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  5. LOB
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LOB

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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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P/S(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q2
FY2025Q3
FY2025Q4
139.25M
+10.97%
0.503
-14.69%
146.50M
+12.75%
0.613
+119.05%
152.75M
+19.27%
0.693
+152.86%
Estimates Revision
The market is revising Downward the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by 33.22%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.89%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
down Image
-13.04%
In Past 3 Month
Stock Price
Go Up
up Image
+33.22%
In Past 3 Month
2 Analyst Rating
up Image0
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 32.00 USD with a low forecast of 30.00 USD and a high forecast of 34.00  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
up Image0
Current: 31.680
sliders
Low
30.00
Averages
32.00
High
34.00
up Image0
Current: 31.680
sliders
Low
30.00
Averages
32.00
High
34.00
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
Truist Securities
Brandon King
Strong Buy
Maintains
$51 → $57
2024-09-20
Reason
Truist Securities
Brandon King
Price Target
$51 → $57
2024-09-20
Maintains
Strong Buy
Reason
Truist raised the firm's price target on Live Oak Bancshares to $57 from $51 and keeps a Buy rating on the shares as part of a broader sector note on Banks adjusting the firm's model following the start of the Fed rate-cutting cycle. The firm's new estimates reflect updated interest rate forward curve assumption of 100bps of rate cuts during 2024 and 100bps in 2025, though its industry outlook balances healthy EPS growth expectations and historically discounted valuations against November election risks and lingering rate path uncertainty, the analyst tells investors in a research note. Truistadds that the liability sensitive trade makes fundamental sense on the surface, though it also cautions that a shallower cutting cycle could be a positive catalyst for discounted asset sensitive or growth names.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Live Oak Bancshares Inc (LOB.N) is 13.23, compared to its 5-year average forward P/E of 18.52. 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
Fair
5Y Average PE
18.52
Current PE
13.23
Overvalued PE
24.64
Undervalued PE
12.41

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
Fair
5Y Average PS
3.97
Current PS
2.36
Overvalued PS
5.75
Undervalued PS
2.20

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 are Neutral. There are no significant trading trends 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 are Neutral. There are no significant trading trends over the last month.
Sold
Bought

LOB News & Events

Events Timeline

(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
2025-01-23 (ET)
2025-01-23
11:00:22
Live Oak Bancshares falls -12.2%
select
Sign Up For More Events
Sign Up For More Events

News

Preview
4.0
07-11Benzinga
Keefe, Bruyette & Woods Maintains Market Perform on Live Oak Bancshares, Raises Price Target to $36
  • Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, providing real-time intelligence to help them succeed in the stock market.

  • Community and Exclusivity: Joining Benzinga Pro connects users with over 10,000 serious traders and grants access to exclusive stories and insights from Benzinga reporters.

Preview
3.0
06-03NASDAQ.COM
We Did The Math ESGV Can Go To $117
  • ETF Analyst Target Price: The Vanguard ESG U.S. Stock ETF (ESGV) has an implied analyst target price of $116.63, indicating an 11.36% upside from its current trading price of $104.73.

  • Notable Holdings with Upside: Key underlying holdings such as Live Oak Bancshares Inc, 1st Source Corp, and Pennymac Mortgage Investment Trust show significant potential for growth based on their respective analyst target prices compared to recent trading prices.

Preview
8.0
05-30NASDAQ.COM
Ex-Dividend Reminder: The Cigna Group, Macerich and Live Oak Bancshares
  • Upcoming Ex-Dividend Dates: On June 3, 2025, The Cigna Group, Macerich Co, and Live Oak Bancshares Inc will trade ex-dividend, with respective dividends of $1.51, $0.17, and $0.03 scheduled for payment on June 18 and June 17, 2025.

  • Stock Price Adjustments: Following the ex-dividend date, shares of The Cigna Group, Macerich Co, and Live Oak Bancshares Inc are expected to open lower by approximately 0.48%, 1.05%, and 0.11% respectively, reflecting their recent dividend payouts.

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People Also Watch

FAQ

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

The current price of LOB is 31.68 USD — it has decreased -1.65 % 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 32.00 USD with a low forecast of 30.00 USD and a high forecast of 34.00 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 124.29M USD, increased 10.97 % 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 0.21 USD, decreased -65.00 % 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 Downward the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by 33.22%.
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How many employees does Live Oak Bancshares Inc (LOB). have?

Live Oak Bancshares Inc (LOB) has 1008 emplpoyees as of July 19 2025.

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

Today LOB has the market capitalization of 1.47B USD.

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