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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Live Oak BancsharesLOB -0.59%70 PEG Ratio is 1.19 as of Jul. 31, 2026, which is 16% below its 10-year median of 1.41. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,231 Banks companies, Live Oak Bancshares ranks better than 60.19% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Live Oak Bancshares's PEG Ratio or its related term are showing as below:
LOB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.54 Med: 1.41 Max: 5.36
Current: 1.19
During the past 13 years, Live Oak Bancshares's highest PEG Ratio was 5.36. The lowest was 0.54. And the median was 1.41.
LOB's PEG Ratio is ranked better than 60.19% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs LOB: 1.19
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Live Oak Bancshares (NYSE:LOB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Live Oak Bancshares PEG Ratio Related Terms
Live Oak Bancshares PEG Ratio Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Live Oak Bancshares (LOB) has a PEG Ratio of 1.19 as of Jul. 31, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Live Oak Bancshares and its competitors. This is 16% below median its historical median of 1.41. Over the past decade, Live Oak Bancshares' PEG Ratio has ranged from 0.54 to 5.36. According to the industry distribution chart, Live Oak Bancshares ranks #490 out of 1231 companies in the Banks industry, placing it in the top 39.8%.
Is Live Oak Bancshares' PEG Ratio too high?
Live Oak Bancshares' current PEG Ratio of 1.19 is 16% below median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 5.36. The Banks industry median PEG Ratio is 1.56. Live Oak Bancshares' value of 1.19 is 23.7% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #490 out of 1231 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' PEG Ratio compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #490 out of 1231 companies for PEG Ratio. This puts Live Oak Bancshares in the upper half of its industry. The industry median PEG Ratio is 1.56. Live Oak Bancshares' value of 1.19 is 23.7% below this benchmark. Historically, Live Oak Bancshares' own PEG Ratio has ranged from 0.54 to 5.36 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current PEG Ratio of 1.19 is 23.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current PEG Ratio is 1.19, which is 16% below median its own 10-year median of 1.41. 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 $42.46 — trading 1.6% below its estimated fair value. The current PEG Ratio is 1.19, which is 16% below median its 10-year median of 1.41 and 23.7% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current PEG Ratio is 1.19 as of Jul. 31, 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 1.6% below its estimated GF Value™ of $43.14.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
PEG Ratio: 1.19 (16% below median its 10-year median of 1.41)
GF Value™: $43.14 vs. price of $42.46 (1.6% below fair value)
Industry Position: 23.7% below the Banks median (#490 of 1231)
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
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