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Live Oak Bancshares, Inc.NYSE:LOB Stock Report

Market Cap US$1.7b
Share Price
US$38.05
My Fair Value
US$38
0.1% overvalued intrinsic discount
1Y-9.5%
7D7.6%
Portfolio Value
View

Live Oak Bancshares, Inc.

NYSE:LOB Stock Report

Market Cap: US$1.7b

Live Oak Bancshares (LOB) Stock Overview

Operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. More details

LOB fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance1/6
Financial Health4/6
Dividends0/6

LOB Community Fair Values

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Live Oak Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Live Oak Bancshares
Historical stock prices
Current Share PriceUS$38.05
52 Week HighUS$50.57
52 Week LowUS$22.68
Beta1.83
1 Month Change12.14%
3 Month Change37.61%
1 Year Change-9.49%
3 Year Change2.23%
5 Year Change68.74%
Change since IPO99.53%

Recent News & Updates

LOB.PR.A: 8.375% Preferred Stock IPO From Live Oak Bancshares

Aug 15

Recent updates

LOB.PR.A: 8.375% Preferred Stock IPO From Live Oak Bancshares

Aug 15

Live Oak Bancshares: Bank On It Today

Apr 16

Live Oak Bancshares: Originations Reach Record Levels, But Net Charge-Offs Increase

Jan 24

Live Oak Bancshares: Loan Originations Spike, But Credit Risk Worries

Oct 28
User avatar

Innovative Lending And Technology Fuels Rapid Growth Amid Economic Shifts

Expansion into new verticals and ramping up small dollar SBA lending are significant for revenue growth, alongside investments in technology enhancing efficiency.

Live Oak Bancshares: CD Related Costs Could Become A Tailwind

Jul 26

Live Oak Bancshares: Time For A Downgrade

Dec 13

Live Oak Bancshares: Solid Deposit Growth, But Expensive Price

Sep 21

Live Oak Bancshares: Doubts About The Future

Jun 18

Shareholder Returns

LOBUS BanksUS Market
7D7.6%4.1%1.3%
1Y-9.5%25.8%16.2%

Return vs Industry: LOB underperformed the US Banks industry which returned 24.3% over the past year.

Return vs Market: LOB underperformed the US Market which returned 15.5% over the past year.

Price Volatility

Is LOB's price volatile compared to industry and market?
LOB volatility
LOB Average Weekly Movement4.9%
Banks Industry Average Movement3.8%
Market Average Movement6.5%
10% most volatile stocks in US Market17.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: LOB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: LOB's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20081,056Chip Mahanwww.liveoak.bank

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.

Live Oak Bancshares, Inc. Fundamentals Summary

How do Live Oak Bancshares's earnings and revenue compare to its market cap?
LOB fundamental statistics
Market capUS$1.72b
Earnings (TTM)US$56.07m
Revenue (TTM)US$406.00m
31.0x
P/E Ratio
1.6x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LOB income statement (TTM)
RevenueUS$406.00m
Cost of RevenueUS$0
Gross ProfitUS$406.00m
Other ExpensesUS$349.93m
EarningsUS$56.07m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)1.23
Gross Margin100.00%
Net Profit Margin13.81%
Debt/Equity Ratio10.1%

How did LOB perform over the long term?

See historical performance and comparison

Dividends

0.3%
Current Dividend Yield
10%
Payout Ratio

Does LOB pay a reliable dividends?

See LOB dividend history and benchmarks
When do you need to buy LOB by to receive an upcoming dividend?
Live Oak Bancshares dividend dates
Ex Dividend DateSep 02 2025
Dividend Pay DateSep 15 2025
Days until Ex dividend6 days
Days until Dividend pay date19 days

Does LOB pay a reliable dividends?

See LOB dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/26 23:43
End of Day Share Price 2025/08/26 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Live Oak Bancshares, Inc. is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Steven AlexopoulosJ.P. Morgan
Christopher McGrattyKeefe, Bruyette, & Woods
Timothy SwitzerKeefe, Bruyette, & Woods