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Live Oak BancsharesLOB -0.59%70 Net Margin % is 21.40% as of Mar. 2026, which is 6% above its 10-year median of 20.24. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.12 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Live Oak Bancshares ranks worse than 57.73% on this metric.
Live Oak Bancshares (NYSE:LOB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Live Oak Bancshares Net Margin % Related Terms
Live Oak Bancshares Net Margin % Historical Data
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The historical data trend for Live Oak Bancshares's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Net Margin % 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 Net Margin % of 21.40% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Live Oak Bancshares and its competitors. This is near median its historical median of 20.24. Over the past decade, Live Oak Bancshares' Net Margin % has ranged from 8.94 to 56.52. According to the industry distribution chart, Live Oak Bancshares ranks #881 out of 1526 companies in the Banks industry, placing it in the top 57.7%.
Is Live Oak Bancshares' Net Margin % too high?
Live Oak Bancshares' current Net Margin % of 21.40% is near median its 10-year median of 20.24. Over the past 10 years, this metric has ranged from a low of 8.94 to a high of 56.52. The Banks industry median Net Margin % is 27.05. Live Oak Bancshares' value of 21.40% is 20.9% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #881 out of 1526 companies in the Banks industry, which is below 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' Net Margin % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #881 out of 1526 companies for Net Margin %. This places Live Oak Bancshares in the lower half of its industry. The industry median Net Margin % is 27.05. Live Oak Bancshares' value of 21.40% is 20.9% below this benchmark. Historically, Live Oak Bancshares' own Net Margin % has ranged from 8.94 to 56.52 over the past decade. While the company's 10-year median is 20.24 vs. the industry median of 27.05, Live Oak Bancshares has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Net Margin % of 21.40% is 20.9% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Net Margin % is 21.40%, which is near median its own 10-year median of 20.24. 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 $43.12, compared to a current price of $42.46 — trading 1.5% below its estimated fair value. The current Net Margin % is 21.40%, which is near median its 10-year median of 20.24 and 20.9% below the Banks industry median of 27.05. Live Oak Bancshares' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Net Margin % is 21.40% as of Mar. 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 $42.46 is trading 1.5% below its estimated GF Value™ of $43.12.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Net Margin %: 21.40% (near median its 10-year median of 20.24)
GF Value™: $43.12 vs. price of $42.46 (1.5% below fair value)
Industry Position: 20.9% below the Banks median (#881 of 1526)
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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