Live Oak Bancshares, Inc.

NYSE:LOB Stock Report

Mkt Cap: US$1.1b

We’ve recently updated our valuation analysis.

Live Oak Bancshares Valuation

Is LOB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LOB?

Other financial metrics that can be useful for relative valuation.

LOB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-0.3x

Price to Earnings Ratio vs Peers

How does LOB's PE Ratio compare to its peers?

The above table shows the PE ratio for LOB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.4x
DCOM Dime Community Bancshares
6.3x2.9%US$901.6m
OFG OFG Bancorp
7.4x-0.2%US$1.2b
TFIN Triumph Financial
12.9x-20.0%US$1.3b
SASR Sandy Spring Bancorp
7.2x2.2%US$1.2b
LOB Live Oak Bancshares
6.4x-22.0%US$1.1b

Price to Earnings Ratio vs Industry

How does LOB's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a5.6%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a5.6%
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Price to Earnings Ratio vs Fair Ratio

What is LOB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LOB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.4x
Fair PE Ratio5.7x

Price-To-Earnings vs Fair Ratio: LOB is expensive based on its Price-To-Earnings Ratio (6.4x) compared to the estimated Fair Price-To-Earnings Ratio (5.7x).

Share Price vs Fair Value

What is the Fair Price of LOB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst LOB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$25.57
US$33.00
+29.1%
7.7%US$37.00US$30.00n/a4
Mar ’24US$34.00
US$33.00
-2.9%
7.7%US$37.00US$30.00n/a4
Feb ’24US$34.71
US$33.00
-4.9%
7.7%US$37.00US$30.00n/a4
Jan ’24US$30.20
US$34.00
+12.6%
8.6%US$38.00US$30.00n/a4
Dec ’23US$34.05
US$35.50
+4.3%
7.6%US$40.00US$33.00n/a4
Nov ’23US$31.91
US$35.50
+11.3%
7.6%US$40.00US$33.00n/a4
Oct ’23US$30.60
US$39.50
+29.1%
9.7%US$45.00US$35.00n/a4
Sep ’23US$34.19
US$43.25
+26.5%
16.1%US$55.00US$37.00n/a4
Aug ’23US$37.56
US$40.75
+8.5%
7.0%US$45.00US$37.00n/a4
Jul ’23US$34.31
US$46.00
+34.1%
12.0%US$55.00US$40.00n/a5
Jun ’23US$39.83
US$52.80
+32.6%
8.5%US$58.00US$45.00n/a5
May ’23US$42.33
US$54.80
+29.5%
4.1%US$58.00US$51.00n/a5
Apr ’23US$51.98
US$70.60
+35.8%
8.4%US$80.00US$65.00n/a5
Mar ’23US$60.38
US$75.40
+24.9%
9.1%US$85.00US$65.00US$34.005
Feb ’23US$58.76
US$73.40
+24.9%
6.7%US$80.00US$65.00US$34.715
Jan ’23US$87.29
US$96.60
+10.7%
13.1%US$115.00US$80.00US$30.205
Dec ’22US$85.52
US$93.80
+9.7%
14.3%US$115.00US$79.00US$34.055
Nov ’22US$91.26
US$88.80
-2.7%
9.3%US$100.00US$79.00US$31.915
Oct ’22US$66.69
US$72.40
+8.6%
7.8%US$80.00US$65.00US$30.605
Sep ’22US$61.03
US$74.00
+21.3%
8.0%US$80.00US$65.00US$34.195
Aug ’22US$60.19
US$74.00
+22.9%
8.0%US$80.00US$65.00US$37.565
Jul ’22US$60.12
US$72.60
+20.8%
6.2%US$80.00US$67.00US$34.315
Jun ’22US$61.58
US$74.20
+20.5%
6.3%US$80.00US$67.00US$39.835
May ’22US$63.96
US$74.20
+16.0%
6.3%US$80.00US$67.00US$42.335
Apr ’22US$68.24
US$60.25
-11.7%
12.9%US$70.00US$50.00US$51.984
Mar ’22US$58.24
US$52.75
-9.4%
10.8%US$60.00US$45.00US$60.384

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