Symbols / LOB Stock $37.43 -0.13% Live Oak Bancshares, Inc.

Financial Services • Banks - Regional • United States • NYQ
LOB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James S. Mahan III
Exch · Country NYQ · United States
Market Cap 1.73B
Enterprise Value 1.11B
Income 121.05M
Sales 512.21M
FCF (ttm) —
Book/sh 25.06
Cash/sh 17.66
Employees 1,027
Insider 10d —
IPO Jul 23, 2015
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 4.58%
P/E 14.29
Forward P/E 9.09
PEG —
P/S 3.38
P/B 1.49
P/C —
EV/EBITDA —
EV/Sales 2.18
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.62
EPS next Y 4.12
EPS Growth 185.70%
Revenue Growth 29.10%
EPS Gr Q/Q 209.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.87%
ROE 10.89%
ROIC —
Gross Margin 0.00%
Oper. Margin 35.48%
Profit Margin 24.64%
Shs Outstand 46.24M
Shs Float 35.76M
Insider Own 23.03%
Instit Own 71.82%
Short Float 7.08%
Short Ratio 8.06
Short Interest 2.09M
52W High 42.89
vs 52W High -12.73%
52W Low 25.53
vs 52W Low 46.61%
Beta 1.90
Impl. Vol. 68.26%
Rel Volume 0.64
Avg Volume 294.69K
Volume 187.99K
Target (mean) $43.50
Tgt Median $41.50
Tgt Low $40.00
Tgt High $51.00
# Analysts 4
Recom Buy
Prev Close $37.48
Price $37.43
Change -0.13%
About

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$43.50
Mean price target
2. Current target
$37.43
Latest analyst target
3. DCF / Fair value
$39.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$37.43
Low
$40.00
High
$51.00
Mean
$43.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main Keefe, Bruyette & Woods Outperform → Outperform $42
2026-02-03 main TD Cowen Buy → Buy $51
2025-10-24 main Piper Sandler Neutral → Neutral $35
2025-09-10 init Cantor Fitzgerald — → Neutral $42
2025-08-19 up Keefe, Bruyette & Woods Market Perform → Outperform $43
2025-07-25 reit Keefe, Bruyette & Woods Market Perform → Market Perform $37
2025-07-11 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-04-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2025-01-24 reit Keefe, Bruyette & Woods Market Perform → Market Perform $44
2024-10-28 main Truist Securities Buy → Buy $46
2024-10-25 main Piper Sandler Neutral → Neutral $44
2024-09-20 main Truist Securities Buy → Buy $57
2024-07-29 main Truist Securities Buy → Buy $51
2024-07-29 main Piper Sandler Neutral → Neutral $46
2024-07-26 reit Keefe, Bruyette & Woods Market Perform → Market Perform $47
2024-07-08 main Truist Securities Buy → Buy $38
2024-06-27 main JP Morgan Overweight → Overweight $45
2024-04-26 main Truist Securities Buy → Buy $38
2024-04-26 reit Keefe, Bruyette & Woods Market Perform → Market Perform $40
2024-04-01 main Truist Securities Buy → Buy $47
News
RSS: Latest LOB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 MAHAN JAMES S III Chief Executive Officer — 20,000 $32.50 $653,321
2026-03-05 MAHAN JAMES S III Chief Executive Officer — 20,000 $35.37 $721,195
2026-03-02 PHIFER WALTER J. Chief Financial Officer — 4,712 $36.58 $172,379
2026-03-02 SEWARD GREGORY W General Counsel — 3,000 $36.70 $110,100
2026-02-26 MAHAN JAMES S III Chief Executive Officer — 20,000 $39.21 $786,999
2026-02-23 PHIFER WALTER J. Chief Financial Officer — 69 — —
2026-02-23 CAIRNS MICHAEL J. Officer — 145 — —
2026-02-23 MOROZ MARK MICHAEL Officer — 4,000 — —
2026-02-23 SUTHERLAND JOHN W Officer — 178 — —
2026-02-23 SEWARD GREGORY W General Counsel — 1,000 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
541.23
+12.36%
481.69
+13.11%
425.85
+8.67%
391.86
Operating Revenue
541.23
+12.36%
481.69
+13.11%
425.85
+8.67%
391.86
Selling General And Administration
216.33
+9.98%
196.69
-0.82%
198.32
+3.77%
191.12
Selling And Marketing Expense
12.22
+9.63%
11.15
-11.23%
12.56
+19.12%
10.54
General And Administrative Expense
204.11
+10.01%
185.54
-0.12%
185.76
+2.87%
180.58
Salaries And Wages
189.44
+8.43%
174.71
+3.32%
169.09
-1.01%
170.82
Other Gand A
—
—
—
—
Reconciled Depreciation
30.40
+30.56%
23.28
+9.45%
21.27
+2.37%
20.78
Net Income
105.87
+36.65%
77.47
+4.84%
73.90
-58.06%
176.21
Pretax Income
142.81
+60.04%
89.23
+7.73%
82.83
-60.62%
210.32
Net Interest Income
448.36
+19.27%
375.90
+8.86%
345.31
+5.44%
327.50
Interest Expense
460.11
+5.42%
436.47
+27.26%
342.97
+193.21%
116.97
Interest Income
908.47
+11.83%
812.37
+18.03%
688.27
+54.85%
444.47
Gain On Sale Of Security
5.00
+21630.43%
0.02
+100.15%
-15.61
-21.39%
-12.86
Tax Provision
37.17
+214.54%
11.82
+32.31%
8.93
-73.82%
34.12
Tax Rate For Calcs
0.00
+96.53%
0.00
+22.63%
0.00
-33.42%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
105.64
+36.46%
77.42
+4.76%
73.90
-58.06%
176.21
Net Income From Continuing Operation Net Minority Interest
105.87
+36.65%
77.47
+4.84%
73.90
-58.06%
176.21
Net Income From Continuing And Discontinued Operation
105.87
+36.65%
77.47
+4.84%
73.90
-58.06%
176.21
Net Income Continuous Operations
105.64
+36.46%
77.42
+4.76%
73.90
-58.06%
176.21
Minority Interests
0.23
+300.00%
0.06
0.00
0.00
Normalized Income
105.87
+36.65%
77.47
+4.84%
73.90
-58.06%
176.21
Net Income Common Stockholders
102.82
+32.72%
77.47
+4.84%
73.90
-58.06%
176.21
Diluted EPS
2.23
+31.95%
1.69
+3.05%
1.64
-58.16%
3.92
Basic EPS
2.25
+30.81%
1.72
+2.99%
1.67
-58.46%
4.02
Basic Average Shares
45.70
+1.54%
45.01
+1.48%
44.35
+1.12%
43.86
Diluted Average Shares
46.04
+0.49%
45.82
+1.61%
45.09
+0.42%
44.91
Diluted NI Availto Com Stockholders
102.82
+32.72%
77.47
+4.84%
73.90
-58.06%
176.21
Insurance And Claims
14.67
+35.41%
10.84
-35.00%
16.67
+70.87%
9.76
Occupancy And Equipment
24.19
+1.52%
23.83
+1.44%
23.49
-10.38%
26.21
Other Non Interest Expense
68.22
+26.84%
53.79
-4.22%
56.16
+0.69%
55.77
Preferred Stock Dividends
3.05
—
—
—
Professional Expense And Contract Services Expense
10.75
-2.46%
11.02
+42.47%
7.74
-34.08%
11.74
Line Item Trend 2023-12-31
Total Assets
11,271.42
Cash And Cash Equivalents
582.79
Cash Financial
582.54
Other Short Term Investments
1,126.16
Net PPE
257.88
Gross PPE
355.01
Accumulated Depreciation
-97.13
Land And Improvements
23.21
Buildings And Improvements
54.75
Machinery Furniture Equipment
36.23
Other Properties
233.15
Leases
7.68
Investments And Advances
1,126.16
Total Liabilities Net Minority Interest
10,368.76
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Long Term Debt And Capital Lease Obligation
23.35
Long Term Debt
23.35
Long Term Capital Lease Obligation
—
Stockholders Equity
902.67
Common Stock Equity
902.67
Capital Stock
344.57
Common Stock
344.57
Preferred Stock
0.00
Share Issued
44.62
Ordinary Shares Number
44.62
Treasury Shares Number
0.00
Retained Earnings
642.82
Gains Losses Not Affecting Retained Earnings
-84.72
Minority Interest
0.00
Other Equity Adjustments
-84.72
Total Equity Gross Minority Interest
902.67
Total Capitalization
926.02
Invested Capital
926.02
Total Debt
23.35
Net Debt
—
Capital Lease Obligations
—
Net Tangible Assets
902.67
Tangible Book Value
902.67
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
582.79
Line Of Credit
0.00
Preferred Stock Equity
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
158.24
+0.93%
156.78
-15.21%
184.90
+161.48%
-300.74
Cash Flow From Continuing Operating Activities
158.24
+0.93%
156.78
-15.21%
184.90
+161.48%
-300.74
Net Income From Continuing Operations
105.64
+36.46%
77.42
+4.76%
73.90
-58.06%
176.21
Depreciation Amortization Depletion
30.40
+30.56%
23.28
+9.45%
21.27
+2.37%
20.78
Depreciation And Amortization
30.40
+30.56%
23.28
+9.45%
21.27
+2.37%
20.78
Other Non Cash Items
-53.36
-1070.71%
-4.56
-122.12%
20.61
+105.25%
-392.37
Stock Based Compensation
26.21
+0.02%
26.20
+46.60%
17.88
-12.15%
20.35
Asset Impairment Charge
0.08
+133.73%
-0.25
-119.92%
1.25
+500.96%
0.21
Deferred Tax
-11.63
-6.82%
-10.89
-44.87%
-7.52
-117.34%
43.35
Deferred Income Tax
-11.63
-6.82%
-10.89
-44.87%
-7.52
-117.34%
43.35
Operating Gains Losses
-77.43
-36.48%
-56.73
-75.41%
-32.34
+83.14%
-191.86
Gain Loss On Investment Securities
-5.73
-936.71%
-0.55
-157.07%
0.97
+128.88%
-3.35
Gain Loss On Sale Of PPE
3.77
+142.00%
-8.97
-122.26%
-4.03
-13112.90%
0.03
Change In Working Capital
43.58
+660.58%
5.73
-85.50%
39.53
+277.29%
-22.30
Change In Other Working Capital
—
—
—
0.23
Change In Other Current Assets
22.85
+286.00%
-12.28
-134.55%
35.56
+323.78%
-15.89
Change In Other Current Liabilities
20.73
+15.09%
18.01
+353.75%
3.97
+161.97%
-6.41
Investing Cash Flow
-1,904.19
-12.05%
-1,699.41
-26.85%
-1,339.75
-31.72%
-1,017.12
Cash Flow From Continuing Investing Activities
-1,904.19
-12.05%
-1,699.41
-26.85%
-1,339.75
-31.72%
-1,017.12
Net PPE Purchase And Sale
-10.39
-122.78%
-4.67
+83.43%
-28.15
+35.66%
-43.75
Purchase Of PPE
-14.76
+70.07%
-49.31
-5.27%
-46.84
-7.06%
-43.75
Sale Of PPE
4.36
-90.23%
44.64
+138.88%
18.69
0.00
Capital Expenditure
-14.76
+70.07%
-49.31
-5.27%
-46.84
-7.06%
-43.75
Net Investment Purchase And Sale
-60.78
+53.40%
-130.41
-4.80%
-124.44
+5.95%
-132.31
Purchase Of Investment
-311.54
-9.27%
-285.11
-15.81%
-246.19
+44.37%
-442.58
Sale Of Investment
250.76
+62.10%
154.70
+27.05%
121.76
-60.76%
310.27
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
0.00
Net Other Investing Changes
9.39
+12.82%
8.32
—
1.84
Financing Cash Flow
2,002.05
+27.61%
1,568.89
+18.79%
1,320.76
-13.72%
1,530.74
Cash Flow From Continuing Financing Activities
2,002.05
+27.61%
1,568.89
+18.79%
1,320.76
-13.72%
1,530.74
Net Issuance Payments Of Debt
-10.42
-111.64%
89.47
+249.49%
-59.85
+74.54%
-235.09
Issuance Of Debt
0.16
-99.84%
99.70
-96.57%
2,906.07
+4579.96%
62.10
Repayment Of Debt
-10.58
-3.32%
-10.24
+99.65%
-2,965.92
-898.01%
-297.18
Long Term Debt Issuance
0.16
-99.84%
99.70
-96.57%
2,906.07
+4579.96%
62.10
Long Term Debt Payments
-10.58
-3.32%
-10.24
+99.65%
-2,965.92
-898.01%
-297.18
Net Long Term Debt Issuance
-10.42
-111.64%
89.47
+249.49%
-59.85
+74.54%
-235.09
Net Common Stock Issuance
—
—
0.00
0.00
Common Stock Payments
—
—
0.00
0.00
Common Stock Dividend Paid
-5.49
-1.54%
-5.41
-1.48%
-5.33
-1.14%
-5.27
Cash Dividends Paid
-8.54
-57.91%
-5.41
-1.48%
-5.33
-1.14%
-5.27
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
4.20
+11.62%
3.76
+46.65%
2.56
-19.50%
3.19
Net Other Financing Charges
-7.62
-73.18%
-4.40
+34.53%
-6.72
-35.26%
-4.97
Changes In Cash
256.10
+875.26%
26.26
-84.17%
165.90
-22.07%
212.89
Beginning Cash Position
608.80
+4.51%
582.54
+39.82%
416.64
+104.48%
203.75
End Cash Position
864.90
+42.07%
608.80
+4.51%
582.54
+39.82%
416.64
Free Cash Flow
143.49
+33.51%
107.47
-22.15%
138.06
+140.07%
-344.50
Interest Paid Supplemental Data
460.58
+5.43%
436.85
+27.45%
342.77
+191.68%
117.52
Income Tax Paid Supplemental Data
26.59
-31.65%
38.91
+633.68%
5.30
-78.54%
24.71
Earnings Losses From Equity Investments
-17.39
-259.21%
10.92
+82.20%
5.99
+104.16%
-144.25
Excess Tax Benefit From Stock Based Compensation
-0.94
-186.82%
1.08
+208.07%
-1.00
-289.08%
0.53
Issuance Of Capital Stock
96.27
0.00
0.00
—
Net Preferred Stock Issuance
96.27
0.00
0.00
—
Preferred Stock Dividend Paid
-3.05
0.00
0.00
—
Preferred Stock Issuance
96.27
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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