Live Oak Bancshares (LOB) 주식 개요
는 미국에서 다양한 은행 상품과 서비스를 제공하는 Live Oak Banking Company의 은행 지주회사로 운영되고 있습니다. 자세히 보기
LOB Community Fair Values
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Analyst Price Targets
Live Oak Bancshares, Inc. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$40.73 |
| 52주 최고가 | US$44.53 |
| 52주 최저가 | US$29.36 |
| 베타 | 1.88 |
| 1개월 변동 | -2.26% |
| 3개월 변동 | 9.25% |
| 1년 변동 | 16.27% |
| 3년 변동 | 22.28% |
| 5년 변동 | -31.45% |
| IPO 이후 변동 | 113.58% |
최근 뉴스 및 업데이트
Recent updates
내러티브 업데이트 • Jul 24
LOB: Earnings Delivery And Credit Costs Will Shape Balanced Risk Reward
The analyst price target for Live Oak Bancshares has increased from $41 to $44 as analysts update their models around revenue growth, profit margin expectations and future P/E assumptions ahead of upcoming earnings. Analyst Commentary Recent research updates on Live Oak Bancshares reflect a mix of views, with some analysts refining their price targets ahead of upcoming earnings and reassessing expectations for revenue, margins and P/E assumptions.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 Alpha분석 기사 • 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...내러티브 업데이트 • 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.
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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
새로운 내러티브 • 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 Alpha주주 수익률
| LOB | US Banks | US 시장 | |
|---|---|---|---|
| 7D | -6.0% | -3.9% | -2.1% |
| 1Y | 16.3% | 21.8% | 18.8% |
수익률 대 산업: LOB은 지난 1년 동안 21.8%의 수익을 기록한 US Banks 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: LOB은 지난 1년 동안 18.8%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| LOB volatility | |
|---|---|
| LOB Average Weekly Movement | 4.0% |
| Banks Industry Average Movement | 3.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: LOB는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: LOB의 주간 변동성(4%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 2008 | 1,034 | Chip Mahan | www.liveoak.bank |
는 미국에서 다양한 은행 상품과 서비스를 제공하는 Live Oak Banking Company의 은행 지주회사로 운영되고 있습니다. 이 회사는 무이자 요구불 예금, 이자 수표, 머니마켓, 저축, 정기예금 등 다양한 예금 상품을 취급하고 있습니다. 또한 상업 및 산업 대출, 건설 및 개발 대출, 소유자 점유 및 비소유자 점유 담보 상업용 부동산 대출, 상업용 토지 대출도 제공합니다.
Live Oak Bancshares, Inc. 기초 지표 요약
| LOB 기초 통계 | |
|---|---|
| 시가총액 | US$1.89b |
| 순이익 (TTM) | US$132.33m |
| 매출 (TTM) | US$526.38m |
14.2x
주가수익비율(P/E)1.5x
주가순자산비율(P/B)LOB는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| LOB 손익계산서 (TTM) | |
|---|---|
| 매출 | US$526.38m |
| 매출원가 | US$0 |
| 총이익 | US$526.38m |
| 기타 비용 | US$394.05m |
| 순이익 | US$132.33m |
최근 보고된 실적
Jun 30, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 2.86 |
| 총이익률 | 100.00% |
| 순이익률 | 25.14% |
| 부채/자본 비율 | 7.6% |
LOB의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기배당
0.3%
현재 배당 수익률4%
배당 성향기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/08/20 06:56 |
| 종가 | 2026/08/20 00:00 |
| 수익 | 2026/06/30 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
Live Oak Bancshares, Inc.는 10명의 분석가가 다루고 있습니다. 이 중 5명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| David Rochester | Cantor Fitzgerald & Co. |
| Steven Alexopoulos | J.P. Morgan |
| Timothy Switzer | Keefe, Bruyette, & Woods |