Live Oak Bancshares Inc (LOB)

NYSE
Currency in USD
27.48
-0.70(-2.47%)
Real-time Data·
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
27.2527.77
52 wk Range
22.6850.57
Key Statistics
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Prev. Close
28.17
Open
27.67
Day's Range
27.25-27.77
52 wk Range
22.68-50.57
Volume
21.38K
Average Volume (3m)
378.98K
1-Year Change
-21.86%
Book Value / Share
22.54
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
31.50
Upside
+14.63%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins
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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
1017

Live Oak Bancshares Inc Earnings Call Summary for Q1/2025

  • Q1 2025 EPS of $0.21 missed $0.38 forecast; revenue of $126.11M below $131.45M estimate; stock rose 7.51% post-earnings
  • Record Q1 loan originations of $1.4B; net interest income exceeded $100M for first time; 5% quarter-over-quarter loan balance growth
  • Launched Live Oak Express; focusing on loan and deposit growth while cautious on credit due to economic uncertainty
  • Challenges: elevated interest rates, increased expenses, competitive funding market; maintaining dividend payments for 11 consecutive years
  • Analysts' price targets between $30-$36/share; company maintains low debt-to-equity ratio of 0.12 and Fair Value suggests undervaluation
Last Updated: 25/04/2025, 12:10 am
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Compare LOB to Peers and Sector

Metrics to compare
LOB
Peers
Sector
Relationship
P/E Ratio
20.9x11.3x8.9x
PEG Ratio
−0.510.070.03
Price/Book
1.2x0.9x1.0x
Price / LTM Sales
3.1x2.5x2.7x
Upside (Analyst Target)
13.4%12.8%12.0%
Fair Value Upside
Unlock−4.6%3.3%Unlock

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 31.50
(+14.63% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.32%
Dividend Yield
0.43%
Industry Median 4.25%
Annualised payout
0.12
Paid quarterly
5-Years Growth
-
Growth Streak

Earnings

Latest Release
Apr 23, 2025
EPS / Forecast
0.21 / 0.38
Revenue / Forecast
126.11M / 131.45M
EPS Revisions
Last 90 days

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FAQ

What Is the Live Oak Bancshares Inc (LOB) Stock Price Today?

The Live Oak Bancshares Inc stock price today is 27.48

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."

Does Live Oak Bancshares Inc Pay Dividends? What’s The Current Dividend Yield?

The Live Oak Bancshares Inc dividend yield is 0.43%.

What Is the Live Oak Bancshares Inc Market Cap?

As of today, Live Oak Bancshares Inc market cap is 1.21B.

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

The Live Oak Bancshares Inc EPS (TTM) is 1.32.

When Is the Next Live Oak Bancshares Inc Earnings Date?

Live Oak Bancshares Inc will release its next earnings report on 22 July 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 Sell.
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