# Live Oak Bancshares Inc. (LOB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $39.61, market value $1.8 billion.

## Valuation
- **P/E (trailing): 13.8×** (5-yr avg 19.4×, 3-yr avg 22.1×). Live Oak Bancshares Inc. trades at 13.8× trailing earnings, well below its own five-year average of 19.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.29**. A PEG of 0.29 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 13.3%** (5-yr avg -1.4%). Free cash flow equals 13.3% of the market value, above its five-year average of -1.4%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 7.2%**. The inverse of the P/E: 7.2% of the price is earned each year.

## Profitability
- **Return on equity: 8.5%**. 8.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 32.0%** (3-yr -17.1%/yr, 5-yr 9.3%/yr). Earnings per share rose 32.0%.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.30%** ($0.12 per share, trailing). Live Oak Bancshares Inc. yields 0.30%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 5%** (2% of free cash flow). 5% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Live Oak Bancshares Inc.; the consensus is buy, with an average price target of $46.25 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 2.7%** (YTD 15.5%, 3-mo 5.9%). The shares are up 2.7% over twelve months including dividends.
- **From 52-week high: -11.0%** (34.9% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 39**. An RSI of 39 is neutral.
- **Beta (1 yr): 0.97** (volatility 33%). Beta of 0.97 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LOB · Page: https://foliofundamentals.com/stocks/lob

Not investment advice.