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Live Oak BancsharesLOB -0.59%70 ROA % is 0.79% as of Mar. 2026, which is 18% below its 10-year median of 0.96. 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 1,528 Banks companies, Live Oak Bancshares ranks worse than 55.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Live Oak Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $120.2 Mil.
Live Oak Bancshares's average Total Assets over the quarter that ended in Mar. 2026 was $15,217.4 Mil. Therefore, Live Oak Bancshares's annualized ROA % for the quarter that ended in Mar. 2026 was 0.79%.
The historical rank and industry rank for Live Oak Bancshares's ROA % or its related term are showing as below:
LOB'
s ROA % Range Over the Past 10 Years
Min: 0.43 Med: 0.96 Max: 4.45
Current: 0.93
During the past 13 years, Live Oak Bancshares's highest ROA % was 4.45%. The lowest was 0.43%. And the median was 0.96%.
LOB's ROA % is ranked worse than 55.1% of 1528
companies
in the Banks industry
Industry Median: 1
vs LOB: 0.93
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Live Oak Bancshares ROA % Related Terms
Live Oak Bancshares ROA % Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's ROA % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Live Oak Bancshares (LOB) has a ROA % of 0.79% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Live Oak Bancshares and its competitors. This is 18% below median its historical median of 0.96. Over the past decade, Live Oak Bancshares' ROA % has ranged from 0.43 to 4.45. According to the industry distribution chart, Live Oak Bancshares ranks #842 out of 1528 companies in the Banks industry, placing it in the top 55.1%.
Is Live Oak Bancshares' ROA % too high?
Live Oak Bancshares' current ROA % of 0.79% is 18% below median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 4.45. The Banks industry median ROA % is 1.00. Live Oak Bancshares' value of 0.79% is 21% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #842 out of 1528 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' ROA % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #842 out of 1528 companies for ROA %. This places Live Oak Bancshares in the lower half of its industry. The industry median ROA % is 1.00. Live Oak Bancshares' value of 0.79% is 21% below this benchmark. Historically, Live Oak Bancshares' own ROA % has ranged from 0.43 to 4.45 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current ROA % of 0.79% is 21% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current ROA % is 0.79%, which is 18% below median its own 10-year median of 0.96. 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 ROA % is 0.79%, which is 18% below median its 10-year median of 0.96 and 21% below the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current ROA % is 0.79% 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 $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:
ROA %: 0.79% (18% below median its 10-year median of 0.96)
GF Value™: $43.14 vs. price of $42.46 (1.6% below fair value)
Industry Position: 21% below the Banks median (#842 of 1528)
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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