As of 21 November 2025, the valuation grade for Live Oak Bancshares, Inc. moved from very expensive to expensive. The company appears to be overvalued based on its current metrics. The P/E ratio stands at 21, which is significantly higher than peers such as Renasant Corp. at 21.73 and WesBanco, Inc. at 17.59. Additionally, the EV to EBITDA ratio is 3.16, which, while lower than the industry average, still suggests a premium valuation relative to its peers. Live Oak Bancshares, Inc. has shown disappointing returns, with a year-to-date decline of 22.40%, compared to a positive return of 12.26% for the S&P 500, reinforcing the overvaluation narrative. The company's return on equity (ROE) is relatively low at 5.91%, further indicating potential issues in generating shareholder value compared to its peers. Overall, these factors suggest that Live Oak Bancshares, Inc. is not a compelling investment at its curren...

As of 14 November 2025, the valuation grade for Live Oak Bancshares, Inc. moved from expensive to very expensive. This indicates that the company is overvalued. The P/E ratio stands at 21, which is significantly higher than peers such as Renasant Corp. with a P/E of 21.73 and WesBanco, Inc. at 17.59. Additionally, the EV to EBITDA ratio of 3.16 and the Price to Book Value of 1.25 further emphasize the elevated valuation compared to its industry counterparts. Given the high valuation metrics and the peer comparison, Live Oak Bancshares appears to be overvalued in the current market context. Although specific return data is not available, the recent performance against the S&P 500 could reinforce this valuation narrative, suggesting that the stock may not be a favorable investment at its current price....

As of 14 November 2025, the valuation grade for Live Oak Bancshares, Inc. has moved from expensive to very expensive, indicating a significant deterioration in its valuation appeal. The company appears overvalued based on its current metrics, including a P/E ratio of 21, a Price to Book Value of 1.25, and an EV to EBITDA ratio of 3.16. In comparison, peers such as Renasant Corp. and WesBanco, Inc. have more attractive valuations with P/E ratios of 21.73 and 17.59, respectively. The recent performance of Live Oak Bancshares has been disappointing, with a year-to-date return of -21.21%, significantly underperforming the S&P 500's return of 14.49% over the same period. This underperformance, coupled with the high valuation ratios, reinforces the conclusion that the stock is overvalued in the current market environment....