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LOB

Live Oak Bancshares Inc

Feb 06 • 04:00PM ET

40.83

+0.59 1.47 %

Financial • Banks - Regional • USA • NYSE

Peers: JPM WFC BAC PYPL C ALLY XYZ COF DFS AXP

| Held by: VTI IWM KRE VB VXF VBK DFAT IWN SCHA VTWO

Scroll to Statements

Index	RUT	P/E	18.33	EPS (ttm)	2.23	Insider Own	22.97%	Shs Outstand	46.03M	Perf Week	2.18%
Market Cap	1.87B	Forward P/E	9.89	EPS next Y	4.13	Insider Trans	-0.97%	Shs Float	35.23M	Perf Month	14.50%
Enterprise Value	-	PEG	-	EPS next Q	0.58	Inst Own	69.51%	Short Float	5.30%	Perf Quarter	29.37%
Income	102.82M	P/S	1.82	EPS this Y	34.17%	Inst Trans	-1.32%	Short Ratio	5.48	Perf Half Y	33.69%
Sales	1.02B	P/B	1.63	EPS next Y	38.03%	ROA	0.75%	Short Interest	1.87M	Perf YTD	18.86%
Book/sh	25.06	P/C	-	EPS next 5Y	-	ROE	9.42%	52W High	42.89 -4.80%	Perf Year	16.09%
Cash/sh	-	P/FCF	7.79	EPS past 3/5Y	-17.17% 9.36%	ROIC	7.60%	52W Low	22.68 80.03%	Perf 3Y	17.63%
Dividend Est.	0.12 (0.29%)	EV/EBITDA	-	Sales past 3/5Y	23.83% 21.22%	Gross Margin	-	Volatility	4.35% 3.97%	Perf 5Y	3.00%
Dividend TTM	0.12 (0.29%)	EV/Sales	-	EPS Y/Y TTM	30.35%	Oper. Margin	12.31%	ATR (14)	1.49	Perf 10Y	186.73%
Dividend Ex-Date	Dec 02, 2025	Quick Ratio	-	Sales Y/Y TTM	8.53%	Profit Margin	10.03%	RSI (14)	61.32	Recom	2.20
Dividend Gr. 3/5Y	0.00% 0.00%	Current Ratio	1.70	EPS Q/Q	342.89%	SMA20	5.19%	Beta	1.94	Target Price	44.75
Payout	5.38%	Debt/Eq	0.08	Sales Q/Q	5.60%	SMA50	12.53%	Rel Volume	0.57	Prev Close	40.24
Employees	1008	LT Debt/Eq	0.08	Earnings	Jan 21 AMC	SMA200	23.56%	Avg Volume	340.76K	Price	40.83
IPO	Jul 23, 2015	Option/Short	Yes / Yes	EPS/Sales Surpr.	68.56% 14.95%	Trades		Volume	195,136	Change	1.47%

Date	Action	Analyst	Rating Change	Price Target Change
Sep-10-25	Initiated	Cantor Fitzgerald	Neutral	$42
Aug-19-25	Upgrade	Keefe Bruyette	Mkt Perform → Outperform	$43
Oct-05-23	Upgrade	JP Morgan	Neutral → Overweight	$40
Apr-28-23	Upgrade	JP Morgan	Underweight → Neutral	$25 → $26.50
Feb-27-23	Resumed	Raymond James	Mkt Perform
Dec-13-22	Downgrade	JP Morgan	Neutral → Underweight	$34 → $30
Jul-07-22	Downgrade	Raymond James	Outperform → Mkt Perform
Jul-01-22	Downgrade	JP Morgan	Overweight → Neutral	$58 → $41
Oct-29-21	Upgrade	JP Morgan	Neutral → Overweight	$70 → $95
Oct-07-21	Downgrade	Raymond James	Strong Buy → Outperform	$80
Apr-12-21	Initiated	JP Morgan	Neutral	$78
Dec-14-20	Initiated	Keefe Bruyette	Outperform	$56
Oct-26-20	Upgrade	Raymond James	Outperform → Strong Buy	$42
Sep-29-20	Initiated	Raymond James	Outperform	$27
Sep-09-20	Resumed	Piper Sandler	Neutral	$24
May-12-20	Downgrade	Itau BBA	Outperform → Market Perform
Dec-05-19	Upgrade	SunTrust	Hold → Buy
Dec-12-18	Upgrade	Sandler O'Neill	Hold → Buy
Dec-11-18	Downgrade	SunTrust	Buy → Hold
Jul-09-18	Downgrade	Sandler O'Neill	Buy → Hold

Show Previous Ratings

Jan-28-26 11:01PM	2 Reasons to Sell LOB and 1 Stock to Buy Instead (StockStory)
12:37AM	5 Insightful Analyst Questions From Live Oak Bancshares's Q4 Earnings Call (StockStory)
Jan-23-26 01:17PM	Live Oak Bancshares Stock Sees RS Rating Jump To 85 (Investor's Business Daily)
Jan-22-26 04:01PM	Live Oak Bancshares Inc (LOB) Q4 2025 Earnings Call Highlights: Record Loan Production and ... (GuruFocus.com)
01:08PM	Live Oak Bancshares Q4 Earnings Call Highlights (MarketBeat)
10:20AM	Loading…
10:20AM	LOB Q4 Deep Dive: Lending Momentum and Deposit Growth Drive Mixed Profitability (StockStory)
Jan-21-26 06:00PM	Live Oak Bancshares (LOB) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks) +6.24%
05:35PM	Live Oak Bancshares (LOB) Beats Q4 Earnings and Revenue Estimates (Zacks)
04:38PM	Live Oak Bancshares (NYSE:LOB) Reports Strong Q4 CY2025 (StockStory)
04:34PM	Live Oak Bancshares: Q4 Earnings Snapshot (Associated Press Finance)
04:15PM	Live Oak Bancshares, Inc. Reports Fourth Quarter 2025 Results (GlobeNewswire)
03:40PM	Why Live Oak Bancshares (LOB) Stock Is Trading Up Today (StockStory)
07:17AM	What To Expect From Live Oak Bancshares Inc (LOB) Q4 2025 Earnings (GuruFocus.com)
Jan-20-26 07:16AM	Live Oak Bancshares Inc (LOB) Q4 2025: Everything You Need to Know Ahead of Earnings (GuruFocus.com)
Jan-19-26 10:04PM	What To Expect From Live Oak Bancshares's (LOB) Q4 Earnings (StockStory)
09:15AM	Loading…
Jan-15-26 09:15AM	Countdown to Live Oak Bancshares (LOB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS (Zacks)
Jan-14-26 10:00AM	Live Oak Bancshares (LOB) Earnings Expected to Grow: Should You Buy? (Zacks)
Jan-07-26 04:15PM	Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2025 Financial Results (GlobeNewswire) +5.13%
Jan-04-26 10:36PM	Q3 Earnings Roundup: Live Oak Bancshares (NYSE:LOB) And The Rest Of The Regional Banks Segment (StockStory)
Dec-31-25 11:03PM	Live Oak Bancshares (LOB): Buy, Sell, or Hold Post Q3 Earnings? (StockStory)
Dec-28-25 11:02PM	2 Reasons to Like LOB (and 1 Not So Much) (StockStory)
Dec-01-25 04:01PM	Ewa M. Stasiowska Joins Live Oak Bank as Chief Risk Officer (GlobeNewswire)
Oct-29-25 01:35AM	The 5 Most Interesting Analyst Questions From Live Oak Bancshares's Q3 Earnings Call (StockStory)
Oct-24-25 09:56AM	LOB Q3 Deep Dive: Deposit Growth and AI Initiatives Meet Margin and Credit Challenges (StockStory)
01:00AM	Live Oak Bancshares Inc (LOB) Q3 2025 Earnings Call Highlights: Strong Loan Growth and ... (GuruFocus.com)
Oct-23-25 09:40AM	Are Investors Undervaluing F.N.B. (FNB) Right Now? (Zacks)
Oct-22-25 07:00PM	Live Oak Bancshares (LOB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks)
05:41PM	Live Oak Bancshares (NYSE:LOB) Posts Q3 Sales In Line With Estimates (StockStory)
05:40PM	Live Oak Bancshares (LOB) Misses Q3 Earnings and Revenue Estimates (Zacks)
04:41PM	Live Oak Bancshares: Q3 Earnings Snapshot (Associated Press Finance)
04:30PM	Loading…
04:30PM	Live Oak Bancshares, Inc. Reports Third Quarter 2025 Results (GlobeNewswire)
09:34AM	What To Expect From Live Oak Bancshares Inc (LOB) Q3 2025 Earnings (GuruFocus.com)
Oct-21-25 08:10AM	Capital City Bank (CCBG) Beats Q3 Earnings and Revenue Estimates (Zacks)
Oct-20-25 11:01PM	Live Oak Bancshares (LOB) To Report Earnings Tomorrow: Here Is What To Expect (StockStory)
Oct-16-25 03:01PM	Live Oak Bancshares, Lake City Bank, Independent Bank, Hilltop Holdings, and FirstSun Capital Bancorp Stocks Trade Down, What You Need To Know (StockStory) -8.17%
10:00AM	USCB Financial Holdings, Inc. (USCB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Oct-15-25 10:00AM	Live Oak Bancshares (LOB) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Oct-08-25 04:30PM	Live Oak Bancshares, Inc. Announces Date of Third Quarter 2025 Financial Results (GlobeNewswire)
Oct-06-25 04:30PM	Live Oak Bank Leads Nation in SBA 7(a) Lending Activity (GlobeNewswire)
Oct-02-25 12:34AM	1 Bank Stock Worth Your Attention and 2 Facing Challenges (StockStory)
Sep-09-25 02:01PM	Why Live Oak Bancshares (LOB) Shares Are Sliding Today (StockStory)
Sep-06-25 09:30AM	2 Stocks to Buy Before the Federal Reserve Cuts Interest Rates (Motley Fool)
Sep-02-25 03:56PM	Live Oak Bancshares (LOB) Stock Trades Down, Here Is Why (StockStory)
Aug-22-25 02:30PM	Live Oak Bancshares, Lake City Bank, Independent Bank, Hope Bancorp, and Fulton Financial Shares Are Soaring, What You Need To Know (StockStory) +7.76%
Aug-20-25 10:05AM	Live Oak Ventures announces investment in Cascading AI (TipRanks)
Aug-19-25 03:37PM	Why Is Live Oak Bancshares (LOB) Stock Soaring Today (StockStory)
10:00AM	Live Oak Ventures Participates in Financing of Cascading AI, Inc. (GlobeNewswire)
Aug-13-25 11:33PM	Regional Banks Stocks Q2 Teardown: Live Oak Bancshares (NYSE:LOB) Vs The Rest (StockStory)
Aug-12-25 04:15PM	Live Oak Bancshares Announces Appointment of Jeffrey W. Lunsford to Board of Directors (GlobeNewswire)
12:01AM	3 Reasons We Love Live Oak Bancshares (LOB) (StockStory)
Aug-11-25 10:13AM	Are Options Traders Betting on a Big Move in Live Oak Bancshares Stock? (Zacks)
Aug-04-25 04:15PM	Live Oak Bancshares, Inc. Closes Depositary Share Offering (GlobeNewswire)
Jul-30-25 01:30AM	The Top 5 Analyst Questions From Live Oak Bancshares's Q2 Earnings Call (StockStory)
Jul-28-25 05:36PM	Live Oak Bancshares, Inc. Prices Depositary Share Offering (GlobeNewswire)
Jul-25-25 09:26AM	LOB Q2 Deep Dive: Deposit Growth and Small Business Lending Drive Revenue Momentum (StockStory)
Jul-24-25 02:05PM	Why Live Oak Bancshares (LOB) Stock Is Trading Up Today (StockStory)
Jul-23-25 05:50PM	Live Oak Bancshares (LOB) Q2 Earnings Miss Estimates (Zacks)
05:01PM	Live Oak Bancshares (NYSE:LOB) Exceeds Q2 Expectations (StockStory)
04:48PM	Live Oak Bancshares: Q2 Earnings Snapshot (Associated Press Finance)
04:30PM	Live Oak Bancshares, Inc. Reports Second Quarter 2025 Results (GlobeNewswire)
09:45AM	Live Oak Bancshares Inc (LOB) Q2 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jul-22-25 09:29AM	Live Oak Bancshares Inc (LOB) Q2 2025 Earnings Report Preview: What To Look For (GuruFocus.com)
Jul-21-25 11:05PM	What To Expect From Live Oak Bancshares's (LOB) Q2 Earnings (StockStory)
Jul-16-25 12:06AM	3 Reasons We're Fans of Live Oak Bancshares (LOB) (StockStory)
Jul-09-25 08:30AM	Live Oak Bancshares, Inc. Announces Date of Second Quarter 2025 Financial Results (GlobeNewswire)
Jun-23-25 02:39PM	LOB Q1 Deep Dive: Loan Growth Offsets Provision Headwinds as SBA Rules Shift (StockStory)
May-08-25 08:00AM	Live Oak Bancshares Announces Appointment of Patrick T. McHenry to Board of Directors (GlobeNewswire)
May-06-25 10:03AM	Live Oak Bancshares (LOB) Fell Due To Credit Issues (Insider Monkey)
08:00AM	Live Oak Bank Announces $600,000 Grant in Support of Child Care Providers in New Hanover County (GlobeNewswire)
Apr-28-25 09:22AM	Live Oak Bancshares (LOB) Fell on Increased Loan Loss Provisions Amid Recession Concerns and Low-Rate Loans (Insider Monkey)
Apr-24-25 02:50PM	Live Oak Bancshares, Inc. (LOB) Q1 2025 Earnings Call Transcript (Seeking Alpha) +6.58%
Apr-23-25 07:30PM	Compared to Estimates, Live Oak Bancshares (LOB) Q1 Earnings: A Look at Key Metrics (Zacks)
05:50PM	Live Oak Bancshares (LOB) Q1 Earnings and Revenues Miss Estimates (Zacks)
04:30PM	Live Oak Bancshares, Inc. Reports First Quarter 2025 Results (GlobeNewswire)
Apr-16-25 09:25AM	Community Trust Bancorp (CTBI) Beats Q1 Earnings and Revenue Estimates (Zacks)
05:40AM	Live Oak Bancshares: Bank On It Today (Seeking Alpha)
Apr-09-25 09:00AM	Live Oak Bancshares, Inc. Announces Date of First Quarter 2025 Financial Results (GlobeNewswire) +10.96%
Mar-30-25 06:50AM	abrdn U.S. Small Cap Equity Fund Q4 2024 Commentary (Seeking Alpha)
Mar-28-25 12:00PM	abrdn Focused U.S. Small Cap Active ETF Q4 2024 Commentary (Seeking Alpha)
Feb-24-25 09:36AM	Do Options Traders Know Something About Live Oak Bancshares (LOB) Stock We Don't? (Zacks)
Feb-12-25 11:21AM	How Next-Gen Financial Advisors Are Raising Money to Buy Ownership Stakes Where They Work (Barrons.com)
Feb-06-25 10:00AM	Three Places to Get the Best Returns on Your Cash (The Wall Street Journal)
Jan-22-25 04:30PM	Live Oak Bancshares, Inc. Reports Fourth Quarter 2024 Results (GlobeNewswire) -13.96%
Jan-15-25 10:00AM	Live Oak Bancshares (LOB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Jan-08-25 08:00AM	Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2024 Financial Results (GlobeNewswire)
Dec-04-24 09:15AM	Live Oak Ventures Participates in Financing of Sunbound, Inc. (GlobeNewswire)
09:00AM	Sunbound Expands Reach with Live Oak Ventures Investment, Supporting Growth in Senior Living Sector (PR Newswire)
Nov-12-24 09:15AM	WARRIOR RISING ANNOUNCES ENHANCED CAPITAL READINESS CAPABILITY FOR VETERAN ENTREPRENEURS (PR Newswire)
Oct-23-24 04:30PM	Live Oak Bancshares, Inc. Reports Third Quarter 2024 Results (GlobeNewswire) -10.31%
Oct-21-24 10:00AM	Live Oak Ventures Participates in Financing of Synply, Inc. (GlobeNewswire)
Oct-09-24 11:30AM	Live Oak Bancshares, Inc. Announces Date of Third Quarter 2024 Financial Results (GlobeNewswire)
Sep-08-24 12:00PM	10 Best Local Bank Stocks To Invest In Now (Insider Monkey)
Aug-08-24 09:55AM	Does Live Oak Bancshares (LOB) Have the Potential to Rally 27.21% as Wall Street Analysts Expect? (Zacks)
Aug-05-24 12:45PM	3 Reasons Why Growth Investors Shouldn't Overlook Live Oak Bancshares (LOB) (Zacks)
Jul-24-24 09:53PM	LOB Stock Earnings: Live Oak Bancshares Beats EPS, Beats Revenue for Q2 2024 (InvestorPlace)
04:45PM	Live Oak Bancshares, Inc. Reports Second Quarter 2024 Results (GlobeNewswire)
Jul-17-24 10:01AM	Live Oak Bancshares (LOB) Earnings Expected to Grow: Should You Buy? (Zacks)
Jul-10-24 08:30AM	Live Oak Bancshares, Inc. Announces Date of Second Quarter 2024 Financial Results (GlobeNewswire)
Jun-27-24 04:45PM	Live Oak Bancshares Announces Michael J. Cairns to be Named as Chief Credit Officer as Steven J. Smits Will Take New Role as Head of Commercial Banking (GlobeNewswire)
Jun-03-24 08:00AM	Live Oak Bank Announces First Embedded Banking Partnership with Anatomy Financial, Inc. (GlobeNewswire)

Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. It operates through the following segments: Banking, Fintech, and Other. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments in emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2018 and is headquartered in Wilmington, NC.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
MAHAN JAMES S III	Chief Executive Officer	Feb 04 '26	Sale	41.90	10,000	418,958	3,057,844	Feb 06 05:09 PM
MAHAN JAMES S III	Chief Executive Officer	Feb 05 '26	Sale	40.21	10,000	402,115	3,047,844	Feb 06 05:09 PM
MAHAN JAMES S III	Officer	Feb 05 '26	Proposed Sale	40.21	10,000	402,140		Feb 05 04:26 PM
MAHAN JAMES S III	Officer	Feb 04 '26	Proposed Sale	41.01	10,000	410,100		Feb 04 02:22 PM
Stasiowska Ewa Maria	Chief Risk Officer	Jan 26 '26	Buy	38.53	2,595	99,999	2,595	Jan 28 04:42 PM
Spencer Courtney	Chief Experience Officer	Jan 26 '26	Option Exercise	13.59	14,000	190,260	34,860	Jan 28 04:42 PM
Spencer Courtney	Chief Experience Officer	Jan 26 '26	Sale	39.01	9,700	378,348	25,160	Jan 28 04:42 PM
Spencer Courtney	Officer	Jan 26 '26	Proposed Sale	39.00	9,700	378,346		Jan 26 02:56 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 19 '25	Sale	36.17	10,000	361,734	3,067,844	Dec 23 05:13 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 17 '25	Sale	35.97	10,000	359,699	3,077,844	Dec 19 05:03 PM
MAHAN JAMES S III	Officer	Dec 19 '25	Proposed Sale	36.18	10,000	361,759		Dec 19 04:31 PM
MAHAN JAMES S III	Officer	Dec 17 '25	Proposed Sale	35.97	10,000	359,724		Dec 17 04:22 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 12 '25	Sale	35.13	10,000	351,313	3,087,844	Dec 16 04:52 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 10 '25	Sale	34.33	10,000	343,283	3,097,844	Dec 12 05:00 PM
MAHAN JAMES S III	Officer	Dec 12 '25	Proposed Sale	35.49	10,000	354,900		Dec 12 02:44 PM
MAHAN JAMES S III	Officer	Dec 10 '25	Proposed Sale	34.33	10,000	343,307		Dec 10 04:28 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 05 '25	Sale	32.81	10,000	328,090	3,107,844	Dec 09 05:08 PM
MAHAN JAMES S III	Chief Executive Officer	Dec 03 '25	Sale	33.05	10,000	330,468	3,117,844	Dec 05 04:54 PM
MAHAN JAMES S III	Officer	Dec 05 '25	Proposed Sale	32.69	10,000	326,900		Dec 05 11:05 AM
MAHAN JAMES S III	Officer	Dec 03 '25	Proposed Sale	33.05	10,000	330,467		Dec 03 04:33 PM
MAHAN JAMES S III	Chief Executive Officer	Nov 26 '25	Sale	32.17	10,000	321,723	3,137,844	Dec 01 04:53 PM
MAHAN JAMES S III	Chief Executive Officer	Nov 28 '25	Sale	32.04	10,000	320,434	3,127,844	Dec 01 04:53 PM
MAHAN JAMES S III	Officer	Nov 28 '25	Proposed Sale	32.05	10,000	320,459		Nov 28 01:07 PM
MAHAN JAMES S III	Officer	Nov 26 '25	Proposed Sale	32.17	10,000	321,748		Nov 26 04:16 PM
Bradford Tonya Williams	Director	Nov 20 '25	Buy	30.24	1,000	30,240	6,697	Nov 24 04:53 PM
Seward Gregory W	General Counsel	Nov 18 '25	Option Exercise	14.55	12,000	174,600	108,877	Nov 20 05:44 PM
Seward Gregory W	General Counsel	Nov 19 '25	Option Exercise	14.55	1,500	21,825	107,326	Nov 20 05:44 PM
Seward Gregory W	General Counsel	Nov 19 '25	Sale	30.20	1,200	36,242	106,126	Nov 20 05:44 PM
Seward Gregory W	Officer	Nov 19 '25	Proposed Sale	30.20	1,200	36,242		Nov 19 11:22 AM
LUCHT DAVID G	Director	Aug 18 '25	Buy	25.12	4,000	100,499	4,000	Aug 20 04:13 PM
SUTHERLAND JOHN W.	Chief Accounting Officer	Jun 27 '25	Option Exercise	17.00	3,000	51,000	15,290	Jun 30 04:10 PM
Cameron William Henderson	Director	May 07 '25	Buy	26.10	5,000	130,500	16,904	May 08 08:08 PM
Cameron William Henderson	Director	May 06 '25	Buy	25.92	5,000	129,610	11,904	May 08 08:08 PM
Bradford Tonya Williams	Director	May 06 '25	Sale	26.51	2,500	66,275	5,697	May 08 08:08 PM
Davis Micah S	Officer	May 07 '25	Proposed Sale	26.10	7,519	196,238		May 07 10:36 AM
Bradford Tonya Williams	Director	May 06 '25	Proposed Sale	26.51	2,500	66,275		May 06 09:40 AM

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Live Oak Bancshares Inc

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