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LOB Stock Chart & Stats
$42.08
$0.10(0.24%)
At close: 4:00 PM EDT
$42.08
$0.10(0.24%)
Day’s Range― - ―
52-Week Range$29.36 - $44.53
Previous Close$42.18
Volume293.99K
Average Volume (3M)309.55K
Market Cap
$1.97B
Enterprise Value$1.18K
Total Cash (Recent Filing)$927.63M
Total Debt (Recent Filing)$99.77M
Price to Earnings (P/E)14.7
Beta1.10
Next Earnings
Oct 28, 2026EPS Estimate
0.81Next Dividend Ex-DateN/A
Dividend Yield0.28%
Share Statistics
EPS (TTM)2.88
Shares Outstanding46,283,620
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$52.50Price Target Upside24.76% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)3.08
Revenue Forecast (FY)$641.40M
Bulls Say, Bears Say
Bulls Say
Revenue And Margin ExpansionSustained, material top-line growth with improving net and operating margins reflects stronger loan volumes, higher NII and better operating leverage. These durable improvements support scalable profitability, reinvestment capacity and reduce reliance on one-time gains for medium-term earnings resilience.
Conservative Balance Sheet And Rising CapitalA low leverage profile and materially higher equity provide capital room to absorb credit stress and support continued loan growth without excessive funding strain. Strong capital base enhances regulatory resilience and gives management flexibility to pursue growth and return strategies over the next several quarters.
Diversified Origination Channels And Tech TractionLarge, growing pipeline plus rising Live Oak Express originations and rapidly expanding business checking diversify funding and revenue sources. Tech-enabled origination, AI adoption and BaaS initiatives create structural scalability and lower unit costs, supporting durable revenue-led growth and cross-sell opportunities.
Bears Say
Negative Operating And Free Cash FlowA swing to negative operating and free cash flow reduces internal funding for lending and requires reliance on external funding or asset sales. This undermines earnings quality and increases sensitivity to funding costs, adding medium-term execution risk if cash generation does not normalize.
Elevated, Volatile Credit ProvisionsHigh, shifting provisions driven by CECL treatment and a concentrated exited portfolio create earnings volatility and reduce predictability. CECL can penalize rapid origination, meaning management tradeoffs between growth and near-term provision spikes may persist and pressure reported profitability.
Deposit Competition And Low Core Checking ShareLow share of low-cost checking and aggressive deposit competition constrain margin upside and make funding costs sensitive to market moves. Achieving sustained DDA gains is necessary to lock in NIM benefits; otherwise margin improvement may be capped by continued funding price pressure.
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 $44.53 in the past 12 months.
What is Live Oak Bancshares’s market cap?
Live Oak Bancshares’s market cap is $1.97B.
When is Live Oak Bancshares’s upcoming earnings report date?
Live Oak Bancshares’s upcoming earnings report date is Oct 28, 2026 which is in 78 days.
How were Live Oak Bancshares’s earnings last quarter?
Live Oak Bancshares released its earnings results on Jul 22, 2026. The company reported $0.692 earnings per share for the quarter, beating the consensus estimate of $0.677 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 0.28%. See more information on Live Oak Bancshares dividends here
What is Live Oak Bancshares’s EPS estimate?
Live Oak Bancshares’s EPS estimate is 0.81.
How many shares outstanding does Live Oak Bancshares have?
Live Oak Bancshares has 46,283,620 shares outstanding.
What happened to Live Oak Bancshares’s price movement after its last earnings report?
Live Oak Bancshares reported an EPS of $0.692 in its last earnings report, beating expectations of $0.677. Following the earnings report the stock price went up 3.898%.
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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10
Analyst Consensus
Strong Buy
Average Price Target:
$52.50 (24.76% Upside)
$52.50 (24.76% Upside)
Blogger Sentiment
Neutral
LOB Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $478.4K 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
0.28%
Trailing 12-Months
Asset Growth
15.96%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized sustained multi-quarter momentum: strong loan production and record pipelines, double-digit revenue growth, expanding NII and margins, improving operating leverage, rapid traction in Live Oak Express and business checking, and broad AI adoption. Credit-related headwinds were notable but largely contained — primarily an exited distillery portfolio and CECL-driven provisions tied to growth. Management framed provisions as a tradeoff for high-quality, high-growth origination and expects provision run-rates to normalize in the $20–$25 million range. Overall, operational and revenue positives materially outnumber the discrete credit and funding headwinds.View all LOB earnings summariesLOB Stock 12 Month Forecast
Average Price Target
$52.50
▲(24.76% Upside)
Technical Analysis
1St Source
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City Holding Company
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Oceanfirst Financial
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S&T Bancorp
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National Bank Holdings
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Ownership Overview
18.18% Insiders
25.09% Mutual Funds
3.48% Other Institutional Investors
38.93% Public Companies and
Individual Investors