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  3. LOB
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LOB

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    Overview
    Forecast
    Valuation
    Earnings
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VWAP
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Vol
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Amount
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EV/EBITDA(TTM)
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EV
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
151.55M
+18.34%
0.578
+110.8%
154.20M
+22.27%
0.626
+136.49%
161.12M
+12.09%
0.734
+39.46%
Estimates Revision
The market is revising Upward the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by 0.73% over the past three months. During the same period, the stock price has changed by -14.42%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.73%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+0.2%
In Past 3 Month
Stock Price
Go Down
down Image
-14.42%
In Past 3 Month
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 42.50 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.
4 Analyst Rating
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 42.50 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.
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 32.830
sliders
Low
35.00
Averages
42.50
High
50.00
Current: 32.830
sliders
Low
35.00
Averages
42.50
High
50.00
Piper Sandler
Crispin Love
Neutral
downgrade
$37 -> $35
2025-10-24
Reason
Piper Sandler
Crispin Love
Price Target
$37 -> $35
2025-10-24
downgrade
Neutral
Reason
Piper Sandler analyst Crispin Love lowered the firm's price target on Live Oak Bancshares to $35 from $37 and keeps a Neutral rating on the shares. Live Oak posted a beat and credit metrics were relatively stable. With LOB being the #1 SBA player, the government shutdown is top of mind, but commentary on the call helped ease fears with the company preparing ahead of time and being able to fund loans, the firm says. However, if the shutdown lasts into December, there could be impacts to GoS revenue, Piper adds.
TD Cowen
TD Cowen
Buy
initiated
$50
2025-09-24
Reason
TD Cowen
TD Cowen
Price Target
$50
2025-09-24
initiated
Buy
Reason
TD Cowen initiated coverage of Live Oak Bancshares with a Buy rating and $50 price target. The firm rolled out coverage on the mid and small cap banks with a bullish view. The group is trading at a "sizable valuation discount" to historical averages, with catalysts ahead from improving net interest margins, renewed loan growth, and banks "going on offense with capital." TD sees one of the most attractive entry points in decades for the group. The firm's top picks, in order, are Western Alliance (WAL), Customers Bancorp (CUBI), East West Bancorp (EWBC), MVB Financial (MVBF), Live Oak Bancshares (LOB), Valley National (VLY), and Atlantic Union (AUB).
Cantor Fitzgerald
Dave Rochester
Neutral
initiated
$42
2025-09-09
Reason
Cantor Fitzgerald
Dave Rochester
Price Target
$42
2025-09-09
initiated
Neutral
Reason
Cantor Fitzgerald analyst Dave Rochester initiated coverage of Live Oak Bancshares with a Neutral rating and $42 price target. The firm rolled out coverage on 16 U.S. banks with a constructive view. Cantor's top pick is Citizens Financial.
Keefe Bruyette
Market Perform -> Outperform
upgrade
$37 -> $43
2025-08-18
Reason
Keefe Bruyette
Price Target
$37 -> $43
2025-08-18
upgrade
Market Perform -> Outperform
Reason
Keefe Bruyette upgraded Live Oak Bancshares to Outperform from Market Perform with a price target of $43, up from $37. The firm expects several positive catalysts to drive shares higher over the remainder of 2025. Shares have been punished since 3Q24 reporting due to investor concerns regarding the recent SBA credit cycle, but Keefe believes credit performance is set to turn around in 2H25, which should ease investor fears, the analyst tells investors in a research note.
Keefe Bruyette
Timothy Switzer
Market Perform
maintain
$36 -> $37
2025-07-25
Reason
Keefe Bruyette
Timothy Switzer
Price Target
$36 -> $37
2025-07-25
maintain
Market Perform
Reason
Keefe Bruyette analyst Timothy Switzer raised the firm's price target on Live Oak Bancshares to $37 from $36 and keeps a Market Perform rating on the shares.
Keefe Bruyette
Market Perform
maintain
$34 -> $36
2025-07-11
Reason
Keefe Bruyette
Price Target
$34 -> $36
2025-07-11
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Live Oak Bancshares to $36 from $34 and keeps a Market Perform rating on the shares.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Live Oak Bancshares Inc (LOB.N) is 11.81, compared to its 5-year average forward P/E of 18.48. For a more detailed relative valuation and DCF analysis to assess Live Oak Bancshares Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Undervalued
5Y Average PE
18.48
Current PE
11.81
Overvalued PE
24.56
Undervalued PE
12.39

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
3.91
Current PS
0.00
Overvalued PS
5.70
Undervalued PS
2.12
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Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areSelling! The selling amount has increased 923.61% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areSelling! The selling amount has increased 923.61% over the last month.
Sold
Bought
Financial AI Agent
Financial AI Agent

LOB News & Events

Events Timeline

(ET)
2025-12-01
16:10:00
Live Oak Bancshares Appoints Ewa Stasiowska as Chief Risk Officer
select
2025-10-22 (ET)
2025-10-22
16:39:33
Live Oak Bancshares Announces Q3 EPS of 55c, Below Consensus Estimate of 60c
select
2025-08-19 (ET)
2025-08-19
10:03:51
Live Oak Ventures Reveals Investment in Cascading AI
select
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News

[object Object]
Preview
7.0
12-03Globenewswire
Live Oak Bancshares Faces Investigation Over Financial Restatement
  • Financial Restatement Impact: Live Oak Bancshares disclosed on November 12, 2025, that it will amend its 2024 Annual Report and Q1 and Q2 2025 filings due to a misclassification of cash flows, indicating significant deficiencies in financial transparency that could erode investor confidence.
  • Stock Price Reaction: Following this announcement, Live Oak's shares fell, reflecting market concerns over the company's financial health, which may impact its future financing capabilities and overall investor trust.
  • Increased Legal Risks: The Schall Law Firm has initiated an investigation on behalf of investors, and if violations are confirmed, the company could face substantial damages and reputational harm, further intensifying scrutiny over its compliance practices.
  • Investor Rights Protection: The firm encourages affected shareholders to reach out to discuss their rights, highlighting a growing investor focus on corporate governance and transparency following the financial issues, which may prompt the company to adopt stricter compliance measures to regain trust.
[object Object]
Preview
5.0
12-02Newsfilter
Live Oak Bancshares Appoints Ewa M. Stasiowska as Chief Risk Officer
  • New Chief Risk Officer: Ewa M. Stasiowska has been appointed as Chief Risk Officer of Live Oak Bancshares, bringing over 20 years of risk management experience to oversee enterprise, financial, and operational risks, ensuring stability and innovation as the company expands.
  • Leadership Structure Adjustment: With the company surpassing the $10 billion asset threshold, Live Oak is revisiting its leadership structure, with Greg Seward continuing as General Counsel to ensure excellence in critical areas.
  • Risk Management Expertise: Stasiowska previously served as Senior Managing Director at Webster Bank, where she was responsible for designing and implementing enterprise risk frameworks, enhancing governance structures and transparency, showcasing her deep expertise in financial institutions.
  • Commitment to Sustainable Growth: Stasiowska expressed excitement about leveraging her experience to strengthen Live Oak's risk management practices, supporting sustainable growth for customers and further solidifying the company's leadership in small business banking.
[object Object]
Preview
8.0
11-28NASDAQ.COM
Upcoming Ex-Dividend Dates for Assurant, Tradeweb Markets, and Live Oak Bancshares

  • Upcoming Ex-Dividend Dates: Assurant Inc (AIZ), Tradeweb Markets Inc (TW), and Live Oak Bancshares Inc (LOB) will trade ex-dividend on 12/1/25, with respective dividends of $0.88, $0.12, and $0.03 scheduled for payment on 12/29/25 and 12/15/25.

  • Expected Price Adjustments: Following the ex-dividend date, shares of AIZ, TW, and LOB are anticipated to open lower by approximately 0.39%, 0.11%, and 0.09%, respectively, based on their recent stock prices.

  • Dividend Yield Estimates: The estimated annualized yields for the upcoming dividends are 1.54% for Assurant Inc, 0.44% for Tradeweb Markets Inc, and 0.37% for Live Oak Bancshares Inc, reflecting their historical dividend stability.

  • Current Trading Performance: As of the latest trading session, Assurant Inc shares are up 0.1%, Tradeweb Markets Inc shares are up 0.4%, while Live Oak Bancshares Inc shares are trading flat.

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FAQ

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What is Live Oak Bancshares Inc (LOB) stock price today?

The current price of LOB is 32.83 USD — it has decreased -1.35 % in the last trading day.

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What is Live Oak Bancshares Inc (LOB)'s business?

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.

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What is the price predicton of LOB Stock?

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 42.50 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.

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What is Live Oak Bancshares Inc (LOB)'s revenue for the last quarter?

Live Oak Bancshares Inc revenue for the last quarter amounts to 142.63M USD, increased 15.70 % YoY.

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What is Live Oak Bancshares Inc (LOB)'s earnings per share (EPS) for the last quarter?

Live Oak Bancshares Inc. EPS for the last quarter amounts to 0.55 USD, increased 96.43 % YoY.

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What changes have occurred in the market's expectations for Live Oak Bancshares Inc (LOB)'s fundamentals?

The market is revising Upward the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by 0.73% over the past three months. During the same period, the stock price has changed by -14.42%.
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How many employees does Live Oak Bancshares Inc (LOB). have?

Live Oak Bancshares Inc (LOB) has 1008 emplpoyees as of December 05 2025.

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What is Live Oak Bancshares Inc (LOB) market cap?

Today LOB has the market capitalization of 1.51B USD.

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