Profitability
Weight: 25%
C-
45
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.8%
- Operating Margin Trend -8.41 pp/yr
LOB
Live Oak Bancshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
60
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 9.6%
- 5yr Share-Count CAGR 0.7%
Growth Quality
Weight: 10%
B-
65
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 18.2%
- 5yr EPS CAGR -12.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 3.37x
Balance Sheet
Weight: 30%
C-
48
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 8.3%
- Interest Coverage (EBIT/Int) 0.35x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.67
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1
- Avg Δ position
- -22.3%
- New buys
- 0
- Full exits
- 1