US · LOB
Live Oak Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Wilmington, NC 28403
- Website
- liveoakbank.com
Price · as of 2024-12-31
$37.17
Market cap 1.66B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $41.65 | +12.05% |
| Intrinsic Value(DCF) | $81.78 | +120.02% |
| Graham-Dodd Method(GD) | $29.00 | -21.98% |
| Graham Formula(GF) | $46.27 | +24.47% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | $0.00 | $26.39 | |||
| 2013 | $0.12 | $19.04 | |||
| 2014 | $0.00 | $14.27 | |||
| 2015 | $12.68 | $24.76 | $256.01 | $8.42 | $30.28 |
| 2016 | $21.09 | $39.77 | $131.13 | $6.78 | $14.14 |
| 2017 | $26.43 | $45.98 | $355.11 | $23.93 | $128.46 |
| 2018 | $15.19 | $83.67 | $72.36 | $16.14 | $40.66 |
| 2019 | $13.33 | $2,467.22 | $28.82 | $13.68 | $9.73 |
| 2020 | $60.20 | $56.01 | $38.32 | $19.47 | $54.75 |
| 2021 | $56.30 | $82.48 | $188.51 | $34.10 | $156.51 |
| 2022 | $28.27 | $67.67 | $35.69 | $36.78 | $34.20 |
| 2023 | $40.14 | $52.55 | $458.18 | $26.88 | $97.37 |
| 2024 | $28.88 | $41.65 | $273.54 | $29.00 | $46.27 |
AI valuation
Our deep-learning model estimates Live Oak Bancshares, Inc.'s (LOB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $41.65
- Current price
- $37.17
- AI upside
- +12.05%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$81.78
+120.02% upside
Graham-Dodd
$29.00
-21.98% upside
Graham Formula
$46.27
+24.47% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| LOB | Live Oak Bancshares, Inc. | $37.17 | 1.66B | +12% | +120% | -22% | +24% | 16.79 | 1.30 | 1.40 | 6.92 | 550.72 | 1.30 | 42.68% | 9.60% | 8.34% | 8.14% | -50.69% | 0.64% | 0.11 | 0.20 | 0.05 | 0.05 | -4.41 | 305.00% | 1967.00% | -1502.00% | 37.48% | 0.05 | -318.95% | 0.42% | 7.00% | 0.42% | 8.72 | 1.60 | 0.84 | -0.79 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| GABC | German American Bancorp, … | $41.34 | 1.55B | -1% | +321% | -56% | +347% | 13.69 | 1.33 | 3.16 | 11.47 | 168.50 | 2.05 | 70.17% | 28.74% | 23.11% | 12.00% | 21.95% | 1.53% | 0.16 | 1.11 | 0.06 | 0.06 | 0.79 | 813.00% | 5454.00% | -9777.00% | 0.13% | 0.00 | 0.39% | 2.81% | 38.40% | 4.69% | 11.47 | 793.24 | 3.30 | 0.08 |
| HOPE | Hope Bancorp, Inc. | $11.26 | 1.44B | +44% | +1% | -32% | -80% | 23.88 | 0.64 | 1.52 | -9.16 | — | 0.84 | 48.60% | 8.34% | 6.05% | 2.79% | 6.08% | 0.35% | 0.17 | 0.17 | 0.72 | 0.70 | -1.96 | -4390.00% | -323.00% | 4167.00% | 10.30% | 0.04 | 14.32% | 4.81% | 114.80% | 11.52% | -9.49 | -5.06 | -0.79 | 0.14 |
| LKFN | Lakeland Financial Corpor… | $58.09 | 1.48B | +23% | -29% | -14% | -57% | 14.54 | 1.97 | 3.56 | 11.86 | 138.94 | 1.98 | 60.99% | 29.78% | 24.51% | 14.29% | 23.02% | 1.51% | 0.24 | 0.82 | 0.03 | 0.03 | 0.97 | 1047.00% | -193.00% | -4163.00% | 3.64% | 0.01 | 12.20% | 0.00% | 0.00% | 0.00% | 12.31 | 28.22 | 3.67 | -0.61 |
| MBIN | Merchants Bancorp | $42.28 | 1.94B | +86% | -48% | +28% | -69% | 9.09 | 0.87 | 1.46 | 18.77 | — | 0.88 | 41.29% | 19.32% | 16.02% | 9.67% | 3.89% | 1.14% | 1.68 | 0.39 | 1.61 | 1.61 | 14.51 | -4000.00% | -565.00% | -6003.00% | -17.16% | -0.05 | -6.06% | 2.99% | 27.20% | 4.63% | 18.77 | -14.51 | 3.63 | 0.57 |
| NBHC | National Bank Holdings Co… | $39.99 | 1.51B | -21% | -17% | -39% | -54% | 14.17 | 1.12 | 2.66 | 4.13 | — | 1.51 | 69.18% | 24.44% | 18.76% | 8.15% | 18.22% | 1.11% | 0.05 | 0.83 | 0.27 | 0.27 | -2.10 | -747.00% | -175.00% | 979.00% | 8.53% | 0.05 | 20.63% | 2.97% | 42.00% | 25.88% | 4.76 | 5.13 | 1.16 | -0.01 |
| SRCE | 1st Source Corporation | $67.01 | 1.64B | -46% | +37% | -14% | +27% | 10.45 | 1.30 | 2.76 | 1.88 | 50.93 | 1.39 | 70.32% | 34.18% | 26.38% | 13.27% | 72.43% | 1.76% | 0.27 | 1.23 | 12.62 | 12.62 | 1.27 | 2052.00% | 520.00% | 1771.00% | 12.91% | 1.77 | 97.42% | 2.32% | 24.30% | 3.16% | 1.97 | 1.89 | 0.67 | 0.62 |
| STBA | S&T Bancorp, Inc. | $41.81 | 1.6B | -9% | -13% | -40% | -28% | 12.34 | 1.13 | 2.91 | 11.44 | 466.07 | 1.52 | 69.43% | 29.54% | 23.61% | 9.44% | 12.62% | 1.37% | 0.18 | 1.01 | 0.03 | 0.00 | 1.58 | 265.00% | 63.00% | -2437.00% | 7.78% | 0.03 | 12.11% | 3.19% | 39.40% | 5.38% | 11.44 | 14.91 | 3.38 | -0.39 |
| STEL | Stellar Bancorp, Inc. | $37.66 | 1.93B | +27% | -9% | -14% | -80% | 19.06 | 1.18 | 3.29 | -2.28 | — | 1.78 | 69.31% | 21.43% | 17.25% | 6.28% | -20.51% | 0.95% | 0.02 | 0.74 | 0.02 | 0.42 | -2.97 | -744.00% | -467.00% | -2419.00% | 4.95% | 0.02 | -19.34% | 0.00% | 0.00% | 0.00% | -2.28 | -3.01 | -0.49 | -0.30 |
| TCBK | TriCo Bancshares | $47.78 | 1.55B | +36% | -16% | +5% | -23% | 12.91 | 1.18 | 2.94 | -1.18 | 186.62 | 1.54 | 75.85% | 31.73% | 22.79% | 9.54% | 29.90% | 1.25% | 0.08 | 1.41 | 0.44 | 0.44 | -0.27 | 692.00% | 178.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.70% | -1.27 | — | -0.40 | 0.03 |
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
- CEO
- James S. Mahan
- Employees
- 1.01K
- Beta
- 1.96
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($81.78 ÷ $37.17) − 1 = +120.02% (DCF, example).