Live Oak Bancshares Inc (LOB)

Currency in USD
31.05
+0.51(+1.67%)
Closed·
After Hours
31.050.00(0.00%)
·
LOB Scorecard
Full Analysis
2 analysts have revised their earnings downwards for the upcoming period
LOB is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
30.2931.22
52 wk Range
22.6850.57
Key Statistics
Prev. Close
30.54
Open
30.51
Day's Range
30.29-31.22
52 wk Range
22.68-50.57
Volume
183.81K
Average Volume (3m)
241.07K
1-Year Change
-21.91%
Book Value / Share
23.3
Fair Value
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Fair Value Upside
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LOB Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
35.00
Upside
+12.72%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

Live Oak Bancshares Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Buy
Technical Indicators
Strong Buy
Moving Averages
Neutral

Live Oak Bancshares Inc Company Profile

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. It operates through two segments: Banking and Fintech. 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; 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 incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Sector
Financial
Employees
1056

Live Oak Bancshares Inc Earnings Call Summary for Q2/2025

  • Q2 2025 EPS of $0.51 beat $0.50 forecast; revenue of $143.7M exceeded $139.25M estimate; stock rose 2.35% after hours
  • Record Q2 loan originations of $1.5B; revenue up 20% YoY; net interest income increased 9% QoQ; loan growth ~3% and deposits ~6% QoQ
  • Annual loan growth guidance of 12-20%; $3.8B loan pipeline indicates strong future growth; focus on optimizing deposit pricing
  • Executives highlighted strong demand in solar and senior housing sectors; expressed confidence in nearing end of small business credit cycle
  • Risks include interest rate fluctuations, economic downturns, increased competition, regulatory changes, and technology dependence
Last Updated: 24/07/2025, 15:46
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Compare LOB to Peers and Sector

Metrics to compare
LOB
Peers
Sector
Relationship
P/E Ratio
25.3x10.9x9.5x
PEG Ratio
−0.500.080.03
Price/Book
1.3x1.0x1.0x
Price / LTM Sales
3.5x2.5x2.8x
Upside (Analyst Target)
12.7%23.2%13.3%
Fair Value Upside
Unlock−5.8%1.6%Unlock

Analyst Ratings

0 Buy
3 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 35.00
(+12.72% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.24%
Dividend Yield
0.39%
Industry Median 3.46%
Annualised payout
0.12
Paid quarterly
5-Years Growth
-
Growth Streak

Earnings

Latest Release
Jul 23, 2025
EPS / Forecast
0.51 / 0.50
Revenue / Forecast
143.70M / 139.25M
EPS Revisions
Last 90 days

LOB Income Statement

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FAQ

What Stock Exchange Does Live Oak Bancshares Inc Trade On?

Live Oak Bancshares Inc is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Live Oak Bancshares Inc?

The stock symbol for Live Oak Bancshares Inc is "LOB."

What Is the Live Oak Bancshares Inc Market Cap?

As of today, Live Oak Bancshares Inc market cap is 1.38B.

What Is Live Oak Bancshares Inc's Earnings Per Share (TTM)?

The Live Oak Bancshares Inc EPS (TTM) is 1.24.

When Is the Next Live Oak Bancshares Inc Earnings Date?

Live Oak Bancshares Inc will release its next earnings report on 21 Oct 2025.

From a Technical Analysis Perspective, Is LOB a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Live Oak Bancshares Inc Stock Split?

Live Oak Bancshares Inc has split 0 times.

How Many Employees Does Live Oak Bancshares Inc Have?

Live Oak Bancshares Inc has 1056 employees.

What is the current trading status of Live Oak Bancshares Inc (LOB)?

As of 08 Aug 2025, Live Oak Bancshares Inc (LOB) is trading at a price of 31.05, with a previous close of 30.54. The stock has fluctuated within a day range of 30.29 to 31.22, while its 52-week range spans from 22.68 to 50.57.
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