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$26.19 - $42.89
Previous CloseN/A
Volume21.95K
Average Volume (3M)309.55K
Market Cap
$1.64B
Enterprise Value$928.24M
Total Cash (Recent Filing)$816.13M
Total Debt (Recent Filing)$99.75M
Price to Earnings (P/E)12.6
Beta1.12
Next Earnings
Jul 29, 2026EPS Estimate
0.66Next 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 Ratio0.50
Price to Book (P/B)1.26
Price to Sales (P/S)1.51
P/FCF Ratio10.99
Enterprise Value/Market Cap0.56
Enterprise Value/Revenue0.87
Enterprise Value/Gross Profit1.74
Enterprise Value/Ebitda4.53
Forecast
1Y Price Target
$43.33Price Target Upside15.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.03
Revenue Forecast (FY)$635.72M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet & CapitalSustained conservative leverage and steady equity growth provide durable loss-absorbing capacity and financial flexibility. This lowers funding and solvency risk across economic cycles, supporting the bank's ability to originate, retain capital, absorb localized credit losses, and execute on growth targets without urgent capital raises.
Strong NII And Revenue MomentumSustained NII and revenue expansion driven by loan growth and margin recovery reflects durable core earnings power. Reliable interest income reduces dependence on volatile one-offs, funds operating investments, supports improving efficiency, and underpins management's targeted mid‑teens loan growth and PPNR expansion over the medium term.
Diversified SBA Origination And Secondary Market StrengthBroad industry origination, meaningful government-guaranteed share, and a growing small‑dollar SBA channel provide structural diversification and recurring gain-on-sale economics. Strong secondary sales and stable premiums support fee income and servicing streams, reducing reliance on single sectors and strengthening long-term revenue stability.
Bears Say
Volatile Cash GenerationA meaningful downshift in operating cash flow and TTM free cash flow raises concern about cash conversion stability. Weaker cash generation can constrain reinvestment, capital returns, and buffer capacity for elevated provisions, forcing greater reliance on loan sales or capital markets during stress periods and reducing financial optionality.
Localized Credit Stress And Increasing Charge-offsRising nonaccruals and charge-offs, concentrated in a previously exited vertical, signal portfolio vulnerability in niche segments. Even if localized, such pockets can inflate provisions, compress returns, and necessitate closer underwriting discipline; persistent pockets could erode underwriting credibility and slow targeted growth in affected industries.
Funding Sensitivity And Deposit MixA still-small share of low‑cost checking and competitive deposit markets leave funding costs and margin exposed. Failure to materially increase core noninterest-bearing balances would sustain sensitivity to wholesale or higher-cost funding, limiting sustainable NIM expansion and necessitating continued execution to shift the mix toward cheaper deposits.
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 $26.19 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 $1.64B.
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 73 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 0.66.
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
Neutral
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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 368.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.1M 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. 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
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
15.55% Insiders
24.64% Mutual Funds
35.30% Other Institutional Investors
11.83% Public Companies and
Individual Investors