Live Oak BancsharesLOB +0.35%70 Pretax Margin % is 28.55% as of Mar. 2026, which is 34% above its 10-year median of 21.31. 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 1,526 Banks companies, Live Oak Bancshares ranks worse than 61.86% on this metric.
The historical rank and industry rank for Live Oak Bancshares's Pretax Margin % or its related term are showing as below:
LOB'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.64 Med: 21.31 Max: 55.26
Current: 30.43
LOB's Pretax Margin % is ranked worse than 61.86% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs LOB: 30.43
Live Oak Bancshares (NYSE:LOB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Live Oak Bancshares Pretax Margin % Related Terms
Live Oak Bancshares Pretax Margin % Historical Data
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The historical data trend for Live Oak Bancshares's Pretax 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.
LOB vs CHCO, SRCE, CASH: Pretax Margin % Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Pretax 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 Pretax Margin % of 28.55% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Live Oak Bancshares and its competitors. This is 34% above median its historical median of 21.31. Over the past decade, Live Oak Bancshares' Pretax Margin % has ranged from 11.64 to 55.26. According to the industry distribution chart, Live Oak Bancshares ranks #944 out of 1526 companies in the Banks industry, placing it in the top 61.9%.
Is Live Oak Bancshares' Pretax Margin % too high?
Live Oak Bancshares' current Pretax Margin % of 28.55% is 34% above median its 10-year median of 21.31. Over the past 10 years, this metric has ranged from a low of 11.64 to a high of 55.26. The Banks industry median Pretax Margin % is 34.89. Live Oak Bancshares' value of 28.55% is 18.2% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #944 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' Pretax Margin % compare to CHCO and SRCE?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #944 out of 1526 companies for Pretax Margin %. This places Live Oak Bancshares in the lower half of its industry. The industry median Pretax Margin % is 34.89. Live Oak Bancshares' value of 28.55% is 18.2% below this benchmark. Historically, Live Oak Bancshares' own Pretax Margin % has ranged from 11.64 to 55.26 over the past decade. While the company's 10-year median is 21.31 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Pretax Margin % of 28.55% is 18.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Pretax Margin % is 28.55%, which is 34% above median its own 10-year median of 21.31. 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 $40.44 — trading 5% below its estimated fair value. The current Pretax Margin % is 28.55%, which is 34% above median its 10-year median of 21.31 and 18.2% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Pretax Margin % is 28.55% 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 $40.44 is trading 5% below its estimated GF Value™ of $42.59.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Pretax Margin %: 28.55% (34% above median its 10-year median of 21.31)
GF Value™: $42.59 vs. price of $40.44 (5% below fair value)
Industry Position: 18.2% below the Banks median (#944 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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