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: $36.16 to $37.51
• 50-Day Range: $31.79 to $38.75
• 52-Week Range: $26.19 to $42.89
• Volume: 222,922 shs
• Average Volume: 226,271 shs
• Market Capitalization: $1.73 billion
• P/E Ratio: 14.35
• Dividend Yield: 0.32%
• Price Target: $44.40
• Consensus Rating: Hold

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 87% of companies evaluated by MarketBeat, and ranked 15th out of 91 stocks in the financial services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 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 $44.40, representing about 18.6% upside from its current price of $37.45.

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: 37.29%

Earnings Growth

Earnings for Live Oak Bancshares are expected to grow by 37.29% in the coming year, from $2.95 to $4.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Live Oak Bancshares is 14.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 14.35, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 15.88.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.46. 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

5.92% 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 8.51.

Change versus previous month

Short interest in Live Oak Bancshares has recently increased by 1.02%, indicating that investor sentiment is decreasing.

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 4.60%. 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 2.96% next year. This indicates that Live Oak Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.10

News Sentiment

Live Oak Bancshares has a news sentiment score of 1.10. 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 0.77 average news sentiment score of Financial Services companies.

News Coverage This Week

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

MarketBeat Follows

Only 1 people have added Live Oak Bancshares to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 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 $3,119,715.00 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 3/15 Dividend: 3/05/2026
• Ex-Dividend for 3/15 Dividend: 3/05/2026
• Dividend Payable: 3/15/2026
• Last Earnings: 4/22/2026
• Today: 5/22/2026
• Record date for 6/15 Dividend: 6/02/2026
• Ex-Dividend for 6/15 Dividend: 6/02/2026
• Dividend Payable: 6/15/2026
• Fiscal Year End: 12/31/2026

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: 1,077
• Year Founded: 2008

Price Target and Rating

• Average Price Target for Live Oak Bancshares: $44.40
• High Price Target: $50.00
• Low Price Target: $41.00
• Potential Upside/Downside: +18.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.61
• Trailing P/E Ratio: 14.35
• Forward P/E Ratio: 12.69
• P/E Growth: N/A
• Net Income: $105.87 million
• Net Margins: 11.79%
• Pretax Margin: 15.86%
• Return on Equity: 11.18%
• Return on Assets: 0.86%

Debt

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

Sales & Book Value

• Annual Sales: $561.04 million
• Price / Sales: 3.09
• Cash Flow: $2.99 per share
• Price / Cash Flow: 12.52
• Book Value: $25.62 per share
• Price / Book: 1.46

Miscellaneous

• Outstanding Shares: 46,262,000
• Free Float: 35,899,000
• Market Cap: $1.73 billion
• Optionable: N/A
• Beta: 1.92