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LOB Stock Chart & Stats
$39.99
$0.10(0.24%)
At close: 4:00 PM EDT
$39.99
$0.10(0.24%)
Day’s Range― - ―
52-Week Range$29.36 - $44.53
Previous Close$42.18
Volume293.99K
Average Volume (3M)214.72K
Market Cap
$1.60B
Enterprise Value$1.18B
Total Cash (Recent Filing)$927.63M
Total Debt (Recent Filing)$99.77M
Price to Earnings (P/E)12.0
Beta1.04
Next Earnings
Oct 21, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend Yield0.35%
Share Statistics
EPS (TTM)2.88
Shares Outstanding46,283,620
10 Day Avg. Volume256,052
30 Day Avg. Volume214,725
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 Cap0.74
Enterprise Value/Revenue1.09
Enterprise Value/Gross Profit2.16
Enterprise Value/Ebitda5.06
Forecast
1Y Price Target
$48.80Price Target Upside22.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.03
Revenue Forecast (FY)$648.05M
Bulls Say, Bears Say
Bulls Say
Loan Growth And Pipeline StrengthStrong originations, expanding balances, and a record pipeline indicate durable demand across Live Oak’s targeted small-business verticals. This supports future net interest income, fee generation, and servicing revenue while reinforcing the bank’s specialized lending position.
Growing Net Interest Income And MarginHigher net interest income and a modestly expanding margin show that asset growth is translating into revenue gains. The fact that 87% of originated loans were at current or higher rates may help preserve earning-asset yields and support performance over coming quarters.
Conservative Leverage And Expanding Equity BaseLow leverage and substantial equity accumulation provide resilience as the loan book expands. A stronger capital base can absorb credit losses, support continued origination capacity, and give management more flexibility to invest in technology and customer acquisition.
Bears Say
Recent Deterioration In Cash GenerationNegative operating and free cash flow represent a meaningful deterioration from prior positive years and weaken the quality of reported earnings. If sustained, the pattern could increase reliance on funding sources and constrain internally funded growth or capital allocation.
Elevated Credit Provisions And Portfolio LossesElevated provisions and concentrated losses show that rapid loan growth can carry meaningful credit costs, even as management expects normalization. The exited portfolio reduces one source of pressure, but provisioning remains a drag on earnings and introduces volatility.
Deposit Competition Pressures Funding CostsLive Oak’s deposit growth is strategically valuable, but aggressive pricing by competitors can raise funding costs faster than asset yields improve. That dynamic may limit future margin expansion and reduce the earnings benefit of growing deposits and checking balances.
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 $1.60B.
When is Live Oak Bancshares’s upcoming earnings report date?
Live Oak Bancshares’s upcoming earnings report date is Oct 21, 2026 which is in 10 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 0.35%. See more information on Live Oak Bancshares dividends here
What is Live Oak Bancshares’s EPS estimate?
Live Oak Bancshares’s EPS estimate is 0.69.
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
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$48.80 (22.03% Upside)
$48.80 (22.03% Upside)
Blogger Sentiment
Neutral
LOB Sentiment 67%
Sector Average 63%
Sector Average 63%
Hedge Fund Trend
Decreased
By 65.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $542.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-3.55%
12-Months-Change
Fundamentals
Return on Equity
10.91%
Trailing 12-Months
Asset Growth
15.96%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
$48.80
▲(22.03% 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
18.09% Insiders
25.09% Mutual Funds
1.35% Other Institutional Investors
39.23% Public Companies and
Individual Investors