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


LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $40.26
GF Value $42.59
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares ROC %?

Live Oak Bancshares LOB -0.11% 70 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

LOB
70GF Score
Live Oak Bancshares Inc LOB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Live Oak Bancshares (LOB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' ROC % too high?
Live Oak Bancshares' current ROC % is %. 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 % compare to CHCO and SRCE?
Live Oak Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current ROC % 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 $42.59, compared to a current price of $40.26 — trading 5.5% below its estimated fair value. The current ROC % 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 % calculated?
ROC % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current ROC % 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 $40.26 is trading 5.5% below its estimated GF Value™ of $42.59. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • ROC %: %
  • GF Value™: $42.59 vs. price of $40.26 (5.5% 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 % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.26
Price
$42.59
GF Value