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LIVE OAK BANCSHARES INC

LOBNYSE
🏆 #2117 by market capEarnings Oct 28US Equity
$36.64▼ $0.17 (−0.46%)
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24h▼ 0.5%
7d▼ 3.3%
14d▼ 6.4%
30d▼ 8.8%
ytd▲ 6.6%
1y▲ 2.5%
🏦Market Cap
$1.70B
Small Cap
📈Revenue Growth (YoY)
+59.6%
High Growth
📊Gross Margin
—
💵FCF Margin
35.1%
Strong
⚖️P/S Ratio
3.3x
Fair
Otter Score
60
Fair

Trading Snapshot

Day Range
$36.11 – $36.98
52-Week Range
$29.36 – $44.53
Volume
$3.10B
Avg Volume
$2.86B
Shares Outstanding
46.3M
Next Earnings
Nov 11, 2026

Fundamentals Snapshot

Annual Revenue
$1.04B
Last Q Revenue
$272M
P/E Ratio
12.4
P/S Ratio
3.3x
EPS (TTM)
$3.01
Dividend Yield
0.74%
Dilution (1yr)
+0.3%

Why Investors Own LOB

  • ✓High-growth profile — revenue up -4.2% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 41% gross margin and 9% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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LIVE OAK BANCSHARES INC

LOB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.0B▲ +12.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
48.3%▲ +13.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$161M▲ +80.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$143M▼ −70.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
46.3M▲ +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$763M▲ +$267M YoY
StockOtter · stockotter.space

About LIVE OAK BANCSHARES INC

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
60/100

Analyst Price Target

ⓘ
Average Target
$43.32
▲ +18.2% Upside
High Target$48.20
Low Target$34.52
Based on 29 analysts

Latest News & Updates

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MarketWatch·2h ago

LIVE OAK BANCSHARES INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Reuters·5h ago

Analysts lift LOB price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Bloomberg·1d ago

LIVE OAK BANCSHARES INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.