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Live Oak Bancshares (LOB)
NYSE:LOB
LOB Stock Chart & Stats
$35.64
-$0.44(-1.14%)
At close: 4:00 PM EST
$35.64
-$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
$1.65B
Enterprise Value$1.74B
Total Cash (Recent Filing)$1.47B
Total Debt (Recent Filing)$102.40M
Price to Earnings (P/E)15.2
Beta1.00
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 Cap1.06
Enterprise Value/Revenue1.67
Enterprise Value/Gross Profit3.47
Enterprise Value/Ebitda9.42
Forecast
1Y Price Target
$44.67Price Target Upside25.34% 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 Sheet / Low LeverageVery low debt-to-equity and rising equity provide durable capital buffers that reduce insolvency risk, support regulatory flexibility, and allow the bank to fund loan growth without levering up. This structural strength underpins long-term resilience through business cycles and enables strategic investments.
Sustained Loan And Deposit Growth With Cross-sell GainsConsistent, high loan origination and material deposit inflows create durable net interest income potential and improve funding mix. The sharp rise in customers holding both loans and deposits increases lifetime revenue per client and lowers marginal funding costs, supporting more stable margins over time.
Product And Tech Ramp (Live Oak Express, Checking, AI)Scaling specialty origination channels and digital products diversifies fee streams and gain-on-sale income, while AI/tech investments improve origination efficiency and underwriting. Over the medium term this structural product ramp can boost noninterest income and lower unit costs of acquiring small-business customers.
Bears Say
Volatile Free Cash Flow And Cash GenerationA steep recent decline and historical volatility in operating and free cash flow reduce confidence in sustained internal funding for growth, dividends, or buybacks. Persistent variability can force reliance on external funding, constrain opportunistic investments, and complicate long-term planning for capital allocation.
Concentrated SBA Exposure And Rising NonaccrualsMaterial SBA concentration elevates idiosyncratic credit risk and can drive episodic reserve build-ups. Rising nonaccruals signal loss emergence in the unguaranteed book, which can pressure earnings and capital over multiple quarters and reduce the predictability of net income and returns.
Margin Pressure And Gain-on-sale Timing VolatilityStructural timing mismatches between deposit repricing and loan yield adjustments can compress NIM during rate changes, creating multi-quarter margin headwinds. Combined with seasonality and deliberate shifts in gain-on-sale recognition, this produces persistent revenue and margin variability that complicates earnings visibility.
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 $1.65B.
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 53 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
1
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5
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.67 (25.34% Upside)
$44.67 (25.34% 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
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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
▲(25.34% Upside)
Technical Analysis
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Ownership Overview
16.65% Insiders
24.08% Mutual Funds
17.77% Other Institutional Investors
29.45% Public Companies and
Individual Investors