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

Company Overview

Live Oak Bancshares, Inc. is a bank holding company headquartered in Wilmington, North Carolina, and operates through its subsidiary Live Oak Banking Company. Founded in 2008, the company leverages a branchless, technology-driven platform to deliver specialty lending and deposit products across the United States. Live Oak Bancshares completed its initial public offering in February 2018 and trades on the NYSE under the ticker symbol LOB.

The company’s primary focus is on originating and servicing commercial loans for small businesses in select industry verticals. Key lending areas include healthcare practices such as dental, veterinary and medical offices, as well as franchise financing, fintech partnerships, and government‐guaranteed loan programs including SBA 7(a) and 504 loans. In addition to its lending capabilities, Live Oak offers equipment financing through its dedicated division, Live Oak Equipment Finance, and provides business deposit accounts, treasury management solutions and online banking services to support its clients’ day‐to‐day operations.

Live Oak Bancshares emphasizes scalability and efficiency through its proprietary digital infrastructure, which enables centralized underwriting, document management and portfolio monitoring. The firm serves a diversified national client base without relying on a traditional branch network. Leadership is led by founder and Chief Executive Officer Roy T. Morejon, whose background in fintech and banking has guided the company’s growth and specialization strategy. Live Oak Bancshares continues to pursue disciplined expansion within its niche markets, aiming to combine industry expertise with streamlined digital delivery.

Key Stats

• Today's Range: $34.31 to $35.31
• 50-Day Range: $30.55 to $38.74
• 52-Week Range: $22.68 to $50.30
• Volume: 146,334 shs
• Average Volume: 291,129 shs
• Market Capitalization: $1.58 billion
• P/E Ratio: 28.39
• Dividend Yield: 0.35%
• Price Target: N/A
• Consensus Rating: Buy

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 30% 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: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Live Oak Bancshares is 28.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 282.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 28.33, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 1,790.06.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.56. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.90% 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 increased by 8.92%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Live Oak Bancshares has a dividend yield of 0.34%, 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

4.90% 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 increased by 8.92%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: 0.21

News Sentiment

Live Oak Bancshares has a news sentiment score of 0.21. 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 0.72 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Live Oak Bancshares this week, compared to 3 articles on an average week.

Search Interest

Only 2 people have searched for LOB on MarketBeat in the last 30 days. This is a decrease of -50% 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 $33.93 on January 1st, 2025. Since then, LOB shares have increased by 1.9% and is now trading at $34.56.

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: 10/02/2025
• 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: 2008

Profitability

• EPS (Trailing Twelve Months): $1.22
• Trailing P/E Ratio: 28.34
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $77.47 million
• Net Margins: 5.71%
• Pretax Margin: 7.67%
• Return on Equity: 5.46%
• Return on Assets: 0.42%

Debt

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

Sales & Book Value

• Annual Sales: $936.15 million
• Price / Sales: 1.69
• Cash Flow: $2.17 per share
• Price / Cash Flow: 15.97
• Book Value: $22.12 per share
• Price / Book: 1.56

Miscellaneous

• Outstanding Shares: 45,730,000
• Free Float: 35,030,000
• Market Cap: $1.58 billion
• Optionable: N/A
• Beta: 1.81