Live Oak Bancshares Future Growth

Future criteria checks 3/6

Live Oak Bancshares is forecast to grow earnings and revenue by 18.5% and 18.4% per annum respectively. EPS is expected to grow by 17.3% per annum. Return on equity is forecast to be 12.5% in 3 years.

Key information

18.5%

Earnings growth rate

17.3%

EPS growth rate

Banks earnings growth	8.3%
Revenue growth rate	18.4%
Future return on equity	12.5%
Analyst coverage	Low
Last updated	27 Jun 2024

Recent future growth updates

Recent updates

Live Oak Bancshares GAAP EPS of $0.04 misses by $0.37, revenue of $104.97M misses by $7.04M

Jan 25

Live Oak Bancshares: Slow Down Ahead But Topline Growth Likely To Remain Positive

Jan 19

Live Oak Bancshares (NYSE:LOB) Ticks All The Boxes When It Comes To Earnings Growth

Jan 09

Live Oak Bancshares, Inc. Just Beat Revenue Estimates By 27%

Oct 30

Elpha secure raises $20M in series A funding led by Canapi Ventures

Oct 06

Live Oak Bank named lending partner for finance auto platform Ramp

Sep 07

Live Oak Bancshares goes ex-dividend tomorrow

Sep 01

Live Oak Bancshares Q2 2022 Earnings Preview

Jul 26

Is Now The Time To Put Live Oak Bancshares (NASDAQ:LOB) On Your Watchlist?

Jul 15

Earnings and Revenue Growth Forecasts

NYSE:LOB - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	682	168	N/A	N/A	1
12/31/2025	592	130	N/A	N/A	4
12/31/2024	503	90	N/A	N/A	4
3/31/2024	409	101	494	553	N/A
12/31/2023	391	74	573	620	N/A
9/30/2023	372	60	443	476	N/A
6/30/2023	375	63	309	342	N/A
3/31/2023	482	142	92	127	N/A
12/31/2022	508	176	81	124	N/A
9/30/2022	539	205	76	113	N/A
6/30/2022	518	196	47	77	N/A
3/31/2022	448	162	51	74	N/A
12/31/2021	439	167	-123	-120	N/A
9/30/2021	396	166	-133	-111	N/A
6/30/2021	385	166	-331	-310	N/A
3/31/2021	305	107	-227	-206	N/A
12/31/2020	240	60	-282	-261	N/A
9/30/2020	229	37	-434	-425	N/A
6/30/2020	190	7	-324	-314	N/A
3/31/2020	181	8	-505	-480	N/A
12/31/2019	188	18	-520	-483	N/A
9/30/2019	174	22	-541	-487	N/A
6/30/2019	177	32	-308	-230	N/A
3/31/2019	188	41	-143	-60	N/A
12/31/2018	198	51	-105	6	N/A
9/30/2018	273	113	-28	113	N/A
6/30/2018	264	111	-239	-117	N/A
3/31/2018	252	107	-344	-216	N/A
12/31/2017	241	100	N/A	-288	N/A
9/30/2017	163	34	N/A	-304	N/A
6/30/2017	152	25	N/A	-234	N/A
3/31/2017	135	15	N/A	-236	N/A
12/31/2016	128	14	N/A	-222	N/A
9/30/2016	120	14	N/A	-243	N/A
6/30/2016	110	13	N/A	-327	N/A
3/31/2016	112	17	N/A	-379	N/A
12/31/2015	106	21	N/A	-335	N/A
9/30/2015	94	17	N/A	-374	N/A
6/30/2015	91	15	N/A	-348	N/A
3/31/2015	81	18	N/A	-284	N/A
12/31/2014	72	10	N/A	-262	N/A
12/31/2013	56	28	N/A	-44	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: LOB's forecast earnings growth (18.5% per year) is above the savings rate (2.4%).

Earnings vs Market: LOB's earnings (18.5% per year) are forecast to grow faster than the US market (14.8% per year).

High Growth Earnings: LOB's earnings are forecast to grow, but not significantly.

Revenue vs Market: LOB's revenue (18.4% per year) is forecast to grow faster than the US market (8.7% per year).

High Growth Revenue: LOB's revenue (18.4% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: LOB's Return on Equity is forecast to be low in 3 years time (12.5%).

Live Oak Bancshares Future Growth

Future criteria checks 3/6

Key information

Recent future growth updates

Price target decreased by 9.6% to US$42.25

Consensus EPS estimates fall by 10%

Price target increased by 8.8% to US$46.25

Price target increased by 9.2% to US$38.75

Consensus EPS estimates increase by 27%

Consensus EPS estimates increase by 14%

Recent updates

Live Oak Bancshares, Inc. Announces Michael J. Cairns to Be Named as Chief Credit Officer as Steven J. Smits Will Take New Role as Head of Commercial Banking

First quarter dividend of US$0.03 announced

Price target decreased by 9.6% to US$42.25

Live Oak Bancshares, Inc. Reports Net Charge Offs for the First Quarter Ended March 31, 2024

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Now 21% undervalued after recent price drop

Live Oak Bancshares, Inc. to Report Q1, 2024 Results on Apr 24, 2024

Live Oak Bancshares, Inc., Annual General Meeting, May 21, 2024

Chief Accounting Officer recently sold US$427k worth of stock

Chief Accounting Officer notifies of intention to sell stock

Independent Director notifies of intention to sell stock

Insufficient new directors

Full year 2023 earnings: EPS misses analyst expectations

Upcoming dividend of US$0.03 per share

Insider exercised options and sold US$343k worth of stock

Fourth quarter dividend of US$0.03 announced

Consensus EPS estimates fall by 10%

Full year 2023 earnings: EPS misses analyst expectations

Live Oak Bancshares, Inc. Reports Net Charge-Offs for the Third Quarter Ended December 31, 2023

Price target increased by 8.8% to US$46.25

Live Oak Bancshares, Inc. to Report Q4, 2023 Results on Jan 24, 2024

Price target increased by 9.2% to US$38.75

Live Oak Bancshares: Time For A Downgrade

Chief Credit Officer recently sold US$897k worth of stock

Chief Credit Officer notifies of intention to sell stock

Chief Accounting Officer recently sold US$670k worth of stock

Upcoming dividend of US$0.03 per share at 0.4% yield

Chief Accounting Officer notifies of intention to sell stock

Live Oak Bancshares Announces Executive Changes

Insider recently sold US$591k worth of stock

Insider notifies of intention to sell stock

Consensus EPS estimates increase by 27%

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Live Oak Bancshares, Inc. to Report Q3, 2023 Results on Oct 26, 2023

Live Oak Bancshares: Solid Deposit Growth, But Expensive Price

Live Oak Bancshares, Inc. Declares Cash Dividend, Payable on September 19, 2023

Now 22% undervalued

Consensus EPS estimates increase by 14%

Price target increased by 39% to US$37.75

New minor risk - Profit margin trend

Second quarter 2023 earnings: EPS and revenues exceed analyst expectations

Live Oak Bancshares, Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2023

Live Oak Bancshares, Inc. to Report Q2, 2023 Results on Jul 25, 2023

Price target increased by 7.2% to US$28.00

Live Oak Bancshares, Inc.(NYSE:LOB) dropped from Russell 2000 Growth Index

Live Oak Bancshares: Doubts About The Future

Now 21% undervalued

New minor risk - Share price stability

Investor sentiment improves as stock rises 18%

Upcoming dividend of US$0.03 per share at 0.5% yield

Live Oak Bancshares, Inc. Declares Cash Dividend, Payable on June 21, 2023

Director recently bought US$100k worth of stock

First quarter 2023 earnings: EPS and revenues miss analyst expectations

Consensus EPS estimates fall by 12%

Price target decreased by 9.8% to US$29.75

Investor sentiment deteriorates as stock falls 17%

Now 20% undervalued

Full year 2022 earnings: EPS and revenues miss analyst expectations

Upcoming dividend of US$0.03 per share at 0.3% yield

Now 21% undervalued after recent price drop

Investor sentiment improves as stock rises 22%

Full year 2022 earnings: EPS and revenues miss analyst expectations

Live Oak Bancshares GAAP EPS of $0.04 misses by $0.37, revenue of $104.97M misses by $7.04M

Live Oak Bancshares: Slow Down Ahead But Topline Growth Likely To Remain Positive

Live Oak Bancshares, Inc. to Report Q4, 2022 Results on Jan 25, 2023

Live Oak Bancshares (NYSE:LOB) Ticks All The Boxes When It Comes To Earnings Growth

Price target decreased to US$35.00

Upcoming dividend of US$0.03 per share

Live Oak Bancshares, Inc. Declares Cash Dividend, Payable on December 13, 2022