Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/b71504da-de69-45f7-bce4-c54f2202769b/
LOB
Live Oak Bancshares, Inc.Snapshot 2026-07-26 · 0.4w · Fresh
Strategy Eligibility
9 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.788
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 14.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
18.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +11%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 22%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 90%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
90.0%ile
P/E
14.2×
P/S
1.8×
P/B
1.5×
E/P
0.1661
FCF Yield
0.142
EBITDA/EV
0.180
SH Yield
-0.047
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
19.00000000
/100 — 1=cheapest
VC2 (Trending Value)
30.00000000
/100
VC3 (Buyback)
31.00000000
/100
FCF yield of 14.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
69.0%ile
ROE
0.105
ROA
0.009
Net Margin
0.127
Op Margin
0.188
GPA
0.034
D/E
11.21
Current
0.07
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.112
Earn Growth
1.452
Stability
0.526
lower=better
Accruals
-0.001
lower=better
5yr Consist
No
Highly leveraged with D/E of 11.21 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
72.0%ile
6M Return
7.1%
12M Return
24.4%
12-1 Mom
22.4%
Risk-Adj
0.69
Vol 252d
32.4%
Vol 60d
66.0%
↑ Expanding
Max DD 12M
-22.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 22% is very strong — a clear uptrend. Near-term vol (66%) is expanding vs long-term (32%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
78.2%
Sector Quality %ile
45.7%
P/E z-score
-0.12
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Trending Value Signal
Cheap (90th value) with strong momentum (72th). The market is starting to recognise the value.
Volatility Expanding
60-day vol (66%) significantly exceeds 252-day (32%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
78.1% avg (7 factors)
Quality
F
28.6% avg (8 factors)
Momentum
C
53.1% avg (4 factors)
Risk
B
62.6% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.930 | —8 | — | |
| Value %ile | 0.900 | —8 | — | |
| Quality %ile | 0.690 | —0 | — | |
| Momentum %ile | 0.720 | —2 | — | |
| F-Score | 7.000 | —8 | — | |
| Confidence | 1.000 | —8 | — | |
| Volatility | 0.324 | —0 | — |
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.16
Earnings Yield (E/P)
0.1661
Price / Sales
1.80
Price / Book
1.48
Price / Cash Flow
12.30
FCF Yield
14.2%
EBITDA / EV
18.0%
Sales Yield (1/P·S)
0.8860
Shareholder Yield
Div + net buyback / mktcap
-4.7%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.5%
Return on Assets
0.9%
Net Margin
12.7%
Operating Margin
18.8%
Gross Profit / Assets
Novy-Marx GPA
3.4%
Debt / Equity
11.21
Current Ratio
0.07
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
MomentumPrice trend strength over different horizons
6M Return
7.1%
12M Return
24.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
22.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.69
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
11.2%
Earnings Growth (YoY)
145.2%
Earnings Stability (CV)
Lower = more stable
0.526
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Dividend Yield
0.3%
Buyback Yield
-4.9%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
19
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
30
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
31
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity