Is LOB or MBBC more undervalued in 2026?

CirclFi compares Live Oak Bancshares, Inc. (LOB) and Marathon Bancorp, Inc. (MBBC) using 13 institutional-grade valuation models. LOB has a Quality of Company score of 9.4/10 while MBBC scores 8.6/10.

Which is a better buy — LOB or MBBC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do LOB and MBBC valuations compare?

LOB at $37.62 and MBBC at $13.60 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LOB vs MBBC Valuation Comparison 2026 — Intrinsic Value Analysis

LOB

Banks - Regional

Live Oak Bancshares, Inc.

Quality

9.4

out of 10

Value Trap

SAFE

Price

$37.62

Last close

Models

11/13

Active

MBBC

Banks - Regional

Marathon Bancorp, Inc.

Quality

8.6

out of 10

Value Trap

LOW

Price

$13.60

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	LOB Fair Value	LOB Upside	MBBC Fair Value	MBBC Upside
Bayesian DCF	Intrinsic	$36.46	-3.1%	$6.40	-53.0%
Earnings Power Value	Intrinsic	$42.79	+13.7%	$10.47	-23.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LOB vs MBBC — Which Stock Is More Undervalued?

LOB scores higher with a 9.4/10 quality rating vs MBBC's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Live Oak Bancshares, Inc. (LOB) and Marathon Bancorp, Inc. (MBBC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

LOB currently trades at $37.62 with a QOC of 9.4/10, while MBBC trades at $13.60 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).