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 banking products and services in the United States. It operates through two segments, Banking and Fintech. 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; financing for renewable energy application industry; wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Key Stats

• Today's Range: $26.41 to $27.19
• 50-Day Range: $23.10 to $30.08
• 52-Week Range: $22.68 to $50.57
• Volume: 257,306 shs
• Average Volume: 237,790 shs
• Market Capitalization: $1.24 billion
• P/E Ratio: 18.71
• Dividend Yield: 0.44%
• Price Target: $42.25
• Consensus Rating: Moderate Buy

Live Oak Bancshares Stock Analysis - MarketRank™

Live Oak Bancshares scored higher than 91% of companies evaluated by MarketBeat, and ranked 193rd out of 922 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: 3.3 / 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.

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: 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 18.71, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 22.20.

Price to Earnings Ratio vs. Sector

The P/E ratio of Live Oak Bancshares is 18.71, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.40.

Price to Book Value per Share Ratio

Live Oak Bancshares has a P/B Ratio of 1.34. 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 0.45%, 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

Short Interest

There is no current short interest data available for LOB.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.19

News Sentiment

Live Oak Bancshares has a news sentiment score of 1.19. 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 0.92 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 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 on January 1st, 2025. Since then, LOB shares have decreased by 31.4% and is now trading at $27.13.
View the best growth stocks for 2025 here.

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 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 IPO 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?

Top institutional shareholders of Live Oak Bancshares include Vanguard Group Inc. (5.83%), Diamond Hill Capital Management Inc. (2.34%), Charles Schwab Investment Management Inc. (0.62%) and CenterBook Partners LP (0.38%). 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 3/11 Dividend: 2/25/2025
• Ex-Dividend for 3/11 Dividend: 2/25/2025
• Dividend Payable: 3/11/2025
• Today: 5/10/2025
• 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: $42.25
• High Stock Price Target: $46.00
• Low Stock Price Target: $34.00
• Potential Upside/Downside: +55.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.30
• Trailing P/E Ratio: 18.71
• Forward P/E Ratio: 11.74
• 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: 2.48
• Cash Flow: $1.76 per share
• Price / Cash Flow: 15.40
• Book Value: $20.23 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 45,565,000
• Free Float: 34,389,000
• Market Cap: $1.24 billion
• Optionable: Optionable
• Beta: 1.84