LIVE

LOB

Live Oak Bancshares, Inc.

LOB

NYSE·Financial Services·Banks - Regional·Mkt cap $1.9B

$40.64

-2.75%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$29.36 - $42.89

P/E

15.57

Fwd P/E

13.29

Beta

1.90

Div Yield

0.29%

Avg Vol

260.7K

Shares Out

46.2M

Mkt Cap

$1.9B

Price action

Price chart

Up 31.7% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

4 reasons

  • Technology-driven banking platform
  • Specialized lending expertise
  • Strong focus on small business and professional markets
  • Innovative digital banking infrastructure

Bear Case

2 risks

  • Above-average volatility (beta 1.9).
  • Premium valuation to Commercial Banking peers

Growth

Revenue decline expected

Expansion of digital banking capabilities

Value

Premium valuation to Commercial Banking peers

Momentum

Hot

+25.2% over 3m

Quality

Strong

Excellent business quality

Dividend

Token

0.29% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 22, 2026

Q2 26 RECAP

APR 22, 2026

Reported EPS of $0.60 vs $0.54 consensus (+11.1% surprise). Revenue of $145.5M vs $151.2M expected (-3.8%).

EPS beat +11.1%
Revenue miss

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+11.1%

Next: Jul 22, 2026

Revenue trend · last 8Q

+21%

+7%

+12%

+8%

+21%

+10%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$230.5M

$238.3M

$239.9M

$236.3M

$257.1M

$258.4M

$289.4M

$259.9M

Margins · last 8Q

Gross

48.2%

Operating

15.4%

Profit

11.6%

Wall Street consensus

3 analysts · 67% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

2

67%

Hold

1

33%

Sell

0%

Median Price Target

$41.00

+0.9% vs $40.64

Low $41.00
Median $41.00
High $41.00

Latest: TD Cowen · Apr 27, 2026

1 analyst covering

vs Industry

How LOB stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.