LOB — Live Oak Bancshares, Inc. stock price, charts and financials

QT68Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. (NYSE: LOB) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.

Latest market price
43.76
+0.96+2.24%
OverviewShort InterestFilings
LOBQT68Live Oak Bancshares, Inc.·NYSE
43.76+2.24%
TA
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Signal & projected range
Insider selling clusterHistorical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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STEL+0.03%$39.32NBHC+0.00%$43.19CHCO+0.26%$145.49GABC+0.43%$51.10STBA+0.44%$52.38CASH+2.84%$90.75TCBK+0.87%$58.04SRCE+0.86%$90.51
Snapshot
Index-P/E14.86EPS (ttm)2.88Insider Own12.35%Shs Outstand46.26MPerf Week1.71%
Market Cap1.98BForward P/E10.19EPS next Y4.20Insider Trans-5.75%Shs Float35.98MPerf Month2.42%
Enterprise Value2.67BPEG0.11EPS next Q0.79Inst Own-Short Float5.53%Perf Quarter13.83%
Income137.41MP/S1.83EPS this Y8.87%Inst Trans-Short Ratio7.81Perf Half Y8.35%
Sales1.08BP/B1.51EPS next Y35.90%ROA0.86%Short Interest1.99MPerf YTD24.60%
Book/sh-P/C14.08EPS next 5Y35.90%ROE10.91%52W High44.83 -2.39%Perf Year33.04%
Cash/sh-P/FCF15.70EPS past 3/5Y-17.27% 9.20%ROIC0.86%52W Low30.02 45.78%Perf 3Y19.69%
Dividend Est.0.12 (0.27%)EV/EBITDA12.15Sales past 3/5Y26.93% 22.46%Gross Margin50.46%Volatility2.65% 2.63%Perf 5Y-29.05%
Dividend TTM0.12 (0.27%)EV/Sales2.47EPS Y/Y TTM68.05%Oper. Margin18.75%ATR (14)1.14Perf 10Y203.98%
Dividend Ex-DateJun 02, 2026Quick Ratio0.00Sales Y/Y TTM16.15%Profit Margin12.73%RSI (14)58.76Recom2.40
Dividend Gr. 3/5Y0.00% 0.00%Current Ratio0.00EPS Q/Q45.10%SMA201.93%Beta1.86Target Price42.50
Payout7.75%Debt/Eq0.08Sales Q/Q5.84%SMA506.99%Rel Volume0.76Prev Close42.80
Employees1,027LT Debt/Eq0.08EarningsOct 28SMA20017.04%Avg Volume255.30KPrice43.76
IPO DateJul 23, 2015Option/ShortYes / YesEPS/Sales Surpr.9.36% 0.66%Net Debt/EBITDA3.15Volume192,955Change2.24%
Analyst Ratings
DateActionAnalystRatingTarget
Jul-15-26ReiteratedCantor FitzgeraldNeutral$42 → $44
Apr-27-26ReiteratedPiper SandlerNeutral$35 → $41
Oct-24-25ReiteratedPiper SandlerNeutral$46 → $35
Sep-24-25InitiatedTD CowenBuy$50
Sep-09-25InitiatedCantor FitzgeraldNeutral$42
Aug-19-25UpgradeKeefe, Bruyette & WoodsMarket Perform → Outperform
Jul-29-24ReiteratedPiper SandlerNeutral$46
Jul-08-24ReiteratedTruist SecuritiesBuy$37 → $38
Oct-05-23UpgradeJP MorganNeutral → Overweight
Apr-28-23UpgradeJP MorganUnderweight → Neutral
Latest News
Jul-27-26
Jul-27-2611:06AM
TD Cowen Maintains Buy on Live Oak Bancshares, Raises Price Target to $49Benzinga
Jul-23-26
Jul-23-2605:09PM
Live Oak Bancshares Q2 Earnings Call Highlightsmarketbeat.com
02:40PM
Live Oak Bancshares, Inc. (LOB) Q2 2026 Earnings Call Transcriptseekingalpha.com
Jul-22-26
Jul-22-2609:03PM
Live Oak Bancshares (NYSE:LOB) Hits the Mark with a Strong Earnings BeatChartMill
07:31PM
Live Oak Bancshares (LOB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimateszacks.com
06:56PM
Live Oak Bancshares (LOB) Q2 Earnings and Revenues Surpass Estimateszacks.com
04:15PM
Live Oak Bancshares, Inc. Reports Second Quarter 2026 Resultsglobenewswire.com
Jul-15-26
Jul-15-2611:19AM
Cantor Fitzgerald Maintains Neutral on Live Oak Bancshares, Raises Price Target to $44Benzinga
Jul-14-26
Jul-14-2601:01PM
What Makes Live Oak Bancshares (LOB) a Strong Momentum Stock: Buy Now?zacks.com
Jul-08-26
Jul-08-2604:15PM
Live Oak Bancshares, Inc. Announces Date of Second Quarter 2026 Financial Resultsglobenewswire.com
01:01PM
All You Need to Know About Live Oak Bancshares (LOB) Rating Upgrade to Buyzacks.com
Jul-06-26
Jul-06-2601:14PM
Live Oak Bancshares Has Too Many Issues For My Liking (Downgrade)SeekingAlpha
Jun-29-26
Jun-29-2606:15PM
What to Know About a $336,000 Live Oak Bancshares Insider Sale With Shares Up Nearly 40% This Past Yearfool.com
04:15PM
Live Oak Bank Appoints Matthew S. Diffley as Chief Accounting Officerglobenewswire.com
Company

Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
Line Item (USD, M)
TTM
—
FY 2025
12/31/2025
FY 2024
12/31/2024
FY 2023
12/31/2023
FY 2022
12/31/2022
FY 2021
12/31/2021
FY 2020
12/31/2020
FY 2019
12/31/2019
FY 2018
12/31/2018
Total Revenue1,0791,041929777509506378290253
Cost of Goods Sold Incl. D&A5355385333941588013410360
Gross Profit544503397382351427244186193
Selling, General and Administrative Excl. Other251254205204191137124109100
Research and Development
000000000
Other Operating Expense918810295-5079735447
Operating Income2031618983210211472346
Interest Expense46346043634311764948855
Unusual Expense
—————————
Non-Operating Income (Expense)46346043634311764948855
Net Income Before Taxes2031618983210211472346
Income Taxes65571293444-125-5
Consolidated Net Income1381047774176167601851
Net Income From Continuing Operations1371047774176167601851
Net Income1381047774176167601851
EPS (Recurring)2.882.241.721.674.023.871.460.451.28
EPS (Basic, Before Extraordinaries)2.882.241.721.674.023.871.460.451.28
EPS (Diluted)2.842.221.691.643.923.711.430.441.24
EBITDA220185113104231232694362
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio15.4115.4723.4027.747.7023.5333.1943.2011.94
Price To Sales Ratio1.871.521.922.582.617.425.152.622.34
Gross Margin50.4248.3242.7349.1668.9684.3964.5564.1476.28
Operating Margin18.8115.479.5810.6841.2641.7012.437.9318.18
Net Margin12.799.998.299.5234.5833.0015.876.2120.16
Shares Outstanding464645444443414040
Market Capitalization2,0131,5801,7802,0021,3293,7531,946760592
Operating Lease Expense
—————————
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Insider Trading Volume
$46.21$40.75$35.28$29.81$24.35● Close Price0.00M0.81M1.61M2.42M3.22MUSD Trades VolumeAugSepOctNovDec2026FebMarAprMayJunJulAug
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Moroz Mark MichaelChief Banking OfficerJul 28 '26Sale42.086,100256,67012,110Jul 29
LUCHT DAVID GDirectorJul 27 '26Sale42.133,000126,39615,623Jul 29
WILLIAMS WILLIAM L. IIIDirectorJul 01 '26Sale41.618,400349,5061,122,526Jul 06
WILLIAMS WILLIAM L. IIIDirectorJun 24 '26Sale40.058,400336,4541,130,926Jun 25
MAHAN JAMES S IIIChief Executive OfficerJun 11 '26Sale38.1910,000381,8512,847,844Jun 12
MAHAN JAMES S IIIChief Executive OfficerJun 10 '26Sale38.7310,000387,3212,857,844Jun 12
MAHAN JAMES S IIIChief Executive OfficerJun 04 '26Sale37.2610,000372,6312,867,844Jun 05
MAHAN JAMES S IIIChief Executive OfficerJun 03 '26Sale36.4710,000364,6712,877,844Jun 05
MAHAN JAMES S IIIChief Executive OfficerMay 28 '26Sale37.2510,000372,4812,887,844May 29
MAHAN JAMES S IIIChief Executive OfficerMay 27 '26Sale37.6510,000376,5132,897,844May 29
MAHAN JAMES S IIIChief Executive OfficerMay 21 '26Sale37.0910,000370,9162,907,844May 26
Moroz Mark MichaelChief Banking OfficerMay 20 '26Option Exercise0.007,117021,373May 21
MAHAN JAMES S IIIChief Executive OfficerMay 20 '26Sale36.8410,000368,3692,917,844May 21
Lunsford Jeffrey WDirectorMay 01 '26Option Exercise0.001,890012,640May 21
MAHAN JAMES S IIIChief Executive OfficerMay 14 '26Sale36.2310,000362,2602,927,844May 18
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.