Live Oak Bancshares, Inc.
LOB
NYSE·Financial Services·Banks - Regional·Mkt cap $1.8B
$39.57
▲ +2.38%
P/E
13.88
Mkt Cap
$1.8B
52-Wk Range
$29.36–$44.53
52-Week Range
$29.36 - $44.53
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 2.9% over the trailing year
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
1 risk
- Above-average volatility (beta 1.9).
Growth
Revenue decline expected
Expansion of digital banking capabilities
Value
Fairly valued vs Commercial Banking peers
Momentum
Stable
+2.2% over 3m
Quality
Strong
Strong fundamentals
Dividend
Token
0.31% yield
Smart-money signal
Who's buying LOB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 28, 2026
JUL 22, 2026
Reported EPS of $0.74 vs $0.68 consensus (+9.3% surprise). Revenue of $156.1M vs $155.1M expected (+0.7%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+9.3%
Revenue trend · last 8Q
—
+21%
+7%
+12%
+8%
+21%
+10%
+6%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$238.3M
$239.9M
$236.3M
$257.1M
$258.4M
$289.4M
$259.9M
$272.5M
Margins · last 8Q
Gross
47.8%
Operating
16.8%
Profit
13.5%
Wall Street consensus
4 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: TD Cowen · Jul 27, 2026
vs Industry
How LOB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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