LOB
Live Oak Bancshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: LOB
- PE Ratio
As at Jun 3, 2026, the LOB stock has a PE ratio of 13.64. This is based on the current EPS of $2.64 and the stock price of $36.01 per share. A decrease of 28% has been seen in the P/E ratio compared to the average of 18.9 of the last 4 quarters.
LOB PE ratio history
The mean historical PE ratio of Live Oak Bancshares over the last ten years is 24.05. The current 13.64 PE ratio is 43% below the historical average. Over the past ten years, LOB's PE ratio was at its highest in the Jun 2020 quarter at 85.35, with a price of $14.51 and an EPS of $0.17. The Sep 2022 quarter recorded the bottom point at 6.55, with a price of $30.6 and an EPS of $4.67.
Live Oak Bancshares PE ratio by year
Maximum annual increase: 265.08% in 2019
Maximum annual decrease: -81.25% in 2017
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 15.27 | -33.58% | $34.35 | $2.25 |
| 2024 | 22.99 | -15.63% | $39.55 | $1.72 |
| 2023 | 27.25 | 262.85% | $45.5 | $1.67 |
| 2022 | 7.51 | -66.71% | $30.2 | $4.02 |
| 2021 | 22.56 | -30.61% | $87.29 | $3.87 |
| 2020 | 32.51 | -23.04% | $47.46 | $1.46 |
| 2019 | 42.24 | 265.08% | $19.01 | $0.45 |
| 2018 | 11.57 | 33.45% | $14.81 | $1.28 |
| 2017 | 8.67 | -81.25% | $23.85 | $2.75 |
| 2016 | 46.25 | 114.92% | $18.5 | $0.4 |
| 2015 | 21.52 | N/A | $14.2 | $0.66 |
| 2014 | N/A | N/A | N/A | $0.42 |
| 2013 | N/A | N/A | N/A | $1.38 |
| 2012 | N/A | N/A | N/A | $0.83 |
Live Oak Bancshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.53 | -17.94% | $33.07 | $2.64 |
| Dec 2025 | 15.27 | -34.97% | $34.35 | $2.25 |
| Sep 2025 | 23.48 | -3.89% | $35.22 | $1.5 |
| Jun 2025 | 24.43 | 20.05% | $29.8 | $1.22 |
| Mar 2025 | 20.35 | -11.48% | $26.66 | $1.31 |
| Dec 2024 | 22.99 | -9.24% | $39.55 | $1.72 |
| Sep 2024 | 25.33 | 79.14% | $47.37 | $1.87 |
| Jun 2024 | 14.14 | -22.35% | $35.06 | $2.48 |
| Mar 2024 | 18.21 | -33.17% | $41.51 | $2.28 |
| Dec 2023 | 27.25 | 26.16% | $45.5 | $1.67 |
| Sep 2023 | 21.6 | 16.57% | $28.95 | $1.34 |
| Jun 2023 | 18.53 | 146.41% | $26.31 | $1.42 |
| Mar 2023 | 7.52 | 0.13% | $24.37 | $3.24 |
| Dec 2022 | 7.51 | 14.66% | $30.2 | $4.02 |
| Sep 2022 | 6.55 | -13.36% | $30.6 | $4.67 |
LOB Price vs fair value
LOB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, LOB's PE ratio is below the 3, 5 and 10-year averages.
PE comparison
Live Oak Bancshares's P/E of 13.64 is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.1, Live Oak Bancshares's P/E is 13% higher.
LOB PE vs peers
Compared to its peer stocks NRIM and NKSH, LOB's PE ratio stands higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NRIM Northrim Bancorp Inc | 8.44 | $551.89M |
| NKSH National Bankshares Inc | 12.64 | $222.26M |
| LOB Live Oak Bancshares Inc | 14.23 | $1.74B |
Frequently asked questions
What is Live Oak Bancshares's PE ratio?
LOB's price to earnings ratio is 13.64 as of Jun 3, 2026.
What is the 3-year average PE ratio for Live Oak Bancshares (LOB)?
As an average over the last 3 years, LOB stock has a PE ratio of 20.34.
What is the 5-year average PE ratio for Live Oak Bancshares (LOB)?
As an average over the last 5 years, LOB stock has a PE ratio of 17.03.
What is the highest PE ratio for LOB?
In the last ten years, the Jun 2020 quarter recorded the highest quarterly PE ratio at 85.35.
How does the current PE ratio for LOB compare to its historical average?
LOB's current price to earnings ratio is 43% below its 10-year historical average.
How is LOB's PE ratio calculated (Live Oak Bancshares PE ratio formula)?
You can calculate the PE ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 3, 2026), Live Oak Bancshares's stock price is $36.01. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.64. Therefore, Live Oak Bancshares's P/E ratio for today is 13.64. PE RATIO(13.64) = STOCK PRICE($36.01) / TTM EPS($2.64)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.