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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Live Oak Bancshares's current 3-Year Share Buyback Ratio was -1.50%.
The historical rank and industry rank for Live Oak Bancshares's 3-Year Share Buyback Ratio or its related term are showing as below:
LOB'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -6.9 Med: -1.9 Max: 0
Current: -1.5
During the past 13 years, Live Oak Bancshares's highest 3-Year Share Buyback Ratio was 0.00%. The lowest was -6.90%. And the median was -1.90%.
LOB's 3-Year Share Buyback Ratio is ranked worse than 67.27% of 1042
companies
in the Banks industry
Industry Median: -0.2
vs LOB: -1.50
Live Oak Bancshares (NYSE:LOB) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
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-Year Share Buyback Ratio Related Terms
LOB vs NBHC, CHCO, STBA: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year 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-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's 3-Year Share Buyback Ratio falls into.
Live Oak Bancshares 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -1.50 mean?
Live Oak Bancshares (LOB) has a 3-Year Share Buyback Ratio of -1.50 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Live Oak Bancshares and its competitors. According to the industry distribution chart, Live Oak Bancshares ranks #701 out of 1042 companies in the Banks industry, placing it in the top 67.3%.
Is Live Oak Bancshares' 3-Year Share Buyback Ratio too high?
Live Oak Bancshares' current 3-Year Share Buyback Ratio is -1.50. Based on the distribution chart, Live Oak Bancshares ranks #701 out of 1042 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' 3-Year Share Buyback Ratio compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #701 out of 1042 companies for 3-Year Share Buyback Ratio. This places Live Oak Bancshares in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year 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-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Live Oak Bancshares and its competitors. Live Oak Bancshares's current 3-Year Share Buyback Ratio is -1.50. 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 $43.16, compared to a current price of $43.27 — trading 0.3% above its estimated fair value. The current 3-Year Share Buyback Ratio is -1.50. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current 3-Year Share Buyback Ratio is -1.50 as of Jun. 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 overvalued.
The current stock price of $43.27 is trading 0.3% above its estimated GF Value™ of $43.16.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
3-Year Share Buyback Ratio: -1.50
GF Value™: $43.16 vs. price of $43.27 (0.3% above 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
Get the complete analysis for LOB
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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