Live Oak Bancshares, Inc.

NYSE:LOB Stock Report

Market Cap: US$1.2b

Live Oak Bancshares Future Growth

Future criteria checks 5/6

Live Oak Bancshares is forecast to grow earnings and revenue by 54.5% and 27.9% per annum respectively while EPS is expected to grow by 53.8% per annum.

Key information

54.5%

Earnings growth rate

53.8%

EPS growth rate

Banks earnings growth7.8%
Revenue growth rate27.9%
Future return on equityn/a
Analyst coverage

Low

Last updated25 Apr 2025

Recent future growth updates

Recent updates

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
author-image

Innovative Lending And Technology Fuels Rapid Growth Amid Economic Shifts

Sep 24 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

Earnings and Revenue Growth Forecasts

NYSE:LOB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2026670160N/AN/A2
12/31/202556697N/AN/A2
3/31/202539960N/AN/AN/A
12/31/202440377487536N/A
9/30/202440684469536N/A
6/30/2024427111431500N/A
3/31/2024409101494553N/A
12/31/202339174573620N/A
9/30/202337260443476N/A
6/30/202337563309342N/A
3/31/202348214292127N/A
12/31/202250817681124N/A
9/30/202253920576113N/A
6/30/20225181964777N/A
3/31/20224481625174N/A
12/31/2021439167-123-120N/A
9/30/2021396166-133-111N/A
6/30/2021385166-331-310N/A
3/31/2021305107-227-206N/A
12/31/202024060-282-261N/A
9/30/202022937-434-425N/A
6/30/20201907-324-314N/A
3/31/20201818-505-480N/A
12/31/201918818-520-483N/A
9/30/201917422-541-487N/A
6/30/201917732-308-230N/A
3/31/201918841-143-60N/A
12/31/201819851N/A6N/A
9/30/2018273113N/A113N/A
6/30/2018264111N/A-117N/A
3/31/2018252107N/A-216N/A
12/31/2017241100N/A-288N/A
9/30/201716334N/A-304N/A
6/30/201715225N/A-234N/A
3/31/201713515N/A-236N/A
12/31/201612814N/A-222N/A
9/30/201612014N/A-243N/A
6/30/201611013N/A-327N/A
3/31/201611217N/A-379N/A
12/31/201510621N/A-335N/A
9/30/20159417N/A-374N/A
6/30/20159115N/A-348N/A
3/31/20158118N/A-284N/A
12/31/20147210N/A-262N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: LOB's forecast earnings growth (54.5% per year) is above the savings rate (2.8%).

Earnings vs Market: LOB's earnings (54.5% per year) are forecast to grow faster than the US market (14.1% per year).

High Growth Earnings: LOB's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: LOB's revenue (27.9% per year) is forecast to grow faster than the US market (8.2% per year).

High Growth Revenue: LOB's revenue (27.9% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if LOB's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/28 01:04
End of Day Share Price 2025/04/28 00:00
Earnings2025/03/31
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