Live Oak Bancshares ( (LOB) ) has released a notification of late filing.
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Live Oak Bancshares has announced a delay in filing its Form 10-Q (Quarter Report) for the period ending September 30, 2025. The delay is primarily due to the need to amend previous financial statements, specifically the Statements of Cash Flows, which were found to have material misclassifications. These adjustments, however, do not affect the company’s overall financial health or key performance metrics. The company anticipates completing the filing by November 17, 2025. Despite these restatements, no significant changes are expected in the company’s financial results. The company is actively working on compliance and the notification was signed by Walter J. Phifer, the Chief Financial Officer.
The most recent analyst rating on (LOB) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on Live Oak Bancshares stock, see the LOB Stock Forecast page.
Spark’s Take on LOB Stock
According to Spark, TipRanks’ AI Analyst, LOB is a Neutral.
Live Oak Bancshares’ overall stock score reflects its strong financial performance, particularly in cash flow and balance sheet stability, and positive earnings call highlights. However, technical analysis indicates short-term bearish momentum, and the valuation suggests the stock may be overvalued. The company’s strategic initiatives and growth in SBA lending are significant positives, but concerns about nonaccrual loans and potential government shutdown impacts temper the outlook.
To see Spark’s full report on LOB stock, click here.
More about Live Oak Bancshares
Average Trading Volume: 286,335
Technical Sentiment Signal: Sell
Current Market Cap: $1.47B
For an in-depth examination of LOB stock, go to TipRanks’ Overview page.