LOB (Live Oak Bancshares) Moat Score: 6/10 (As of Jun. 28, 2026)


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $41.40
GF Value $42.61
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares Moat Score?

Live Oak Bancshares LOB +1.07% 70 Moat Score is 6 as of Jun. 28, 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $42.61 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,614 Banks companies, Live Oak Bancshares ranks better than 97.83% on this metric.

Live Oak Bancshares has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Live Oak Bancshares has Narrow Moat: Live Oak Bancshares has a strong narrow moat with a robust digital banking platform and customer loyalty. Its innovative approach and niche focus provide a competitive edge, though it lacks the scale for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Live Oak Bancshares might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Live Oak Bancshares  (NYSE:LOB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Live Oak Bancshares Moat Score Related Terms

LOB vs CHCO, SRCE, CASH: Moat Score Comparison

For the Banks - Regional subindustry, Live Oak Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Live Oak Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Live Oak Bancshares's Moat Score falls into.


LOB
70GF Score
Live Oak Bancshares Inc LOB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Live Oak Bancshares (LOB) has a Moat Score of 6 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Live Oak Bancshares ranks #35 out of 1614 companies in the Banks industry, placing it in the top 2.2%.
Is Live Oak Bancshares' Moat Score too high?
Live Oak Bancshares' current Moat Score is 6. Based on the distribution chart, Live Oak Bancshares ranks #35 out of 1614 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' Moat Score compare to CHCO and SRCE?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #35 out of 1614 companies for Moat Score. This places Live Oak Bancshares in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Live Oak Bancshares's current Moat Score is 6. 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 $42.61, compared to a current price of $41.40 — trading 2.8% below its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Moat Score is 6 as of Jun. 28, 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 $41.40 is trading 2.8% below its estimated GF Value™ of $42.61. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • Moat Score: 6
  • GF Value™: $42.61 vs. price of $41.40 (2.8% 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

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

$41.40
Price
$42.61
GF Value