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LOB

Live Oak Bancshares Inc
$
34.020
+0.09(0.265%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings
Line
Line
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Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
34.420
Open
33.900
VWAP
--
Vol
289.70K
Mkt Cap
1.55B
Low
33.715
Amount
--
EV/EBITDA(TTM)
9.61
Total Shares
44.97M
EV
999.41M
EV/OCF(TTM)
--
P/S(TTM)
3.04
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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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
155.70M
+23.46%
0.650
+145.56%
154.50M
+20.64%
0.663
+141.91%
148.85M
+14.56%
0.603
+115.48%
Estimates Revision
The market is revising No Change the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 25.81%.
Revenue Estimates for FY2025
No Change
down Image
0.00%
In Past 3 Month
EPS Estimates for FY2025
No Change
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0.00%
In Past 3 Month
Stock Price
Go Up
up Image
+25.81%
In Past 3 Month
2 Analyst Rating
down Image
-3.00% Downside
Wall Street analysts forecast LOB stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for LOB is 33.00 USD with a low forecast of 30.00 USD and a high forecast of 36.00  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.
0 Buy
2 Hold
0 Sell
Hold
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-3.00% Downside
Current: 34.020
sliders
Low
30.00
Averages
33.00
High
36.00
Keefe Bruyette
Timothy Switzer
Market Perform
maintain
$36 -> $37
2025-07-25
New
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 raised the firm's price target on Live Oak Bancshares to $36 from $34 and keeps a Market Perform rating on the shares.
Keefe Bruyette
Market Perform
downgrade
$36 -> $34
2025-04-25
Reason
Keefe Bruyette lowered the firm's price target on Live Oak Bancshares to $34 from $36 and keeps a Market Perform rating on the shares.
Keefe, Bruyette & Woods
Timothy Switzer
Hold
Reiterates
$48 → $44
2025-01-24
Reason
Keefe Bruyette lowered the firm's price target on Live Oak Bancshares to $44 from $48 and keeps a Market Perform rating on the shares. Live Oak's Q4 results included elevated credit costs, the analyst tells investors in a research note.
Truist Securities
Brandon King
Strong Buy
Maintains
$57 → $46
2024-10-28
Reason
Truist analyst Brandon King lowered the firm's price target on Live Oak Bancshares to $46 from $57 and keeps a Buy rating on the shares. Truist forecasts net interest margin compression over the next two quarters followed by expansion as deposit betas will likely lag and not fully offset lower asset yields until 2Q25, the analyst tells investors in a research note. The firm thinks the shares are attractive given growth runway and an improving return profile.
Piper Sandler
Crispin Love
Hold
Maintains
$50 → $44
2024-10-25
Reason

Valuation Metrics

The current forward P/E ratio for Live Oak Bancshares Inc (LOB.N) is 12.40, compared to its 5-year average forward P/E of 18.53. For a more detailed relative valuation and DCF analysis to assess Live Oak Bancshares Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Undervalued
5Y Average PE
18.53
Current PE
12.40
Overvalued PE
24.63
Undervalued PE
12.44

Forward EV/EBITDA

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

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
3.97
Current PS
2.38
Overvalued PS
5.75
Undervalued PS
2.20

Financials

Annual
Quarterly
FY2025Q2
YoY :
+21.12%
140.56M
Total Revenue
FY2025Q2
YoY :
-12.29%
33.18M
Operating Profit
FY2025Q2
YoY :
-13.26%
23.39M
Net Income after Tax
FY2025Q2
YoY :
-13.56%
0.51
EPS - Diluted
FY2025Q1
YoY :
+315.71%
738.13M
Free Cash Flow
FY2025Q2
YoY :
-100.00%
N/A
FCF Margin - %
FY2025Q2
YoY :
-28.37%
16.64
Net Margin - %
FY2025Q2
YoY :
-56.28%
4.98
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
66.3K
USD
1
3-6
Months
0.0
USD
0
6-9
Months
1.1M
USD
2
0-12
Months
860.0K
USD
1
Bought
0-3
2
260.1K
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
39.8K
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
4.7K
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
1
117.7K
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

LOB News & Events

Events Timeline

2025-07-23 (ET)
2025-07-23
16:52:38
Live Oak Bancshares reports Q2 EPS 51c, consensus 50c
select
2025-05-08 (ET)
2025-05-08
08:19:32
Live Oak Bancshares appoints McHenry to board of directors
select
2025-04-23 (ET)
2025-04-23
16:42:03
Live Oak Bancshares reports Q1 EPS 21c, consensus 37c
select
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News

9.5
07-23NASDAQ.COM
Live Oak Posts Q2 Revenue Beat
4.0
07-11Benzinga
Keefe, Bruyette & Woods Maintains Market Perform on Live Oak Bancshares, Raises Price Target to $36
3.0
06-03NASDAQ.COM
We Did The Math ESGV Can Go To $117
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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 34.02 USD — it has increased 0.27 % in the last trading day.

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