LOB (Live Oak Bancshares) Total Debt per Share: $2.16 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $42.17
GF Value $43.10
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is Live Oak Bancshares Total Debt per Share?

Live Oak Bancshares LOB -1.75% 70 Total Debt per Share is $2.16 as of Mar. 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.10 (Fairly Valued). The stock has 6 warning signs investors should review.

$2.16 (As of Mar. 2026)

Total Debt per Share is calculated as total debt divided by Shares Outstanding (EOP). Total debt is calculated as Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Live Oak Bancshares's Total Debt Per Share for the quarter that ended in Mar. 2026 was $2.16.

Live Oak Bancshares Total Debt per Share Historical Data

* Premium members only.

The historical data trend for Live Oak Bancshares's Total Debt per Share 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.

Live Oak Bancshares Total Debt per Share Chart

Live Oak Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Debt per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.26 1.89 0.52 2.49 2.23

Live Oak Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Debt per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.36 2.29 2.23 2.16 2.16
LOB
70GF Score
Live Oak Bancshares Inc LOB
Total Debt per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Live Oak Bancshares Total Debt per Share Calculation

Live Oak Bancshares's Total Debt Per Share for the fiscal year that ended in Dec. 2025 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(102.4+0.0)/46.0
=2.22

Live Oak Bancshares's Total Debt Per Share for the quarter that ended in Mar. 2026 is calculated as:

Total Debt Per Share=(Long-Term Debt & Capital Lease Obligation+Short-Term Debt & Capital Lease Obligation)/Shares Outstanding (EOP)
=(99.7+0.0)/46.2
=2.16

* 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.

Frequently Asked Questions Learn more about Total Debt per Share →
What does a Total Debt per Share of $2.16 mean?
Live Oak Bancshares (LOB) has a Total Debt per Share of $2.16 as of Mar. 2026. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' Total Debt per Share too high?
Live Oak Bancshares' current Total Debt per Share is $2.16. 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' Total Debt per Share compare to NBHC and CHCO?
Live Oak Bancshares' Total Debt per Share of $2.16 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 Total Debt per Share for a Banks company?
A good Total Debt per Share depends on the Banks industry context. However, Total Debt per Share 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 Total Debt per Share mean?
A high Total Debt per Share can signal that a stock is expensive relative to its fundamentals. Total debt per share equals the per-share value of a company's long-term and short-term debt. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current Total Debt per Share is $2.16. 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 $43.10, compared to a current price of $42.17 — trading 2.2% below its estimated fair value. The current Total Debt per Share is $2.16. 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 Total Debt per Share calculated?
Total Debt per Share is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Total Debt per Share is $2.16 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 $42.17 is trading 2.2% below its estimated GF Value™ of $43.10. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • Total Debt per Share: $2.16
  • GF Value™: $43.10 vs. price of $42.17 (2.2% below fair value)
  • GF Score™: 70/100 with 6 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

Get the complete analysis for LOB

Total Debt per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.17
Price
$43.10
GF Value