Live Oak Bancshares (LOB)
NYSE:LOB
LOB Stock Chart & Stats
$32.09
-$0.44(-1.14%)
At close: 4:00 PM EST
$32.09
-$0.44(-1.14%)
Day’s Range― - ―
52-Week Range$22.68 - $42.89
Previous CloseN/A
Volume21.95K
Average Volume (3M)309.55K
Market Cap
$1.48B
Enterprise Value$722.85M
Total Cash (Recent Filing)$864.90M
Total Debt (Recent Filing)$104.56M
Price to Earnings (P/E)15.2
Beta1.01
Next Earnings
Apr 29, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend Yield0.33%
Share Statistics
EPS (TTM)0.56
Shares Outstanding46,219,604
10 Day Avg. Volume399,602
30 Day Avg. Volume309,546
Financial Highlights & Ratios
PEG Ratio0.50
Price to Book (P/B)1.26
Price to Sales (P/S)1.51
P/FCF Ratio10.99
Enterprise Value/Market Cap0.49
Enterprise Value/Revenue0.69
Enterprise Value/Gross Profit1.44
Enterprise Value/Ebitda3.91
Forecast
1Y Price Target
$44.67Price Target Upside39.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.99
Revenue Forecast (FY)$661.43M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and growing equity provide durable capital resilience that supports lending through economic cycles and regulatory stress tests. A de-risked balance sheet gives management flexibility to fund loan growth, absorb credit shocks, and return capital without needing urgent outside financing, supporting stability over the next 2–6 months.
Strong Origination EngineConsistent, high-volume originations create a durable revenue base via net interest income and fee/GOS channels. Sustained production capability nurtures secondary-market sale economics (SBA gain-on-sale), funds deposit cross-sell, and supports forward NII growth as loans reprice, underpinning medium-term earnings expansion if credit remains manageable.
Product Ramp: Live Oak ExpressScaling a distinct small-dollar SBA channel diversifies fee and gain-on-sale revenue away from legacy origination. If Live Oak Express progresses toward targeted volumes, it provides a repeatable, technology-enabled source of fee income and strengthens franchise stickiness via new client touchpoints, enhancing structural revenue mix over time.
Bears Say
Cash-flow VolatilityA sharp decline and historically volatile free cash flow reduce financial flexibility to invest, pay dividends, or absorb credit losses. Inconsistent cash conversion increases forecasting risk and could force more conservative capital deployment or higher buffers, constraining strategic initiatives and shareholder returns over the medium term.
Elevated SBA-related NonaccrualsRising nonaccruals concentrated in SBA exposures increase provisioning risk and could depress net income and capital generation if trends persist. Heavy SBA concentration amplifies industry-specific cycles; higher reserves or charge-offs would materially affect sustainably reported earnings and reduce capital available for growth over coming quarters.
Profitability Below Prior PeaksCurrent ROE and margins remain materially below historical peaks, indicating the bank must generate more scale or margin expansion to restore prior returns. This structural earnings gap limits internal capital accrual and could delay increased shareholder distributions or reinvestment unless sustained higher NII or fee growth narrows the delta.
Live Oak Bancshares News
LOB FAQ
What was Live Oak Bancshares’s price range in the past 12 months?
Live Oak Bancshares lowest stock price was $22.68 and its highest was $42.89 in the past 12 months.
What is Live Oak Bancshares’s market cap?
Live Oak Bancshares’s market cap is $1.48B.
When is Live Oak Bancshares’s upcoming earnings report date?
Live Oak Bancshares’s upcoming earnings report date is Apr 29, 2026 which is in 31 days.
How were Live Oak Bancshares’s earnings last quarter?
Live Oak Bancshares released its earnings results on Jan 21, 2026. The company reported $0.562 earnings per share for the quarter, missing the consensus estimate of $0.564 by -$0.002.
Is Live Oak Bancshares overvalued?
According to Wall Street analysts Live Oak Bancshares’s price is currently Undervalued.
Does Live Oak Bancshares pay dividends?
Live Oak Bancshares pays a Quarterly dividend of $0.03 which represents an annual dividend yield of 0.33%. See more information on Live Oak Bancshares dividends here
What is Live Oak Bancshares’s EPS estimate?
Live Oak Bancshares’s EPS estimate is 0.58.
How many shares outstanding does Live Oak Bancshares have?
Live Oak Bancshares has 46,219,604 shares outstanding.
What happened to Live Oak Bancshares’s price movement after its last earnings report?
Live Oak Bancshares reported an EPS of $0.562 in its last earnings report, missing expectations of $0.564. Following the earnings report the stock price went up 4.514%.
Which hedge fund is a major shareholder of Live Oak Bancshares?
Currently, no hedge funds are holding shares in LOB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Live Oak Bancshares Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$44.67 (39.20% Upside)
$44.67 (39.20% Upside)
Blogger Sentiment
Neutral
LOB Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 368.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $560.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-7.88%
12-Months-Change
Fundamentals
Return on Equity
6.31%
Trailing 12-Months
Asset Growth
16.33%
Trailing 12-Months
Company Description
Live Oak Bancshares
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong operating and financial achievements: record loan production, double-digit revenue and NII growth, improving core profitability (PPNR), substantial checking and cross-sell momentum, and a meaningful contribution from Live Oak Express. Venture gains and steady deposit growth further bolstered results. Offsetting these positives were manageable but notable headwinds: an increase in nonaccruals driven by SBA exposure, near-term NIM compression risk from rapid deposit repricing after Fed cuts, intentionally lower gain-on-sale recognition in Q4 (timing), and several one-time expense offsets. Management framed credit as stabilizing and expects expense growth to moderate while continuing strategic investments (checking, Live Oak Express, AI/technology). Overall, the positives significantly outweighed the negatives, though near-term margin and timing variability remain watch items.View all LOB earnings summariesLOB Stock 12 Month Forecast
Average Price Target
$44.67
▲(39.20% Upside)
Technical Analysis
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Ownership Overview
16.16% Insiders
24.99% Mutual Funds
24.43% Other Institutional Investors
22.92% Public Companies and
Individual Investors