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

Company Overview

Live Oak Bancshares, Inc. is the bank holding company for Live Oak Bank, a digital community bank headquartered in Wilmington, North Carolina. Founded in 2008 by industry veteran Troy McQuagge, the company pioneered a niche banking model that focuses on small and middle-market businesses within select industry verticals. By combining specialized sector expertise with an efficient digital platform, Live Oak seeks to streamline the lending process and deliver tailored financial solutions across the United States.

Live Oak Bank offers a range of deposit products, treasury management services, and commercial lending solutions. Its primary lending specialties include veterinary and animal health, dental practices, mortgage finance, franchising, and healthcare services. Utilizing a centralized call center and proprietary technology, Live Oak is able to maintain a branchless footprint while providing clients with efficient digital interfaces, industry-focused underwriting, and dedicated relationship teams.

Following its initial public offering on the Nasdaq under the ticker symbol LOB in October 2018, Live Oak Bancshares has continued to expand its product suite and geographic reach. The company’s management, led by founder and CEO Troy McQuagge, emphasizes disciplined loan growth, rigorous credit standards, and operational scalability. Executive leadership and the board of directors collaborate to ensure strong corporate governance, proactive risk management, and ongoing engagement with shareholders.

Serving businesses in all 50 states through a centralized digital platform and Wilmington-based contact centers, Live Oak Bank delivers consistent lending practices and industry expertise nationwide. With a history of targeted expansion and a focus on combining human insight with advanced technology, Live Oak Bancshares aims to drive long-term performance while maintaining the community banking ethos that underpins its founding principles.

Key Stats

• Today's Range: $32.01 to $32.54
• 50-Day Range: $25.78 to $32.27
• 52-Week Range: $22.68 to $50.57
• Volume: 119,702 shs
• Average Volume: 246,032 shs
• Market Capitalization: $1.47 billion
• P/E Ratio: 22.26
• Dividend Yield: 0.37%
• Price Target: $41.33
• Consensus Rating: Hold

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 82% of companies evaluated by MarketBeat, and ranked 898th out of 2,763 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: 3.2 / 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 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Live Oak Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 46.75%

Earnings Growth

Earnings 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 Market

The P/E ratio of Live Oak Bancshares is 22.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.55.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 22.26, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.60. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.16% 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 5.2.

Change versus previous month

Short interest in Live Oak Bancshares has recently increased by 10.43%, 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 0.40%, 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 9.23%. 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 3.54% next year. This indicates that Live Oak Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

5.16% 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 5.2.

Change versus previous month

Short interest in Live Oak Bancshares has recently increased by 10.43%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 1.00

News Sentiment

Live Oak Bancshares has a news sentiment score of 1.00. 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 higher news sentiment than the 0.71 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Live Oak Bancshares this week, compared to 4 articles on an average week.

Company Ownership

• Score: 5.0 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 Insiders

23.40% 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.

LOB Stock Analysis - Frequently Asked Questions

How have LOB shares performed this year?

Live Oak Bancshares' stock was trading at $39.55 at the start of the year. Since then, LOB stock has decreased by 18.4% and is now trading at $32.27.

How were Live Oak Bancshares' earnings last quarter?

Live Oak Bancshares, Inc. (NASDAQ:LOB) issued its quarterly earnings results on Wednesday, October, 23rd. The bank reported $0.28 EPS for the quarter, missing analysts' consensus estimates of $0.53 by $0.25. The bank had revenue of $241.87 million for 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 served 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 investors include Trust Co of the South (0.72%) and Central Pacific Bank Trust Division (0.03%). 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 Earnings: 10/23/2024
• Record date for 6/17 Dividend: 6/03/2025
• Ex-Dividend for 6/17 Dividend: 6/03/2025
• Dividend Payable: 6/17/2025
• Today: 7/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:LOB
• CIK: 1462120
• Web: www.liveoakbank.com
• Phone: (866) 518-0286
• Fax: 910-790-5868
• Employees: 960
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $41.33
• High Stock Price Target: $46.00
• Low Stock Price Target: $34.00
• Potential Upside/Downside: +28.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.30
• Trailing P/E Ratio: 22.26
• Forward P/E Ratio: 13.97
• P/E Growth: N/A
• Net Income: $77.47 million
• Net Margins: 7.10%
• Pretax Margin: 10.28%
• Return on Equity: 6.88%
• Return on Assets: 0.55%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.93
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $498.34 million
• Price / Sales: 2.95
• Cash Flow: $2.10 per share
• Price / Cash Flow: 15.40
• Book Value: $20.23 per share
• Price / Book: 1.60

Miscellaneous

• Outstanding Shares: 45,608,000
• Free Float: 34,389,000
• Market Cap: $1.47 billion
• Optionable: Optionable
• Beta: 1.85