Live Oak BancsharesLOB +1.64%70 PB Ratio is 1.60 as of Jun. 25, 2026, which is 16% below its 10-year median of 1.90. 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. Among 1,515 Banks companies, Live Oak Bancshares ranks worse than 81.25% on this metric.
Live Oak Bancshares Inc stock PB Ratio (=1.58) is close to 1-year high of 1.66.
The historical rank and industry rank for Live Oak Bancshares's PB Ratio or its related term are showing as below:
LOB'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.9 Max: 6.11
Current: 1.6
During the past 13 years, Live Oak Bancshares's highest PB Ratio was 6.11. The lowest was 0.69. And the median was 1.90.
LOB's PB Ratio is ranked worse than 81.25% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs LOB: 1.60
During the past 12 months, Live Oak Bancshares's average Book Value Per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Live Oak Bancshares was 79.30% per year. The lowest was 6.90% per year. And the median was 20.70% per year.
Back to Basics: PB Ratio
Live Oak Bancshares (NYSE:LOB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Live Oak Bancshares PB Ratio Related Terms
Live Oak Bancshares PB Ratio Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Live Oak Bancshares (LOB) has a PB Ratio of 1.60 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Live Oak Bancshares and its competitors. This is 16% below median its historical median of 1.90. Over the past decade, Live Oak Bancshares' PB Ratio has ranged from 0.69 to 6.11. According to the industry distribution chart, Live Oak Bancshares ranks #1231 out of 1515 companies in the Banks industry, placing it in the top 81.3%.
Is Live Oak Bancshares' PB Ratio too high?
Live Oak Bancshares' current PB Ratio of 1.60 is 16% below median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 6.11. The Banks industry median PB Ratio is 1.08. Live Oak Bancshares' value of 1.60 is 48.1% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #1231 out of 1515 companies in the Banks industry, which is in the bottom quartile 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' PB Ratio compare to CHCO and SRCE?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #1231 out of 1515 companies for PB Ratio. This places Live Oak Bancshares in the lower half of its industry. The industry median PB Ratio is 1.08. Live Oak Bancshares' value of 1.60 is 48.1% above this benchmark. Historically, Live Oak Bancshares' own PB Ratio has ranged from 0.69 to 6.11 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current PB Ratio of 1.60 is 48.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current PB Ratio is 1.60, which is 16% below median its own 10-year median of 1.90. 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 $40.96 — trading 3.8% below its estimated fair value. The current PB Ratio is 1.60, which is 16% below median its 10-year median of 1.90 and 48.1% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current PB Ratio is 1.60 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 $40.96 is trading 3.8% below its estimated GF Value™ of $42.59.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
PB Ratio: 1.60 (16% below median its 10-year median of 1.90)
GF Value™: $42.59 vs. price of $40.96 (3.8% below fair value)
Industry Position: 48.1% above the Banks median (#1231 of 1515)
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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