LOB

Live Oak Bancshares Inc

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Advanced Chart

34.020

+0.09(0.265%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

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

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.

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

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+25.81%

In Past 3 Month

2 Analyst Rating

-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

-3.00% Downside

Current: 34.020

Low

30.00

Averages

33.00

High

36.00

-3.00% Downside

Current: 34.020

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

Timothy Switzer

Price Target

$36 -> $37

2025-07-25

New

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.

Keefe Bruyette

Market Perform

downgrade

$36 -> $34

2025-04-25

Reason

Keefe Bruyette

Price Target

$36 -> $34

2025-04-25

downgrade

Market Perform

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 & Woods

Timothy Switzer

Price Target

$48 → $44

2025-01-24

Reiterates

Hold

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 Securities

Brandon King

Price Target

$57 → $46

2024-10-28

Maintains

Strong Buy

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

Piper Sandler

Crispin Love

Price Target

$50 → $44

2024-10-25

Maintains

Hold

Reason

See All Ratings

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

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.

Undervalued

5Y Average PE

18.53

Current PE

12.40

Overvalued PE

24.63

Undervalued PE

12.44

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.

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.

Fair

5Y Average PS

3.97

Current PS

2.38

Overvalued PS

5.75

Undervalued PS

2.20