Live Oak Bancshares (LOB) Stock Price, News & Analysis

Company Overview

Live Oak Bancshares, Inc. is the parent company of Live Oak Bank, a digital-focused financial institution headquartered in Wilmington, North Carolina. Founded in 2008, the company specializes in providing banking services to small and mid-sized businesses, with a particular emphasis on loans to owners of professional and industry-specific businesses.

Through Live Oak Bank, the company offers commercial lending, Small Business Administration (SBA) loans, business deposits, treasury management and other financial services. Its lending platform serves a range of industries, including agriculture, healthcare, veterinary practices, investment advisory firms, government contracting and renewable energy. The bank uses technology and specialized industry expertise to support customers throughout the loan and banking relationship.

Live Oak Bank serves businesses across the United States rather than operating primarily through a traditional branch network. Live Oak Bancshares is led by James S. Mahan III, who co-founded Live Oak Bank and serves as its chairman and chief executive officer. The company became publicly traded on the New York Stock Exchange in 2015.

Key Stats

• Today's Range: $33.19 to $34.19
• 50-Day Range: $33.90 to $40.16
• 52-Week Range: $29.36 to $44.53
• Volume: 244,926 shs
• Average Volume: 291,817 shs
• Market Capitalization: $1.57 billion
• P/E Ratio: 12.09
• Dividend Yield: 0.35%
• Price Target: $41.75
• Consensus Rating: Hold

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 82% of companies evaluated by MarketBeat, and ranked 279th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.0 / 5
• Analyst Rating: Hold

Consensus Rating

Live Oak Bancshares has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on no strong buy ratings, 2 buy ratings, 4 hold ratings, and no sell ratings.

Upside Potential

Live Oak Bancshares has a consensus price target of $41.75, representing about 22.9% upside from its current price of $33.98.

Amount of Analyst Coverage

Live Oak Bancshares has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 48.92%

Earnings Growth

Earnings for Live Oak Bancshares are expected to grow by 48.92% in the coming year, from $2.78 to $4.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Live Oak Bancshares is 12.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.33.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 12.09, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.20.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.35. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.85% of the float of Live Oak Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Live Oak Bancshares has a short interest ratio ("days to cover") of 10.27, which indicates bearish sentiment.

Change versus previous month

Short interest in Live Oak Bancshares has recently increased by 11.17%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Live Oak Bancshares has a dividend yield of 0.35%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Live Oak Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Live Oak Bancshares is 4.27%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Live Oak Bancshares will have a dividend payout ratio of 2.90% next year. This indicates that Live Oak Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.3 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 2 news articles for Live Oak Bancshares this week, compared to 3 articles on an average week.

Search Interest

1 people have searched for LOB on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added Live Oak Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.1 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Live Oak Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $576,967.00 in company stock.

Percentage Held by Insiders

22.40% 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 Institutions

63.95% 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.

Company Calendar

• Record date for 9/15 Dividend: 9/01/2026
• Ex-Dividend for 9/15 Dividend: 9/01/2026
• Dividend Payable: 9/15/2026
• Last Earnings: 10/21/2026
• Today: 11/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:LOB
• Previous Symbol: NYSE:LOB
• CIK: 1462120
• Web: liveoakbank.com
• Phone: (910) 790-5867
• Fax: 910-790-5868
• Employees: 1,077
• Year Founded: 2008

Price Target and Rating

• Average Price Target for Live Oak Bancshares: $41.75
• High Price Target: $47.00
• Low Price Target: $38.00
• Potential Upside/Downside: +22.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.81
• Trailing P/E Ratio: 12.09
• Forward P/E Ratio: 8.21
• P/E Growth: N/A
• Net Income: $105.87 million
• Net Margins: 12.22%
• Pretax Margin: 16.28%
• Return on Equity: 11.49%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.95
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $1.04 billion
• Price / Sales: 1.51
• Cash Flow: $2.96 per share
• Price / Cash Flow: 11.47
• Book Value: $25.25 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 46,260,000
• Free Float: 35,899,000
• Market Cap: $1.57 billion
• Optionable: Optionable
• Beta: 1.79