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

Company Overview

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. 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; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Key Stats

• Today's Range: $30.56 to $31.40
• 50-Day Range: N/A
• 52-Week Range: $22.68 to $50.57
• Volume: 282,509 shs
• Average Volume: 257,994 shs
• Market Capitalization: $1.41 billion
• P/E Ratio: 25.34
• Dividend Yield: 0.39%
• Price Target: N/A
• Consensus Rating: N/A

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 29% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Live Oak Bancshares.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Live Oak Bancshares is 25.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 25.34, which means that it is trading at a more expensive P/E ratio than the Financial Services sector average P/E ratio of about 14.04.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.85% 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 6.

Change versus previous month

Short interest in Live Oak Bancshares has recently decreased by 8.15%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Live Oak Bancshares has a dividend yield of 0.37%, 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%.

Sustainability and ESG

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

Percentage of Shares Shorted

4.85% 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 6.

Change versus previous month

Short interest in Live Oak Bancshares has recently decreased by 8.15%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Live Oak Bancshares this week, compared to 0 articles on an average week.

Search Interest

4 people have searched for LOB on MarketBeat in the last 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 $33.93 on January 1st, 2025. Since then, LOB stock has decreased by 8.9% and is now trading at $30.92.

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.

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.

Company Calendar

• Today: 8/02/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Financial Services
• Industry: State Commercial Banks – Fed Reserve System
• Sub-Industry: Banking
• Current Symbol: NYSE:LOB
• Previous Symbol: NYSE:LOB
• CIK: 1462120
• Web: N/A
• Phone: (910) 790-5867
• Fax: 910-790-5868
• Employees: 1,052
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.22
• Trailing P/E Ratio: 25.34
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $77.47 million
• Net Margins: 5.71%
• Pretax Margin: 8.39%
• Return on Equity: 5.53%
• Return on Assets: 0.43%

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: 2.73
• Cash Flow: $2.16 per share
• Price / Cash Flow: 14.33
• Book Value: $22.12 per share
• Price / Book: 1.40

Miscellaneous

• Outstanding Shares: 45,608,000
• Free Float: 34,936,000
• Market Cap: $1.41 billion
• Optionable: N/A
• Beta: 1.84