Live Oak Bancshares (LOB)
NYSE:LOB
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LOB Stock Chart & Stats
$37.46
-$0.44(-1.14%)
At close: 4:00 PM EST
$37.46
-$0.44(-1.14%)
Day’s Range― - ―
52-Week Range$29.36 - $42.89
Previous CloseN/A
Volume21.95K
Average Volume (3M)309.55K
Market Cap
$1.92B
Enterprise Value$1.04B
Total Cash (Recent Filing)$1.69B
Total Debt (Recent Filing)$99.75M
Price to Earnings (P/E)15.7
Beta1.07
Next Earnings
Jul 29, 2026EPS Estimate
0.68Next Dividend Ex-DateN/A
Dividend Yield0.33%
Share Statistics
EPS (TTM)2.64
Shares Outstanding46,262,390
10 Day Avg. Volume399,602
30 Day Avg. Volume309,546
Financial Highlights & Ratios
PEG Ratio0.51
Price to Book (P/B)1.26
Price to Sales (P/S)1.51
P/FCF Ratio10.99
Enterprise Value/Market Cap0.54
Enterprise Value/Revenue0.98
Enterprise Value/Gross Profit1.95
Enterprise Value/Ebitda4.91
Forecast
1Y Price Target
$43.33Price Target Upside15.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.06
Revenue Forecast (FY)$636.94M
Bulls Say, Bears Say
Bulls Say
Loan And Deposit GrowthSustained loan and deposit growth with a sizable ~$4.5B pipeline supports durable net interest income and funding stability. A recurring low- to mid‑teens loan growth target implies structural revenue runway, reducing reliance on volatile one-off gains over the medium term.
SBA Gain-on-sale And Fee DiversificationConsistent gain-on-sale performance and steady SBA sale premiums create durable non-interest revenue and servicing economics. Reliance on SBA secondary markets and structured sale premiums diversifies income away from pure NII, supporting margin resilience across rate cycles.
Conservative Balance Sheet & CapitalA conservative leverage profile, rising equity, and recovered ROE point to financial flexibility and loss-absorption capacity. Solid capital and measured provisioning policies underpin capacity to fund growth, absorb localized credit stress, and pursue strategic initiatives without aggressive external financing.
Bears Say
Volatile Cash GenerationDeclining and more volatile operating and free cash flow weakens confidence in the bank's cash conversion and internal funding for growth or capital returns. Over a 2–6 month horizon this can constrain discretionary investments and elevate sensitivity to deposit or secondary market funding shifts.
Localized Credit Stress And Rising Charge-offsConcentrated stress in exited verticals and upticks in nonaccruals/charge-offs highlight portfolio vulnerability. If pockets of weakness persist or expand, provision needs could rise, compressing earnings and capital metrics and requiring longer workout timelines for recoveries.
Funding Mix Concentration & Deposit CompetitionLow proportion of stable, noninterest-bearing deposits leaves funding more rate-sensitive and competitive. Achieving larger sticky checking balances is strategic but execution-dependent; failure to materially shift mix would keep funding costs elevated and NIM exposed over the medium term.
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 $29.36 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 $1.92B.
When is Live Oak Bancshares’s upcoming earnings report date?
Live Oak Bancshares’s upcoming earnings report date is Jul 29, 2026 which is in 31 days.
How were Live Oak Bancshares’s earnings last quarter?
Live Oak Bancshares released its earnings results on Apr 22, 2026. The company reported $0.6 earnings per share for the quarter, beating the consensus estimate of $0.585 by $0.015.
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 0.68.
How many shares outstanding does Live Oak Bancshares have?
Live Oak Bancshares has 46,262,390 shares outstanding.
What happened to Live Oak Bancshares’s price movement after its last earnings report?
Live Oak Bancshares reported an EPS of $0.6 in its last earnings report, beating expectations of $0.585. Following the earnings report the stock price went up 3.279%.
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
Outperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$43.33 (15.68% Upside)
$43.33 (15.68% Upside)
Blogger Sentiment
Neutral
LOB Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.8M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
-7.88%
12-Months-Change
Fundamentals
Return on Equity
10.37%
Trailing 12-Months
Asset Growth
12.54%
Trailing 12-Months
Company Description
Live Oak Bancshares
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.
LOB Company Deck
LOB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a clear positive operational and financial trajectory: strong year-over-year and linked-quarter earnings growth (EPS, PPNR), robust revenue and net interest income expansion, healthy loan and deposit growth, growing traction in checking and small-dollar SBA (Live Oak Express), disciplined expense control and improving efficiency, solid capital and reserves, and active AI/technology investments to drive future scale. Credit metrics showed some localized stress—nonaccruals and charge-offs ticked up due to a small exited vertical (whiskey distilleries) and provisioning remains a monitored item—but overall credit trends were described as stable to improving. Given the breadth and magnitude of the favorable metrics and the limited nature of the credit and timing headwinds, the tone of the call is constructive and growth-oriented.View all LOB earnings summariesLOB Stock 12 Month Forecast
Average Price Target
$43.33
▲(15.68% Upside)
Technical Analysis
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Ownership Overview
18.25% Insiders
25.10% Mutual Funds
35.31% Other Institutional Investors
8.40% Public Companies and
Individual Investors