LOB Share Price Performance
US$31.85
4.12 (14.86%)
28.8% undervalued intrinsic discount
US$44.75
Fair Value
Price US$31.85
AnalystConsensusTarget US$44.75
AnalystHighTarget US$51.00
AnalystLowTarget US$40.00
Fair ValueUS$44.75
Share Pricen/a
Live Oak Bancshares, Inc. Stock Price
- 3 Narratives written by author
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- 6 Fair Values set on narratives written by author
LOB Community Narratives
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Fair Value US$44.75 28.8% undervalued intrinsic discount
Digital Banking And AI Will Define Future Banking Trends
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Fair Value US$51 37.5% undervalued intrinsic discount
Digital Transformation And Small Business Formation Will Power Banking Momentum
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Fair Value US$40 20.4% undervalued intrinsic discount
Fintech Competition And Rising Regulatory Costs Will Hinder Outlook
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Digital Banking And AI Will Define Future Banking Trends
Key Takeaways Expansion of digital products and technology investments supports growth, operational efficiency, and strengthens competitiveness in tech-enabled small business banking. Diversification into new verticals and consistent leadership in government-guaranteed lending enhance revenue stability and position the company for resilient, above-industry growth.Read more
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AN
US$44.75
28.8% undervalued intrinsic discount
Fair Value
Revenue
23.27% p.a.
Profit Margin
26.98%
Future PE
10.82x
Price in 2029
US$54.67
Digital Transformation And Small Business Formation Will Power Banking Momentum
Key Takeaways Digital-first strategy and advanced tech adoption position Live Oak for superior margin expansion, scalable efficiencies, and faster customer growth than traditional banks. Leadership in government-backed small business lending and deep fintech partnerships set the stage for outsize loan growth, resilient revenue streams, and increased wallet share.Read more
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AN
US$51
37.5% undervalued intrinsic discount
Fair Value
Revenue
25.37% p.a.
Profit Margin
26.8%
Future PE
11.56x
Price in 2029
US$62
Fintech Competition And Rising Regulatory Costs Will Hinder Outlook
Key Takeaways Intensifying competition from fintech and tech firms, along with rapid technological change, threatens Live Oak's market position and investment returns. Heightened regulatory, compliance, and funding risks increase costs, while reliance on government-backed lending exposes profits to shifting policy and economic conditions.Read more
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AN
US$40
20.4% undervalued intrinsic discount
Fair Value
Revenue
22.96% p.a.
Profit Margin
27.9%
Future PE
9.22x
Price in 2029
US$48.6
Trending Discussion
Recently Updated Narratives
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LOB: Charge Off Improvement Will Support Higher Future P/E Multiple
Fair Value: US$44.75 28.8% undervalued intrinsic discount
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AN
LOB: SBA Execution And Mixed Street Views Will Support Future P/E Re-Rating
Fair Value: US$51 37.5% undervalued intrinsic discount
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LOB: Higher Multiple And Credit Trends Will Shape Balanced Risk Reward
Fair Value: US$40 20.4% undervalued intrinsic discount
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Snowflake Analysis
Live Oak Bancshares, Inc. Key Details
About LOB
- Founded
- 2008
- Employees
- 1034
- CEO
- WebsiteView website
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. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides 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 offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic 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 founded in 2008 and is headquartered in Wilmington, North Carolina.
