SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Live Oak Bancshares, Inc. (LOB) trades at a trailing P/E of 15.6, forward P/E of 12.2. Trailing earnings yield is 6.41%, forward earnings yield 8.22%. PEG 0.50 (Peter Lynch undervalued ≤1.0). Graham Number is $37.28.
Criteria proven by this page:
- VALUE (81/100, Pass) — P/E is below market average (15.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.50); earnings yield beats bond yields (6.41%).
- Forward P/E 12.2 (down from trailing 15.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.50 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.41% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.22% as earnings recover.
- Analyst consensus target $35.00 (-4.4% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 66/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
81/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — LOB
Valuation Multiples
P/E (TTM)15.6
Forward P/E12.2
PEG Ratio0.50
Forward PEG0.34
P/B Ratio1.30
P/S Ratio1.57
EV/EBITDA4.7
Per Share Data
EPS (TTM)$2.26
Forward EPS (Est.)$3.01
Book Value / Share$27.32
Revenue / Share$22.68
FCF / Share$1.53
Yields & Fair Value
Earnings Yield6.41%
Forward Earnings Yield8.22%
Dividend Yield0.34%
Graham Number$37.28
SharesGrow IV$52.14 (+42.4%)
Analyst Target$35.00 (-4.4%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
45.9 |
-1.17 |
2.84 |
4.37 |
0.43% |
| 2017 |
8.7 |
0.01 |
2.00 |
4.29 |
0.43% |
| 2018 |
11.5 |
-0.22 |
1.20 |
2.34 |
0.81% |
| 2019 |
42.4 |
-0.65 |
1.44 |
2.64 |
0.63% |
| 2020 |
32.4 |
0.14 |
3.40 |
5.10 |
0.25% |
| 2021 |
22.6 |
0.14 |
5.27 |
7.44 |
0.14% |
| 2022 |
7.5 |
1.94 |
1.63 |
2.60 |
0.40% |
| 2023 |
27.3 |
-0.47 |
2.24 |
2.60 |
0.26% |
| 2024 |
23.0 |
7.67 |
1.78 |
1.92 |
0.30% |
| 2025 |
15.2 |
0.50 |
1.26 |
1.51 |
0.54% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.39 |
$144.79M |
$13.77M |
9.5% |
| 2017 |
$2.65 |
$203.25M |
$100.5M |
49.4% |
| 2018 |
$1.24 |
$253.33M |
$51.45M |
20.3% |
| 2019 |
$0.44 |
$289.51M |
$18.03M |
6.2% |
| 2020 |
$1.43 |
$378.31M |
$59.54M |
15.7% |
| 2021 |
$3.71 |
$506.41M |
$167M |
33% |
| 2022 |
$3.92 |
$508.83M |
$176.21M |
34.6% |
| 2023 |
$1.64 |
$776.55M |
$73.9M |
9.5% |
| 2024 |
$1.69 |
$929.29M |
$77.47M |
8.3% |
| 2025 |
$2.22 |
$1.04B |
$103.78M |
10% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.99 |
$2.88 – $3.09 |
$640.3M |
$632.14M – $648.45M |
4 |
| 2027 |
$4.13 |
$3.92 – $4.31 |
$743.43M |
$732.27M – $754.58M |
4 |
