NASDAQ:LOB Live Oak Bancshares (LOB) Stock Price, News & Analysis $32.67 +0.32 (+0.99%) Closing price 03:59 PM EasternExtended Trading$32.54 -0.13 (-0.39%) As of 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Live Oak Bancshares Stock (NASDAQ:LOB) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Live Oak Bancshares alerts:Sign Up Key Stats Today's Range$32.01▼$34.3050-Day Range$26.92▼$32.5552-Week Range$22.68▼$50.57Volume751,643 shsAverage Volume294,346 shsMarket Capitalization$1.49 billionP/E Ratio22.53Dividend Yield0.37%Price Target$42.00Consensus RatingHold Company Overview Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. It operates through two segments, Banking and Fintech. 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; financing for renewable energy application industry; wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina. Read More Live Oak Bancshares Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks78th Percentile Overall ScoreLOB MarketRank™: Live Oak Bancshares scored higher than 78% of companies evaluated by MarketBeat, and ranked 303rd out of 921 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.2 / 5Analyst RatingHold Consensus RatingLive Oak Bancshares has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.Amount of Analyst CoverageLive Oak Bancshares has only been the subject of 1 research reports in the past 90 days.Read more about Live Oak Bancshares' stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth46.75% Earnings GrowthEarnings for Live Oak Bancshares are expected to grow by 46.75% in the coming year, from $2.31 to $3.39 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Live Oak Bancshares is 22.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.77.Price to Earnings Ratio vs. SectorThe P/E ratio of Live Oak Bancshares is 22.80, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.16.Price to Book Value per Share RatioLive Oak Bancshares has a P/B Ratio of 1.63. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted5.28% of the float of Live Oak Bancshares has been sold short.Short Interest Ratio / Days to CoverLive Oak Bancshares has a short interest ratio ("days to cover") of 6.1.Change versus previous monthShort interest in Live Oak Bancshares has recently increased by 2.22%, indicating that investor sentiment is decreasing. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldLive Oak Bancshares has a dividend yield of 0.37%, which is in the bottom 25% of all stocks that pay dividends.Dividend GrowthLive Oak Bancshares does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Live Oak Bancshares is 9.23%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Live Oak Bancshares will have a dividend payout ratio of 3.54% next year. This indicates that Live Oak Bancshares will be able to sustain or increase its dividend.Read more about Live Oak Bancshares' dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted5.28% of the float of Live Oak Bancshares has been sold short.Short Interest Ratio / Days to CoverLive Oak Bancshares has a short interest ratio ("days to cover") of 6.1.Change versus previous monthShort interest in Live Oak Bancshares has recently increased by 2.22%, indicating that investor sentiment is decreasing. News and Social Media1.6 / 5News Sentiment-0.05 News SentimentLive Oak Bancshares has a news sentiment score of -0.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.82 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 13 news articles for Live Oak Bancshares this week, compared to 4 articles on an average week.Search Interest4 people have searched for LOB on MarketBeat in the last 30 days. Company Ownership5.0 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Live Oak Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $129,600.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders23.40% of the stock of Live Oak Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions63.95% of the stock of Live Oak Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Live Oak Bancshares' insider trading history. Receive LOB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Live Oak Bancshares and its competitors with MarketBeat's FREE daily newsletter. Email Address LOB Stock News HeadlinesWhy Live Oak Bancshares (LOB) Stock Is Trading Up Today2 hours ago | msn.comLive Oak Bancshares, Inc. Reports Second Quarter 2025 ResultsJuly 23 at 4:30 PM | globenewswire.comTrump’s $100 Trillion Land Rush Is OnWhat Is "The US: IPO"? You won't hear this on CNBC... but the government may soon open up hundreds of trillions in oil, gas, lithium, and land rights. Whitney Tilson breaks it all down, and shows how everyday Americans can grab a stake. His urgent new briefing explains "The US: IPO"... and how to get in before the looming federal deadline.July 24 at 2:00 AM | Stansberry Research (Ad)Live Oak Bancshares Q2 2025 Earnings PreviewJuly 23 at 3:18 AM | msn.comLive Oak Bancshares Inc (LOB) Q2 2025 Earnings Report Preview: What To Look ForJuly 22 at 5:12 PM | finance.yahoo.com7LOB : What's Next: Live Oak Bancshares's Earnings PreviewJuly 22 at 5:12 PM | benzinga.comWhat To Expect From Live Oak Bancshares’s (LOB) Q2 EarningsJuly 21 at 11:59 PM | msn.com"Apache 2" , "Naples" & "Ace" by Live Oak Homes | 2-3 Bed Prefab Houses!July 21 at 1:49 PM | msn.comSee More Headlines LOB Stock Analysis - Frequently Asked Questions How have LOB shares performed this year? Live Oak Bancshares' stock was trading at $39.55 at the beginning of 2025. Since then, LOB stock has decreased by 16.4% and is now trading at $33.0650. How were Live Oak Bancshares' earnings last quarter? Live Oak Bancshares, Inc. (NASDAQ:LOB) issued its quarterly earnings data on Wednesday, October, 23rd. The bank reported $0.28 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.53 by $0.25. The bank earned $241.87 million during the quarter, compared to analyst estimates of $126.63 million. Live Oak Bancshares had a net margin of 7.10% and a trailing twelve-month return on equity of 6.88%. When did Live Oak Bancshares IPO? Live Oak Bancshares (LOB) raised $68 million in an initial public offering on Thursday, July 23rd 2015. The company issued 4,000,000 shares at a price of $16.00-$18.00 per share. Sandler O�Neill & Partners, L.P acted as the underwriter for the IPO and Keefe Bruyette & Woods (A Stifle Company) and SunTrust Robinson Humphrey were co-managers. Who are Live Oak Bancshares' major shareholders? Live Oak Bancshares' top institutional shareholders include Trust Co of the South (0.72%), E. Ohman J or Asset Management AB (0.20%), Chatham Capital Group Inc. (0.12%) and Salem Investment Counselors Inc. (0.10%). Insiders that own company stock include Steve Smits, Miltom Emmett Petty, Diane Beth Glossman, Micah S Davis, David G Lucht, John W Sutherland, Renato Derraik, William Henderson Cameron and Tonya Williams Bradford. View institutional ownership trends. How do I buy shares of Live Oak Bancshares? Shares of LOB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Live Oak Bancshares own? Based on aggregate information from My MarketBeat watchlists, some other companies that Live Oak Bancshares investors own include NVIDIA (NVDA), Meta Platforms (META), Tesla (TSLA), CrowdStrike (CRWD), Advanced Micro Devices (AMD), Netflix (NFLX) and UnitedHealth Group (UNH). Company Calendar Last Earnings10/23/2024Record date for 6/17 Dividend6/03/2025Ex-Dividend for 6/17 Dividend6/03/2025Dividend Payable6/17/2025Today7/24/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:LOB CIK1462120 Webwww.liveoakbank.com Phone(866) 518-0286Fax910-790-5868Employees960Year FoundedN/APrice Target and Rating Average Price Target for Live Oak Bancshares$42.00 High Price Target$46.00 Low Price Target$36.00 Potential Upside/Downside+27.0%Consensus RatingHold Rating Score (0-4)2.33 Research Coverage3 Analysts Profitability EPS (Trailing Twelve Months)$1.30 Trailing P/E Ratio22.80 Forward P/E Ratio14.31 P/E GrowthN/ANet Income$77.47 million Net Margins7.10% Pretax Margin10.28% Return on Equity6.88% Return on Assets0.55% Debt Debt-to-Equity RatioN/A Current Ratio0.93 Quick Ratio0.90 Sales & Book Value Annual Sales$498.34 million Price / Sales3.03 Cash Flow$2.15 per share Price / Cash Flow15.40 Book Value$20.23 per share Price / Book1.63Miscellaneous Outstanding Shares45,608,000Free Float34,389,000Market Cap$1.51 billion OptionableOptionable Beta1.84 Social Links Investing Strategies To Help Grow Your Retirement IncomeNeed to stretch out your 401K or Roth IRA plan? Use these time-tested investing strategies to grow the monthly retirement income that your stock portfolio generates.Get This Free Report This page (NASDAQ:LOB) was last updated on 7/24/2025 by MarketBeat.com Staff From Our PartnersTrump’s $100 Trillion Land Rush Is OnWhat Is "The US: IPO"? You won't hear this on CNBC... but the government may soon open up hundreds of trill...Stansberry Research | SponsoredTreasury Secretary Bessent Is Betting Big on GoldWhen the U.S. Treasury Secretary’s largest personal investment is gold — that’s a signal. Now a veteran gol...Golden Portfolio | SponsoredThink you missed gold’s boom? Think againIf you've been watching gold's historic run and wondering if it's too late… I've got good news. Because the...Investors Alley | SponsoredCritical AI announcement set to ignite AI 2.0 I just put together an urgent new presentation that you need to see right away. 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