LOB (Live Oak Bancshares) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $41.05
GF Value $42.72
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares ROC (Joel Greenblatt) %?

Live Oak Bancshares LOB -1.77% 70 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $42.72 (Fairly Valued). The stock has 5 warning signs investors should review. Among 46 Banks companies, Live Oak Bancshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

LOB
70GF Score
Live Oak Bancshares Inc LOB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Live Oak Bancshares (LOB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #999999 out of 46 companies in the Banks industry.
Is Live Oak Bancshares' ROC (Joel Greenblatt) % too high?
Live Oak Bancshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Live Oak Bancshares ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' ROC (Joel Greenblatt) % compare to CHCO and SRCE?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Live Oak Bancshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 69.14. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 69.14, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 69.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current ROC (Joel Greenblatt) % is %. 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 $42.72, compared to a current price of $41.05 — trading 3.9% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current ROC (Joel Greenblatt) % is % 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 $41.05 is trading 3.9% below its estimated GF Value™ of $42.72. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $42.72 vs. price of $41.05 (3.9% 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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.05
Price
$42.72
GF Value