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.
| Index | - | P/E | 13.47 | EPS (ttm) | 2.84 | Insider Own | 12.50% | Shs Outstand | 46.26M | Perf Week | -2.32% |
| Market Cap | 1.77B | Forward P/E | 9.06 | EPS next Y | 4.22 | Insider Trans | -5.56% | Shs Float | 35.99M | Perf Month | -10.21% |
| Enterprise Value | 941.54M | PEG | 0.38 | EPS next Q | 0.82 | Inst Own | - | Short Float | 5.55% | Perf Quarter | 0.68% |
| Income | 138.00M | P/S | 1.64 | EPS this Y | 9.79% | Inst Trans | - | Short Ratio | 7.82 | Perf Half Y | 20.25% |
| Sales | 1.08B | P/B | 1.34 | EPS next Y | 35.41% | ROA | 0.86% | Short Interest | 2.00M | Perf YTD | 11.35% |
| Book/sh | 28.47 | P/C | 1.91 | EPS next 5Y | 35.41% | ROE | 10.91% | 52W High | 44.53 -14.10% | Perf Year | 5.43% |
| Cash/sh | 20.06 | P/FCF | - | EPS past 3/5Y | -17.27% 9.20% | ROIC | 0.86% | 52W Low | 29.36 30.28% | Perf 3Y | 23.31% |
| Dividend Est. | 0.12 (0.31%) | EV/EBITDA | 4.17 | Sales past 3/5Y | 26.93% 22.46% | Gross Margin | 50.46% | Volatility | 2.42% 2.38% | Perf 5Y | -32.53% |
| Dividend TTM | 0.12 (0.31%) | EV/Sales | 0.87 | EPS Y/Y TTM | 68.05% | Oper. Margin | 18.75% | ATR (14) | 0.97 | Perf 10Y | 165.99% |
| Dividend Ex-Date | Sep 01, 2026 | Quick Ratio | 0.00 | Sales Y/Y TTM | 16.15% | Profit Margin | 12.73% | RSI (14) | 32.79 | Recom | 2.40 |
| Dividend Gr. 3/5Y | 0.00% 0.00% | Current Ratio | 0.00 | EPS Q/Q | 45.10% | SMA20 | -3.21% | Beta | 1.92 | Target Price | 43.00 |
| Payout | 9.28% | Debt/Eq | 0.08 | Sales Q/Q | 5.84% | SMA50 | -7.36% | Rel Volume | 0.79 | Prev Close | 38.16 |
| Employees | 1,027 | LT Debt/Eq | 0.08 | Earnings | Oct 28 | SMA200 | 0.69% | Avg Volume | 245.61K | Price | 38.25 |
| IPO Date | Jul 23, 2015 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 9.36% 0.66% | Net Debt/EBITDA | 3.06 | Volume | 194,283 | Change | 0.24% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-19-26 | Reiterated | Cantor Fitzgerald | Neutral | $44 → $45 |
| Jul-15-26 | Reiterated | Cantor Fitzgerald | Neutral | $42 → $44 |
| Apr-27-26 | Reiterated | Piper Sandler | Neutral | $35 → $41 |
| Oct-24-25 | Reiterated | Piper Sandler | Neutral | $46 → $35 |
| Sep-24-25 | Initiated | TD Cowen | Buy | $50 |
| Sep-09-25 | Initiated | Cantor Fitzgerald | Neutral | $42 |
| Aug-19-25 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Jul-29-24 | Reiterated | Piper Sandler | Neutral | $46 |
| Jul-08-24 | Reiterated | Truist Securities | Buy | $37 → $38 |
| Oct-05-23 | Upgrade | JP Morgan | Neutral → Overweight |
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.
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| 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 Revenue | 1,079 | 1,041 | 929 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 535 | 538 | 533 | — | — | — | — | — | — | |
| Gross Profit | 544 | 503 | 397 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 251 | 254 | 205 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 91 | 88 | 102 | — | — | — | — | — | — | |
| Operating Income | 203 | 161 | 89 | — | — | — | — | — | — | |
| Interest Expense | 463 | 460 | 436 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 463 | 460 | 436 | — | — | — | — | — | — | |
| Net Income Before Taxes | 203 | 161 | 89 | — | — | — | — | — | — | |
| Income Taxes | 65 | 57 | 12 | — | — | — | — | — | — | |
| Consolidated Net Income | 138 | 104 | 77 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 137 | 104 | 77 | — | — | — | — | — | — | |
| Net Income | 138 | 104 | 77 | — | — | — | — | — | — | |
| EPS (Recurring) | 2.88 | 2.24 | 1.72 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.88 | 2.24 | 1.72 | — | — | — | — | — | — | |
| EPS (Diluted) | 2.84 | 2.22 | 1.69 | — | — | — | — | — | — | |
| EBITDA | 226 | 185 | 113 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 13.47 | 15.47 | 23.40 | — | — | — | — | — | — | |
| Price To Sales Ratio | 1.63 | 1.52 | 1.92 | — | — | — | — | — | — | |
| Gross Margin | 50.42 | 48.32 | 42.73 | — | — | — | — | — | — | |
| Operating Margin | 18.81 | 15.47 | 9.58 | — | — | — | — | — | — | |
| Net Margin | 12.79 | 9.99 | 8.29 | — | — | — | — | — | — | |
| Shares Outstanding | 46 | 46 | 45 | — | — | — | — | — | — | |
| Market Capitalization | 1,760 | 1,580 | 1,780 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| MAHAN JAMES S III | Chief Executive Officer | Sep 10 '26 | Sale | 38.75 | 10,000 | 387,485 | 2,747,844 | Sep 11 |
| MAHAN JAMES S III | Chief Executive Officer | Sep 09 '26 | Sale | 38.63 | 10,000 | 386,312 | 2,757,844 | Sep 11 |
| WILLIAMS WILLIAM L. III | Director | Sep 03 '26 | Sale | 40.09 | 6,590 | 264,220 | 1,105,726 | Sep 08 |
| MAHAN JAMES S III | Chief Executive Officer | Sep 03 '26 | Sale | 39.75 | 10,000 | 397,466 | 2,767,844 | Sep 08 |
| Bradford Tonya Williams | Director | Sep 03 '26 | Sale | 39.89 | 1,600 | 63,824 | 8,043 | Sep 08 |
| WILLIAMS WILLIAM L. III | Director | Sep 02 '26 | Sale | 40.00 | 1,810 | 72,401 | 1,112,316 | Sep 03 |
| MAHAN JAMES S III | Chief Executive Officer | Sep 02 '26 | Sale | 39.54 | 10,000 | 395,412 | 2,777,844 | Sep 03 |
| MAHAN JAMES S III | Chief Executive Officer | Aug 27 '26 | Sale | 39.66 | 10,000 | 396,590 | 2,787,844 | Aug 28 |
| MAHAN JAMES S III | Chief Executive Officer | Aug 26 '26 | Sale | 39.99 | 10,000 | 399,878 | 2,797,844 | Aug 28 |
| Losch William C III | President | Aug 25 '26 | Option Exercise | 0.00 | 50,000 | 0 | 285,613 | Aug 26 |
| MAHAN JAMES S III | Chief Executive Officer | Aug 20 '26 | Sale | 40.53 | 10,000 | 405,283 | 2,807,844 | Aug 21 |
| MAHAN JAMES S III | Chief Executive Officer | Aug 19 '26 | Sale | 41.23 | 10,000 | 412,316 | 2,817,844 | Aug 21 |
| Cairns Michael | Chief Credit Officer | Aug 19 '26 | Option Exercise | 0.00 | 2,420 | 0 | 12,604 | Aug 21 |
| Phifer Walter J | Chief Financial Officer | Aug 18 '26 | Option Exercise | 0.00 | 2,916 | 0 | 13,019 | Aug 19 |
| MAHAN JAMES S III | Chief Executive Officer | Aug 13 '26 | Sale | 43.10 | 10,000 | 430,973 | 2,827,844 | Aug 14 |