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The historical data trend for Live Oak Bancshares's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's OCF 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 OCF Margin % of 62.25% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #408 out of 1498 companies in the Banks industry, placing it in the top 27.2%.
Is Live Oak Bancshares' OCF Margin % too high?
Live Oak Bancshares' current OCF Margin % is 62.25%. The Banks industry median OCF Margin % is 29.16. Live Oak Bancshares' value of 62.25% is 113.5% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #408 out of 1498 companies in the Banks industry, which is above 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' OCF Margin % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #408 out of 1498 companies for OCF Margin %. This puts Live Oak Bancshares in the upper half of its industry. The industry median OCF Margin % is 29.16. Live Oak Bancshares' value of 62.25% is 113.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current OCF Margin % of 62.25% is 113.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current OCF Margin % is 62.25%. 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 OCF Margin % is 62.25% and 113.5% above the Banks industry median of 29.16. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current OCF Margin % is 62.25% 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 $42.80 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:
OCF Margin %: 62.25%
GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
Industry Position: 113.5% above the Banks median (#408 of 1498)
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
Get the complete analysis for LOB
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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