Live Oak Bancshares stock rating reiterated at Outperform by KBW on Apiture gain

Published 20/08/2025, 12:44
Live Oak Bancshares stock rating reiterated at Outperform by KBW on Apiture gain

Investing.com - Keefe, Bruyette & Woods (KBW) has reiterated an Outperform rating and $43.00 price target on Live Oak Bancshares (NYSE:LOB).

The firm highlighted that the Apiture acquisition will generate a solid gain for the bank, estimating it will increase tangible book value per share by 1.5%-2.0%.

KBW projects this gain will contribute to total tangible book value per share growth of approximately 23% through the fourth quarter of 2026, significantly outpacing the median bank growth of 14%.

Apiture represents one of Live Oak’s largest investments and follows previous venture capital gains from Finxact in the second quarter of 2022 after its sale to Fiserv (NYSE:FI), and Payrailz in the third quarter of 2022 following its acquisition by JKHY.

The research firm had upgraded Live Oak Bancshares to Outperform just one day earlier, citing the bank as "one of the best compounders of TBV/sh among all U.S. banks," partly due to its successful venture capital portfolio strategy.

In other recent news, Live Oak Bancshares announced a cash dividend of $0.03 per share for its Voting Common Stock and a dividend of $0.23845 per depositary share for its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock. The dividends are scheduled for payment on September 15, 2025. The company also expects a pre-tax gain estimated between $20 million and $25 million from the acquisition of Apiture, Inc. by Computer Services Inc. Live Oak Bancshares holds an investment in Apiture and will receive a portion of the merger consideration. Additionally, Keefe, Bruyette & Woods upgraded Live Oak Bancshares from Market Perform to Outperform, citing several positive catalysts expected to drive the bank’s shares higher through the remainder of 2025. In corporate governance, Jeffrey W. Lunsford has been appointed to the board of directors, bringing three decades of technology leadership experience. Furthermore, Live Oak Bancshares priced an underwritten offering of 4,000,000 depositary shares, each representing a 1/40th interest in a share of its preferred stock, with dividends payable quarterly at a rate of 8.375% per annum.

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