS Value is $50.29, which is 7520% above median its own 10-year median of 0.66. 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 Median PS Value is $50.29, which is 7520% above median its 10-year median of 0.66 and 4350.4% above the Banks industry median of 1.13. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Median PS Value is $50.29 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:
Median PS Value: $50.29 (7520% above median its 10-year median of 0.66)
GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
Industry Position: 4350.4% above the Banks median (#197 of 1044)
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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