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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. A positive ratio may indicates share buybacks over the period, while a zero or negative ratio suggests no buybacks or potential share issuance. Live Oak Bancshares's current 3-Month Share Buyback Ratio was -0.45%.
Live Oak Bancshares (NYSE:LOB) 3-Month Share Buyback Ratio Explanation
A positive ratio may indicates share buybacks over the period, while a zero or negative ratio suggests no buybacks or potential share issuance.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Live Oak Bancshares 3-Month Share Buyback Ratio Related Terms
LOB vs NBHC, CHCO, STBA: 3-Month Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's 3-Month Share Buyback Ratio, along with its competitors' market caps and 3-Month Share Buyback 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 3-Month Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's 3-Month Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's 3-Month Share Buyback Ratio 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.
What does a 3-Month Share Buyback Ratio of -0.45 mean?
Live Oak Bancshares (LOB) has a 3-Month Share Buyback Ratio of -0.45 as of Mar. 2026. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' 3-Month Share Buyback Ratio too high?
Live Oak Bancshares' current 3-Month Share Buyback Ratio is -0.45. 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' 3-Month Share Buyback Ratio compare to NBHC and CHCO?
Live Oak Bancshares' 3-Month Share Buyback Ratio of -0.45 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Month Share Buyback Ratio for a Banks company?
A good 3-Month Share Buyback Ratio depends on the Banks industry context. However, 3-Month Share Buyback Ratio 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 3-Month Share Buyback Ratio mean?
A high 3-Month Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Month Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past three months, calculated as the percentage change in shares outstanding from the previous quarter to the current quarter. View historical data for Live Oak Bancshares and its competitors. Live Oak Bancshares's current 3-Month Share Buyback Ratio is -0.45. 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 $43.15, compared to a current price of $42.80 — trading 0.8% below its estimated fair value. The current 3-Month Share Buyback Ratio is -0.45. Live Oak Bancshares' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Month Share Buyback Ratio calculated?
3-Month Share Buyback Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current 3-Month Share Buyback Ratio is -0.45 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 $42.80 is trading 0.8% below its estimated GF Value™ of $43.15.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
3-Month Share Buyback Ratio: -0.45
GF Value™: $43.15 vs. price of $42.80 (0.8% below fair value)
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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3-Month Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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