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Live Oak BancsharesLOB +0.80%70 PS Ratio is 3.50 as of Jul. 31, 2026, which is 14% below its 10-year median of 4.06. 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 1,516 Banks companies, Live Oak Bancshares ranks worse than 60.42% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Live Oak Bancshares's share price is $42.80.
Live Oak Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $12.22. Hence, Live Oak Bancshares's PS Ratio for today is 3.50.
The historical rank and industry rank for Live Oak Bancshares's PS Ratio or its related term are showing as below:
LOB'
s PS Ratio Range Over the Past 10 Years
Min: 1.86 Med: 4.06 Max: 10.43
Current: 3.51
During the past 13 years, Live Oak Bancshares's highest PS Ratio was 10.43. The lowest was 1.86. And the median was 4.06.
LOB's PS Ratio is ranked worse than 60.42% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs LOB: 3.51
Live Oak Bancshares Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Live Oak Bancshares was 14.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 9.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 8.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 14.20% per year.
During the past 13 years, Live Oak Bancshares's highest 3-Year average Revenue per Share Growth Rate was 26.90% per year. The lowest was 2.30% per year. And the median was 15.05% per year.
Live Oak Bancshares (NYSE:LOB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Live Oak Bancshares PS Ratio Related Terms
Live Oak Bancshares PS Ratio Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Live Oak Bancshares's Share Price of today is $42.80. Live Oak Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.22.
* 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:
Live Oak Bancshares (LOB) has a PS Ratio of 3.50 as of Jul. 31, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Live Oak Bancshares and its competitors. This is 14% below median its historical median of 4.06. Over the past decade, Live Oak Bancshares' PS Ratio has ranged from 1.86 to 10.43. According to the industry distribution chart, Live Oak Bancshares ranks #916 out of 1516 companies in the Banks industry, placing it in the top 60.4%.
Is Live Oak Bancshares' PS Ratio too high?
Live Oak Bancshares' current PS Ratio of 3.50 is 14% below median its 10-year median of 4.06. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 10.43. The Banks industry median PS Ratio is 3.06. Live Oak Bancshares' value of 3.50 is 14.4% above this industry median. Based on the distribution chart, Live Oak Bancshares ranks #916 out of 1516 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' PS Ratio compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #916 out of 1516 companies for PS Ratio. This places Live Oak Bancshares in the lower half of its industry. The industry median PS Ratio is 3.06. Live Oak Bancshares' value of 3.50 is 14.4% above this benchmark. Historically, Live Oak Bancshares' own PS Ratio has ranged from 1.86 to 10.43 over the past decade. While the company's 10-year median is 4.06 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current PS Ratio of 3.50 is 14.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current PS Ratio is 3.50, which is 14% below median its own 10-year median of 4.06. 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 PS Ratio is 3.50, which is 14% below median its 10-year median of 4.06 and 14.4% above the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current PS Ratio is 3.50 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 $42.80 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:
PS Ratio: 3.50 (14% below median its 10-year median of 4.06)
GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
Industry Position: 14.4% above the Banks median (#916 of 1516)
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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