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

Company Overview

Live Oak Bancshares, Inc. is a bank holding company based in Wilmington, North Carolina, and the parent of Live Oak Banking Company and Live Oak Bank. The company specializes in small business and commercial lending, offering a suite of financing solutions that includes U.S. Small Business Administration (SBA) 7(a) and 504 loans, equipment finance, commercial real estate loans, and industry-specific lending programs. Live Oak Bancshares combines a digital-first banking platform with a team of lending specialists to serve customers across all 50 states.

Founded in 2008 and headquartered in Wilmington, Live Oak Bancshares was chartered by the Office of the Comptroller of the Currency to focus on underserved small business sectors. The company leverages proprietary technology and data analytics to streamline loan origination and portfolio management, enabling faster credit decisions and enhanced risk management. Live Oak’s digital infrastructure also supports deposit products—including interest-bearing checking and savings accounts, money market deposit accounts, and certificates of deposit—alongside treasury management services designed for business clients.

Live Oak Bancshares completed its initial public offering on the Nasdaq exchange in 2018 under the ticker symbol LOB. Since then, the company has continued to expand its product offering through strategic fintech partnerships and by entering new industry niches such as veterinary, dental and legal finance. The organization is led by an experienced management team with deep expertise in banking, technology and small business finance, positioning Live Oak Bancshares as a digital innovator in the community and commercial banking sector.

Key Stats

• Today's Range: $36.38 to $37.09
• 50-Day Range: $30.49 to $38.73
• 52-Week Range: $22.68 to $50.57
• Volume: 191,401 shs
• Average Volume: 289,426 shs
• Market Capitalization: $1.67 billion
• P/E Ratio: 25.23
• Dividend Yield: 0.33%
• Price Target: $43.75
• Consensus Rating: Moderate Buy

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 81% of companies evaluated by MarketBeat, and ranked 327th out of 956 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: Moderate Buy

Consensus Rating

Live Oak Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Live Oak Bancshares has a consensus price target of $43.75, representing about 19.6% upside from its current price of $36.58.

Amount of Analyst Coverage

Live Oak Bancshares has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 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 25.23, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 25.23, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.78.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.81. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for LOB.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Live Oak Bancshares has a dividend yield of 0.33%, 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 9.84%. 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

Short Interest

There is no current short interest data available for LOB.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.06

News Sentiment

Live Oak Bancshares has a news sentiment score of 1.06. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Live Oak Bancshares this week, compared to 5 articles on an average week.

Search Interest

Only 3 people have searched for LOB on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Live Oak Bancshares insiders have not sold or bought any 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 on January 1st, 2025. Since then, LOB stock has decreased by 7.5% and is now trading at $36.58.

How were Live Oak Bancshares' earnings last quarter?

Live Oak Bancshares, Inc. (NASDAQ:LOB) released its quarterly earnings data 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 analysts' expectations 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 (IPO) on Thursday, July 23rd 2015. The company issued 4,000,000 shares at $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 shareholders include Southernsun Asset Management LLC (1.97%), Geode Capital Management LLC (1.79%), Motley Fool Wealth Management LLC (0.80%) and CenterBook Partners LP (0.78%). Insiders that own company stock include Steve Smits, Miltom Emmett Petty, 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
• Record date for 9/15 Dividend: 9/02/2025
• Ex-Dividend for 9/15 Dividend: 9/02/2025
• Today: 9/14/2025
• Dividend Payable: 9/15/2025
• 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: 2008

Price Target and Rating

• Average Price Target for Live Oak Bancshares: $43.75
• High Price Target: $46.00
• Low Price Target: $42.00
• Potential Upside/Downside: +19.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.22
• Trailing P/E Ratio: 25.23
• Forward P/E Ratio: 15.84
• 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: $516.93 million
• Price / Sales: 3.24
• Cash Flow: $2.38 per share
• Price / Cash Flow: 15.40
• Book Value: $20.23 per share
• Price / Book: 1.81

Miscellaneous

• Outstanding Shares: 45,731,000
• Free Float: 34,389,000
• Market Cap: $1.67 billion
• Optionable: Optionable
• Beta: 1.75