Live Oak Bancshares Appoints Ewa Stasiowska as Chief Risk Officer
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 01 2025
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Live Oak Bancshares announced that Ewa Stasiowska has been named chief risk officer of the company. Stasiowska also assumes the role of CRO of Live Oak Bank. Greg Seward, Live Oak's general counsel assumed the additional role of chief risk officer in 2022.
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Analyst Views on LOB
Wall Street analysts forecast LOB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LOB is 42.67 USD with a low forecast of 35.00 USD and a high forecast of 50.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 39.500
Low
35.00
Averages
42.67
High
50.00
Current: 39.500
Low
35.00
Averages
42.67
High
50.00
About LOB
Live Oak Bancshares, Inc. is the bank holding company for Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. The Bank operates a national online platform for small business lending and deposit gathering. In addition to the Bank, the Company directly or indirectly holds wholly owned subsidiaries, including Live Oak Ventures, Inc. (Live Oak Ventures), Live Oak Grove, LLC (Grove), and Government Loan Solutions, Inc. (GLS). Live Oak Ventures has an investment in Synply, Inc. (Synply). Synply is a cloud-based technology platform designed to simplify the loan syndication process for financial institutions. The Grove provides Company employees and business visitors with on-site dining at the Company’s Wilmington, North Carolina headquarters. GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government-guaranteed lending sector.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Live Oak Bancshares (LOB) Reports $44M Net Income in Q4 2025 with 17% Loan Growth
- Loan Production Innovation: In 2025, Live Oak Bancshares achieved $6.2 billion in loan production, reflecting a 17% year-over-year growth that demonstrates strong market demand and customer trust, further solidifying its position in a competitive financial landscape.
- Profitability Enhancement: The bank reported a net income of $44 million and earnings per share of $0.95 in Q4, both approximately three times higher than Q4 2024, showcasing the company's success in operational efficiency and deepening customer relationships.
- Customer Relationship Expansion: The growth rate of loan and deposit customer relationships surged from 6% to 22% in 2025, indicating significant progress in attracting new clients and enhancing customer loyalty, which is expected to drive sustained revenue growth in the future.
- Strategic Investment Focus: Management plans to continue focusing on expanding business checking and Live Oak Express in 2026 while increasing investments in technology and AI to enhance operational efficiency and customer service quality.
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Live Oak Bancshares Reports Q4 Earnings Surge to $44.12 Million
- Significant Earnings Growth: Live Oak Bancshares reported fourth-quarter earnings of $44.12 million, or $0.95 per share, a substantial increase from last year's $9.90 million and $0.22 per share, indicating a strong improvement in profitability.
- Revenue Surge: The company's revenue rose 38.3% year-over-year to $172.91 million, up from $125.02 million last year, reflecting robust business expansion and strong market demand.
- Strong Financial Performance: The dual growth in earnings and revenue highlights the company's significant market share gains in a competitive financial landscape, boosting investor confidence.
- Positive Future Outlook: With continued growth in revenue and earnings, Live Oak Bancshares is well-positioned to further enhance its market presence and deliver higher returns for shareholders in the future.
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