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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-03), Live Oak Bancshares's 3-1 Month Momentum % is 8.62%.
The industry rank for Live Oak Bancshares's 3-1 Month Momentum % or its related term are showing as below:
LOB's 3-1 Month Momentum % is ranked better than 72.37% of 1578
companies
in the Banks industry
Industry Median: 2.65
vs LOB: 8.62
Live Oak Bancshares (NYSE:LOB) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Live Oak Bancshares 3-1 Month Momentum % Related Terms
LOB vs NBHC, CHCO, STBA: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's 3-1 Month Momentum % falls into.
Live Oak Bancshares (NYSE:LOB) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of 8.62% as of Aug. 03, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #436 out of 1578 companies in the Banks industry, placing it in the top 27.6%.
Is Live Oak Bancshares' 3-1 Month Momentum % too high?
Live Oak Bancshares' current 3-1 Month Momentum % is 8.62%. The Banks industry median 3-1 Month Momentum % is 2.65. Live Oak Bancshares' value of 8.62% is 225.3% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #436 out of 1578 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' 3-1 Month Momentum % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #436 out of 1578 companies for 3-1 Month Momentum %. This puts Live Oak Bancshares in the upper half of its industry. The industry median 3-1 Month Momentum % is 2.65. Live Oak Bancshares' value of 8.62% is 225.3% 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 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.65, based on 1,578 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current 3-1 Month Momentum % of 8.62% is 225.3% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current 3-1 Month Momentum % is 8.62%. 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 $43.18, compared to a current price of $43.70 — trading 1.2% above its estimated fair value. The current 3-1 Month Momentum % is 8.62% and 225.3% above the Banks industry median of 2.65. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current 3-1 Month Momentum % is 8.62% as of Aug. 03, 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 overvalued.
The current stock price of $43.70 is trading 1.2% above its estimated GF Value™ of $43.18.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
3-1 Month Momentum %: 8.62%
GF Value™: $43.18 vs. price of $43.70 (1.2% above fair value)
Industry Position: 225.3% above the Banks median (#436 of 1578)
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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