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Live Oak Bancshares Inc. (LOB)
:LOB
LOB Stock Chart & Stats
Day’s Range― - ―
52-Week Range$22.68 - $50.57
Previous CloseN/A
Volume21.95K
Average Volume (3M)282.46K
Market Cap
$1.72B
Enterprise Value$813.99M
Total Cash (Recent Filing)$1.39B
Total Debt (Recent Filing)$107.66M
Price to Earnings (P/E)30.8
Beta1.27
Next Earnings
Oct 22, 2025EPS Estimate
0.57Last Dividend Ex-Date
Sep 02, 2025Dividend Yield0.32%
Share Statistics
EPS (TTM)0.51
Shares Outstanding45,731,300
10 Day Avg. Volume283,326
30 Day Avg. Volume282,457
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap0.47
Enterprise Value/Revenue0.84
Enterprise Value/Gross Profit2.05
Enterprise Value/Ebitda7.97
Forecast
1Y Price Target
$43.00Price Target Upside14.54% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
Bulls Say, Bears Say
Bulls Say
Analyst RecommendationAnalyst upgrades Live Oak Bancshares to Outperform as several positive catalysts are expected to drive shares higher over the remainder of 2025.
Financial PerformanceLive Oak Bancshares is expected to generate earnings per share (EPS) growth that ranks in the 95th percentile among peers.
ValuationLOB shares are trading at a significant discount to historical valuation, suggesting a strong potential for price appreciation.
Bears Say
Credit Performance ConcernsCredit performance is anticipated to improve, which should ease investor concerns and drive valuation recovery.
Live Oak Bancshares News
LOB FAQ
What was Live Oak Bancshares Inc. ’s price range in the past 12 months?
Live Oak Bancshares Inc. lowest stock price was $22.68 and its highest was $50.57 in the past 12 months.
What is Live Oak Bancshares Inc. ’s market cap?
Live Oak Bancshares Inc. ’s market cap is $1.72B.
When is Live Oak Bancshares Inc. ’s upcoming earnings report date?
Live Oak Bancshares Inc. ’s upcoming earnings report date is Oct 22, 2025 which is in 48 days.
How were Live Oak Bancshares Inc. ’s earnings last quarter?
Live Oak Bancshares Inc. released its earnings results on Jul 23, 2025. The company reported $0.51 earnings per share for the quarter, beating the consensus estimate of $0.5 by $0.01.
Is Live Oak Bancshares Inc. overvalued?
According to Wall Street analysts Live Oak Bancshares Inc. ’s price is currently Undervalued.
Does Live Oak Bancshares Inc. pay dividends?
Live Oak Bancshares Inc. pays a Quarterly dividend of $0.03 which represents an annual dividend yield of 0.32%. See more information on Live Oak Bancshares Inc. dividends here
What is Live Oak Bancshares Inc. ’s EPS estimate?
Live Oak Bancshares Inc. ’s EPS estimate is 0.57.
How many shares outstanding does Live Oak Bancshares Inc. have?
Live Oak Bancshares Inc. has 45,731,300 shares outstanding.
What happened to Live Oak Bancshares Inc. ’s price movement after its last earnings report?
Live Oak Bancshares Inc. reported an EPS of $0.51 in its last earnings report, beating expectations of $0.5. Following the earnings report the stock price went up 0.557%.
Which hedge fund is a major shareholder of Live Oak Bancshares Inc. ?
Currently, no hedge funds are holding shares in LOB
Live Oak Bancshares Stock Smart Score
Neutral
1
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5
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$43.00 (14.54% Upside)
$43.00 (14.54% Upside)
Blogger Sentiment
Neutral
LOB Sentiment 50%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Increased
By 53.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $100.5K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 6.1%
Last 30 Days ▼ 6.1%
News Sentiment
Neutral
Bullish news 50%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-11.42%
12-Months-Change
Fundamentals
Return on Equity
5.54%
Trailing 12-Months
Asset Growth
16.54%
Trailing 12-Months
Company Description
Live Oak Bancshares Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
LOB Company Deck
LOB Earnings Call
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call highlighted strong growth in revenue, loan originations, and deposits, alongside significant improvements in credit quality and net interest income. While there were some challenges with increased payoffs and intentional charge-offs, these were managed proactively. The overall performance and strategic initiatives suggest a positive trajectory for the company.View all LOB earnings summariesLOB Stock 12 Month Forecast
Average Price Target
$43.00
▲(14.54% Upside)
Technical Analysis
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Ownership Overview
16.70% Insiders
24.75% Mutual Funds
32.71% Other Institutional Investors
13.97% Public Companies and
Individual Investors