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LOB

Live Oak Bancshares Inc

Sep 15 • 04:00PM ET

36.41

-0.12 -0.33 %

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	29.80	EPS (ttm)	1.22	Insider Own	23.72%	Shs Outstand	45.69M	Perf Week	-4.08%
Market Cap	1.67B	Forward P/E	11.37	EPS next Y	3.20	Insider Trans	0.11%	Shs Float	34.88M	Perf Month	5.57%
Enterprise Value	-	PEG	0.79	EPS next Q	0.59	Inst Own	67.62%	Short Float	4.51%	Perf Quarter	30.74%
Income	56.07M	P/S	1.69	EPS this Y	18.34%	Inst Trans	2.80%	Short Ratio	5.89	Perf Half Y	27.22%
Sales	987.17M	P/B	1.57	EPS next Y	60.13%	ROA	0.44%	Short Interest	1.57M	Perf YTD	-7.94%
Book/sh	23.27	P/C	-	EPS next 5Y	37.57%	ROE	5.54%	52W High	50.57 -28.00%	Perf Year	-12.75%
Cash/sh	-	P/FCF	2.52	EPS past 3/5Y	-23.01% 30.94%	ROIC	4.79%	52W Low	22.68 60.54%	Perf 3Y	5.08%
Dividend Est.	0.12 (0.33%)	EV/EBITDA	-	Sales past 3/5Y	25.81% 26.76%	Gross Margin	-	Volatility	2.36% 2.69%	Perf 5Y	61.11%
Dividend TTM	0.12 (0.33%)	EV/Sales	-	EPS Y/Y TTM	-50.08%	Oper. Margin	8.72%	ATR (14)	0.99	Perf 10Y	93.88%
Dividend Ex-Date	Sep 02, 2025	Quick Ratio	-	Sales Y/Y TTM	10.13%	Profit Margin	5.68%	RSI (14)	52.62	Recom	2.50
Dividend Gr. 3/5Y	0.00% 0.00%	Current Ratio	1.92	EPS Q/Q	-13.62%	SMA20	-1.94%	Beta	1.84	Target Price	39.33
Payout	7.10%	Debt/Eq	0.10	Sales Q/Q	10.85%	SMA50	6.43%	Rel Volume	0.91	Prev Close	36.53
Employees	1008	LT Debt/Eq	0.10	Earnings	Jul 23 AMC	SMA200	10.95%	Avg Volume	267.13K	Price	36.41
IPO	Jul 23, 2015	Option/Short	Yes / Yes	EPS/Sales Surpr.	2.00% 3.23%	Trades		Volume	242,153	Change	-0.33%

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

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)
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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)
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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)
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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)
May-15-24 12:14AM	Bank OZK (OZK) Fell on Fewer Rate Cut Expectations (Insider Monkey)
May-14-24 11:51PM	Live Oak Bancshares (LOB) Gave Back Some of its 2023 Gains (Insider Monkey)
12:19PM	Do You Think WNS (Holdings) Limited (WNS) Has Favourable Outlook? (Insider Monkey)
Apr-26-24 03:16AM	Live Oak Bancshares Inc (LOB) (Q1 2024) Earnings Call Transcript Highlights: Key Financial ... (GuruFocus.com)
Apr-24-24 04:30PM	Live Oak Bancshares, Inc. Reports First Quarter 2024 Results (GlobeNewswire) -14.02%
Apr-17-24 10:01AM	Live Oak Bancshares (LOB) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Apr-10-24 09:00AM	Live Oak Bancshares, Inc. Announces Date of First Quarter 2024 Financial Results (GlobeNewswire) -8.59%
Feb-21-24 04:16AM	Live Oak Bancshares (LOB): The Top Performer of SouthernSun Small Cap Strategy in Q4 (Insider Monkey)
Feb-14-24 08:00AM	Live Oak Ventures Participates in Financing of Anatomy Financial (GlobeNewswire)
Feb-06-24 12:58AM	Live Oak Bancshares (LOB) Rose After the Fed's November Meeting (Insider Monkey)
Jan-27-24 08:48AM	Live Oak Bancshares, Inc. (NASDAQ:LOB) Q4 2023 Earnings Call Transcript (Insider Monkey)
Jan-24-24 07:00PM	Live Oak Bancshares (LOB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks) -5.18%
04:30PM	Live Oak Bancshares, Inc. Reports Fourth Quarter 2023 Results (GlobeNewswire)
Jan-23-24 07:25AM	Countdown to Live Oak Bancshares (LOB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS (Zacks)
Jan-10-24 08:30AM	Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2023 Financial Results (GlobeNewswire)
Jan-09-24 11:33AM	Stiegler EdTech Announces Grant from Live Oak Bank to Expand its Newly Launched Varsity Esports & STEM League to Eastern NC (PR Newswire)
Dec-15-23 08:43AM	Live Oak Bancshares (LOB) Moves 10.9% Higher: Will This Strength Last? (Zacks)
Nov-20-23 08:45AM	Live Oak Bank Tops SBA's 100 Most Active 7(a) Lenders (GlobeNewswire)
Nov-14-23 05:00PM	Live Oak Bancshares Announces Executive Appointments, Including Walter J. Phifer Named as Chief Financial Officer (GlobeNewswire) +11.02%
Nov-08-23 08:30PM	Live Oak Bancshares (LOB) Benefited from Stabilizing Financial Environment (Insider Monkey)
Oct-27-23 03:25PM	Live Oak Bancshares, Inc. (NASDAQ:LOB) Q3 2023 Earnings Call Transcript (Insider Monkey)
Oct-26-23 12:00PM	Live Oak Bancshares (LOB) Upgraded to Buy: What Does It Mean for the Stock? (Zacks) +7.22%
Oct-25-23 04:30PM	Live Oak Bancshares, Inc. Reports Third Quarter 2023 Results (GlobeNewswire)
Oct-11-23 10:00AM	Live Oak Bancshares, Inc. Announces Date of Third Quarter 2023 Financial Results (GlobeNewswire)
Oct-10-23 07:45PM	Theres Good Value in the Market Now: J.P. Morgan Suggests 2 Stocks to Buy Including One With 80% Upside (TipRanks)
Sep-28-23 09:35AM	Here's Why Live Oak Bancshares (LOB) is Poised for a Turnaround After Losing -11.4% in 4 Weeks (Zacks)
Sep-19-23 06:00AM	LaSalle St. Establishes Relationship with Live Oak Bank (PR Newswire)
Sep-13-23 09:35AM	Live Oak Bancshares (LOB) Loses -10.4% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner (Zacks)
Sep-07-23 09:35AM	Down -19.06% in 4 Weeks, Here's Why Live Oak Bancshares (LOB) Looks Ripe for a Turnaround (Zacks)
Aug-25-23 04:30PM	Live Oak Bank Names William C. (BJ) Losch, III as President (GlobeNewswire)
Jul-25-23 04:45PM	Live Oak Bancshares, Inc. Reports Second Quarter 2023 Results (GlobeNewswire) +15.35%
Jul-18-23 10:01AM	Earnings Preview: Live Oak Bancshares (LOB) Q2 Earnings Expected to Decline (Zacks)
Jul-11-23 09:30AM	Live Oak Bancshares, Inc. Announces Date of Second Quarter 2023 Financial Results (GlobeNewswire)
Apr-26-23 07:07PM	Live Oak Bancshares, Inc. Reports First Quarter 2023 Results (GlobeNewswire)
Mar-08-23 10:30AM	Live Oak Ventures Participates in Series Seed Financing of Pharmacy Marketplace (GlobeNewswire)
Jan-31-23 04:35PM	Live Oak Banks Voice of the Customer Survey Offers In-Depth Analysis of Customer Sentiment (GlobeNewswire)
Jan-27-23 01:07PM	Live Oak Bancshares, Inc. (NASDAQ:LOB) Q4 2022 Earnings Call Transcript (Insider Monkey) +8.56%
Jan-25-23 04:30PM	Live Oak Bancshares, Inc. Reports Fourth Quarter 2022 Results (GlobeNewswire)
Jan-11-23 04:30PM	Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2022 Financial Results (GlobeNewswire)
Dec-19-22 10:24AM	As Live Oak Bancshares, Inc. (NYSE:LOB) drops to US$1.3b market cap, insiders might rethink their US$1.5m stock purchase earlier this year (Simply Wall St.)

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
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
SUTHERLAND JOHN W.	Chief Accounting Officer	Nov 13 '24	Sale	49.00	12,588	616,837	14,015	Nov 15 05:17 PM
SUTHERLAND JOHN W.	Officer	Nov 13 '24	Proposed Sale	49.00	12,588	616,837		Nov 13 02:51 PM
Seward Gregory W	General Counsel	Nov 07 '24	Sale	47.02	10,000	470,169	86,882	Nov 08 04:30 PM
Seward Gregory W	Officer	Nov 07 '24	Proposed Sale	47.02	10,000	470,169		Nov 07 02:47 PM
Cameron William Henderson	Director	Oct 29 '24	Buy	39.76	1,000	39,762	202,217	Oct 31 04:22 PM

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LOB

Live Oak Bancshares Inc

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