Live Oak Bancshares (LOB) Panoramica del titolo
Live Oak Bancshares, Inc. opera come holding bancaria per Live Oak Banking Company, che fornisce vari prodotti e servizi bancari negli Stati Uniti. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 4/6 |
| Crescita futura | 5/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 4/6 |
| Dividendi | 0/6 |
LOB Community Fair Values
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Analyst Price Targets
Concorrenti di Live Oak Bancshares, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$42.65 |
| Massimo di 52 settimane | US$43.85 |
| Minimo di 52 settimane | US$29.36 |
| Beta | 1.88 |
| Variazione di 1 mese | 6.95% |
| Variazione a 3 mesi | 13.95% |
| Variazione di 1 anno | 31.11% |
| Variazione a 3 anni | 17.43% |
| Variazione a 5 anni | -30.96% |
| Variazione dall'IPO | 123.65% |
Notizie e aggiornamenti recenti
Recent updates
Seeking Alpha • Jul 06
Live Oak Bancshares Has Too Many Issues For My Liking (Downgrade)
Summary Live Oak Bancshares has outperformed the S&P 500, but its valuation is now stretched and asset quality lags peers. Deposits and loans have grown, with only 17% of deposits uninsured, signaling a favorable risk profile on that front. Net profits surged to $27.9 million in Q1, but LOB trades at a 17.2x P/E, well above preferred and peer levels. I downgrade LOB to a 'Sell' due to expensive valuation, subpar return metrics, and concerning credit quality. Read the full article on Seeking AlphaArticolo di analisi • Jun 20
Live Oak Bancshares (LOB) Stock Could Be 14.5% Undervalued After Accounting Leadership Change
Live Oak Bancshares (LOB) has drawn investor attention after announcing that Chief Accounting Officer J. Wesley Sutherland is stepping down. Chief Financial Officer Walter J. Phifer will take on interim Principal Accounting Officer duties. See our latest analysis for Live Oak Bancshares. At a share price of $38.26, Live Oak Bancshares has seen a 20.13% 90 day share price return and a 37.79% 1 year total shareholder return, suggesting momentum has been building as investors weigh executive...
Aggiornamento narrativa • Jun 15
LOB: Net Interest Margins And Credit Costs Will Shape Balanced Risk Reward
Analysts now set a fair value target of $41.00 for Live Oak Bancshares, an increase of $1.00 that reflects updated views on revenue growth, profit margins, and future P/E assumptions following recent price target adjustments across the Street. Analyst Commentary Recent Street research on Live Oak Bancshares has been mixed, with some price targets raised and others trimmed.
Aggiornamento narrativa • Jun 01
LOB: Execution And Earnings Quality Will Support Future P/E Rerating
Analysts have nudged their average price target on Live Oak Bancshares slightly lower, trimming it by a few dollars as they factor in new views on revenue growth, profitability, and future P/E assumptions, reflected across recent target changes from $4 cuts to modest $1 raises. Analyst Commentary Recent Street research on Live Oak Bancshares shows a mix of trimmed and raised price targets, with analysts fine tuning their views around revenue trends, profitability, and P/E assumptions rather than making wholesale changes to their stance on the stock.Aggiornamento narrativa • May 08
LOB: Execution And Refined Street Views Will Support Future P/E Upside
Analysts now see fair value for Live Oak Bancshares at $47.00, down $4.00 from $51.00. This reflects updated views on growth, profitability and P/E assumptions following mixed price target moves across the Street.Aggiornamento narrativa • Apr 21
LOB: SBA Execution And Refining Street Views Will Support Future P/E Re-Rating
Analysts have kept the fair value estimate for Live Oak Bancshares steady at $51.00, while modestly adjusting underlying assumptions such as revenue growth, profit margin, and future P/E to reflect recent mixed Street research that included a $2 price target reduction from one firm and a $4 increase from another. Analyst Commentary Street research on Live Oak Bancshares has been mixed, with one firm trimming its price target by $2 and another lifting its target by $4.
Aggiornamento narrativa • Apr 07
LOB: Lower Charge Offs And Consistent Assumptions Will Support Higher Future P/E
Analysts have adjusted their outlook on Live Oak Bancshares, resulting in a net $2 change in the average price target. This reflects updated views on revenue growth, profit margins and future P/E assumptions.Aggiornamento narrativa • Mar 24
LOB: Lower Charge Offs And Steady Forecasts Will Support Higher Future P/E
Analysts have trimmed their average price target on Live Oak Bancshares by $2, reflecting a mix of more cautious and more optimistic views that balance recent adjustments from different firms. Analyst Commentary Recent commentary around Live Oak Bancshares reflects a split view, with some analysts lifting targets while others are trimming them by a few dollars.Aggiornamento narrativa • Mar 09
LOB: Charge Off Improvement Will Support Higher Future P/E Multiple
The new analyst price target for Live Oak Bancshares has shifted to $44.75 from $42, reflecting updated views on fair value, discount rate, growth, margins, and future P/E following mixed recent Street research on the name. Analyst Commentary Recent research on Live Oak Bancshares reflects a split view on how the current fundamentals and valuation stack up, which is why you are seeing both price target increases and reductions clustered in a tight range.Aggiornamento narrativa • Feb 23
LOB: SBA Execution And Mixed Street Views Will Support Future P/E Re-Rating
Analysts have made mixed adjustments to their price targets on Live Oak Bancshares, with one firm raising its target by $4 and another lowering it by $2, reflecting updated views on the company’s growth, profitability, and valuation assumptions. Analyst Commentary Bullish analysts point to the recent price target increase as a sign of growing confidence in Live Oak Bancshares’ ability to execute on its business model and support a higher valuation over time.Aggiornamento narrativa • Feb 09
LOB: SBA Execution And P/E Re-Rating Will Support Future Earnings
Analysts now set a new price target of US$51.00 for Live Oak Bancshares, up US$1.00, reflecting updated views on fair value, discount rate, revenue, profit margin and future P/E based on recent Street research. Analyst Commentary Recent Street research on Live Oak Bancshares shows a mix of views on fair value, with price targets being adjusted in both directions as analysts refresh their models for discount rates, revenue assumptions, profit margins and future P/E.Aggiornamento narrativa • Jan 25
LOB: Higher Multiple And Credit Trends Will Shape Balanced Risk Reward
Narrative Update: Live Oak Bancshares Price Target Shift Analysts have lifted their price target on Live Oak Bancshares from US$35 to US$40, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E that are reflected in recent Street research. Analyst Commentary Even with the higher US$40 price target, bearish analysts are flagging several risks that they believe could limit upside if execution or market conditions do not line up with current assumptions.Aggiornamento narrativa • Jan 10
LOB: SBA Leadership And Shutdown Readiness Will Support Future Earnings
Analysts have trimmed their price target on Live Oak Bancshares to US$35 from US$37, citing stable credit metrics and preparation for potential government shutdown related pressure on gain-on-sale revenue, even as they reassess revenue growth, profit margin, and future P/E assumptions in their models. Analyst Commentary Bullish analysts are highlighting that Live Oak Bancshares delivered results that exceeded expectations, which supports their decision to maintain a balanced stance on valuation while adjusting price targets.Aggiornamento narrativa • Dec 26
LOB: SBA Leadership And Prepared Shutdown Planning Will Support Future Upside
Analysts modestly raised their fair value estimate for Live Oak Bancshares from $43.00 to $50.00 per share, reflecting confidence in the bank's leading SBA franchise and resilient credit performance, despite slightly lower long term growth and margin assumptions, as well as near term revenue risks tied to a potential government shutdown. Analyst Commentary Bullish analysts acknowledge near term headwinds but emphasize that Live Oak Bancshares' core franchise remains intact, with recent results reinforcing confidence in earnings durability and risk management.Aggiornamento narrativa • Dec 12
LOB: Government Shutdown Risks Will Shape GoS Revenue And Credit Outlook
Analysts have trimmed their price target on Live Oak Bancshares to $35.00 from $37.00. This change reflects slightly higher discount rate assumptions and modestly softer long term growth and margin expectations, despite the company’s solid recent earnings beat and relatively stable credit metrics.Aggiornamento narrativa • Sep 26
Digital Banking And AI Will Define Future Banking Trends
Analysts have raised their price target for Live Oak Bancshares from $38 to $42, citing expectations for improved credit performance, accelerating loan growth in the second half of 2025, easing regulatory concerns, and potential M&A activity as key catalysts supporting a more favorable outlook. Analyst Commentary Bullish analysts expect credit performance to improve in the second half of 2025, which should alleviate prior investor concerns tied to the recent SBA credit cycle.Aggiornamento narrativa • Aug 19
Digital Banking And AI Will Define Future Banking Trends
Analysts have raised their outlook on Live Oak Bancshares due to improving SBA credit performance expectations and enhanced confidence in credit stability and earnings prospects, resulting in a higher consensus price target of $38.00. Analyst Commentary Bullish analysts anticipate a positive turnaround in SBA credit performance during the second half of 2025, which should alleviate ongoing investor concerns.Seeking Alpha • Apr 16
Live Oak Bancshares: Bank On It Today
Summary Live Oak Bancshares, Inc. shows resilience amid macroeconomic uncertainties with stable topline performance, strategic expansion, and prudent asset management, making it a buy. Despite potential risks like trade wars and inflation, LOB's well-diversified loan portfolio and solid capital adequacy position it well for market volatility. LOB's current valuation is attractive, trading at a lower P/E ratio than its five-year average, indicating significant upside potential. Technical indicators suggest weak momentum, but the stock's oversold condition and strategic portfolio diversification hint at a potential rebound. Read the full article on Seeking AlphaSeeking Alpha • Jan 24
Live Oak Bancshares: Originations Reach Record Levels, But Net Charge-Offs Increase
Summary Live Oak Bancshares' Q4 2024 results show mixed performance with high net charge-offs and expensive deposits, despite strong loan originations and increased deposits. The bank's cost of funds remains high at 4.03%, significantly above peers, indicating weak bargaining power over customers and fragile deposit quality. The Company's net interest margin is deteriorating, but the potential refinancing of CDs at lower rates could improve profitability. Despite being undervalued at 1.82x TBV, LOB's rising net charge-offs and weak deposits justify maintaining a hold rating rather than a buy. Read the full article on Seeking AlphaSeeking Alpha • Oct 28
Live Oak Bancshares: Loan Originations Spike, But Credit Risk Worries
Summary Live Oak Bancshares' stock dropped 18.82% post-Q3 2024 results, likely due to profit-taking and unmet high expectations despite strong loan demand and profitability. Q3 2024 highlights include a 50% QoQ jump in loan production, 8.86% average yield on new loans, and a sustainable loan-to-deposit ratio. Concerns include rising loan payment delays and potential short-term margin compression due to the timing mismatch in rate adjustments between loans and CDs. Maintain a hold rating due to timing issues in balance sheet adjustments and rising overdue loans, despite strong loan demand and optimistic management outlook. Read the full article on Seeking Alpha
Nuova narrativa • Sep 24
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.Seeking Alpha • Jul 26
Live Oak Bancshares: CD Related Costs Could Become A Tailwind
Summary Live Oak Bancshares stock had a total return of 76% since my last article, which was totally unexpected. Q2 2024 results showed strong loan growth and solid deposit base for LOB. Management's aggressive borrowing strategy and high Price/TBV ratio lead to a hold rating for LOB stock. Read the full article on Seeking AlphaRendimenti per gli azionisti
| LOB | US Banks | US Mercato | |
|---|---|---|---|
| 7D | -2.4% | -0.6% | -2.0% |
| 1Y | 31.1% | 20.8% | 15.1% |
Ritorno vs Industria: LOB ha superato il US Banks che ha restituito 20.8 % nell'ultimo anno.
Rendimento vs Mercato: LOB ha superato il mercato US che ha restituito 15.1 % nell'ultimo anno.
Volatilità dei prezzi
| LOB volatility | |
|---|---|
| LOB Average Weekly Movement | 4.1% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: LOB non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 4% ) di LOB è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2008 | 1,034 | Chip Mahan | www.liveoak.bank |
Live Oak Bancshares, Inc. opera come holding bancaria per Live Oak Banking Company, che fornisce vari prodotti e servizi bancari negli Stati Uniti. La società accetta vari prodotti di deposito, tra cui depositi a vista non fruttiferi, depositi a vista fruttiferi, depositi nel mercato monetario, depositi a risparmio e depositi a tempo. Offre anche prestiti commerciali e industriali, prestiti per la costruzione e lo sviluppo, prestiti immobiliari commerciali collaterali occupati dal proprietario e non occupati dal proprietario e prestiti immobiliari commerciali.
Live Oak Bancshares, Inc. Riepilogo dei fondamenti
| LOB statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$1.90b |
| Utili (TTM) | US$132.33m |
| Ricavi(TTM) | US$526.38m |
14.9x
Rapporto P/E1.6x
Rapporto P/BLOB è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| LOB Conto economico (TTM) | |
|---|---|
| Ricavi | US$526.38m |
| Costo del fatturato | US$0 |
| Profitto lordo | US$526.38m |
| Altre spese | US$394.05m |
| Utili | US$132.33m |
Ultimi utili riportati
Jun 30, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 2.86 |
| Margine lordo | 100.00% |
| Margine di profitto netto | 25.14% |
| Rapporto debito/patrimonio netto | 7.6% |
Come si è comportato LOB nel lungo periodo?
Vedi performance storica e confrontoDividendi
0.3%
Rendimento attuale del dividendo2%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/23 00:01 |
| Prezzo dell'azione a fine giornata | 2026/07/23 00:00 |
| Utili | 2026/06/30 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Live Oak Bancshares, Inc. è coperta da 10 analisti. 5 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| David Rochester | Cantor Fitzgerald & Co. |
| Steven Alexopoulos | J.P. Morgan |
| Timothy Switzer | Keefe, Bruyette, & Woods |