LOB (Live Oak Bancshares) Risk Assessment


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $41.65
GF Value $42.80
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Live Oak Bancshares is: High Risk: High uncertainty with risk-return tradeoff.

Live Oak Bancshares  (NYSE:LOB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Live Oak Bancshares Risk Assessment Related Terms

LOB vs CHCO, SRCE, CASH: Risk Assessment Comparison

For the Banks - Regional subindustry, Live Oak Bancshares's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, Live Oak Bancshares's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Live Oak Bancshares's Risk Assessment falls into.


LOB
70GF Score
Live Oak Bancshares Inc LOB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $41.65 is trading 2.7% below its estimated GF Value™ of $42.80. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • Risk Assessment:
  • GF Value™: $42.80 vs. price of $41.65 (2.7% below fair value)
  • GF Score™: 70/100 with 5 warning signs

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 Business Description

Address 1741 Tiburon Drive, Wilmington, NC, USA, 28403
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

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.65
Price
$42.80
GF Value