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Live Oak Bancshares, Inc. (LOB)

34.47 -0.60 (-1.71%)
At close: October 30 at 4:00:02 PM EDT
34.47 0.00 (0.00%)
After hours: October 30 at 4:01:19 PM EDT
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Chart Range Bar
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  • Previous Close 35.07
  • Open 35.17
  • Bid 34.31 x 10000
  • Ask 34.37 x 20000
  • Day's Range 34.29 - 35.27
  • 52 Week Range 29.36 - 44.53
  • Volume 173,935
  • Avg. Volume 231,310
  • Market Cap (intraday) 1.599B
  • Beta (5Y Monthly) 1.94
  • PE Ratio (TTM) 12.27
  • EPS (TTM) 2.81
  • Earnings Date (est.) Jan 20, 2027
  • Forward Dividend & Yield 0.12 (0.35%)
  • 1y Target Est 40.50
  • Zacks Rating Neutral

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.

www.liveoak.bank

1,027

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Recent News

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Performance Overview

Trailing total returns as of 10/30/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

LOB
0.59%
S&P 500 (^GSPC)
10.73%

1-Year Return

LOB
9.41%
S&P 500 (^GSPC)
11.11%

3-Year Return

LOB
20.02%
S&P 500 (^GSPC)
81.91%

5-Year Return

LOB
60.71%
S&P 500 (^GSPC)
64.59%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 175.65M
Earnings 24.26M
Profit Margin 13.81%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
50M
100M
150M
15.0%
20.0%
25.0%

Analyst Insights

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Analyst Price Targets

38.00
40.50 Average
34.47 Current
42.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/26/2026
Analyst TD Cowen
Rating Action Maintains
Rating Buy
Price Action Lowers
Price Target 44 -> 41

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    26.44%

  • Return on Assets (ttm)

    0.88%

  • Return on Equity (ttm)

    11.06%

  • Revenue (ttm)

    527.26M

  • Net Income Avi to Common (ttm)

    131.02M

  • Diluted EPS (ttm)

    2.81

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    1.1B

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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