Live Oak Bancshares, Inc. (LOB)
State Commercial Banks · Financial Services · $1.8B
Intrinsic Value (Consensus)
$34.39
Current Price
$38.64
Margin of Safety
-11%
11% Above Intrinsic Value
Value: $34
Price: $39
Valuation Model Estimates
Current Price: $38.64
DCF (Discounted Cash Flow)
$146.14
Graham Number
$36.91
Earnings Power Value
$21.65
Relative Value (P/E)
$44.60
Dividend Discount Model
Not applicable
—
Consensus Value
$34.39
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
15/25
Strength
24/25
Valuation
12/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.23
- EPS (Forward)
- $2.68
- Book Value
- $27.15
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.5%
- Debt/Equity
- 0%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance