Profitability
Weight: 25%
B
72
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 58.9%
- Efficiency Ratio Trend -0.91 pp/yr
LOB
Live Oak Bancshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
61
- 5yr Avg ROE 13.9%
- 5yr Share-Count CAGR 2.1%
Growth Quality
Weight: 15%
A+
94
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 22.4%
- Efficiency Ratio Trend (growth quality check) -0.91 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.15
Balance Sheet
Weight: 20%
B-
67
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 8.3%
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.67
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -17.1%
- New buys
- 0
- Full exits
- 0