Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

LOB stock hub

Live Oak Bancshares, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.7B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

LOB

In the news

Latest news · LOB

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11.7

P25 8.8P50 10.4P75 13.1

Trailing P/E14.4

P25 10.9P50 14.7P75 36.2

ROE10.9

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All LOB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

237

Groups with data

Currency

USD

Showing 237 of 237 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001462120
Company name	Live Oak Bancshares, Inc.
Country	United States
Country code	US
Cusip	53803X105
Employees	1,040
Employees Change	15%
Employees Change Percent	1.46
Enterprise value	$1B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	2015-07-23
Isin	US53803X1054
Last refreshed	2026-05-10
Market cap	$1.7B
Market cap category	Small-Cap
Price	$37.7
Price currency	USD
Rev Per Employee	492,512.5x
Sector	Financials
Sic	6022
Symbol	LOB
Website	https://www.liveoak.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.94%
EV Earnings	8.49x
EV Sales Forward	1.56x
EV/FCF	3.94x
EV/Sales	2.01x
FCF yield	14.96%
Forward P/E	11.69x
P/B ratio	1.48x
P/E ratio	14.41x
P/S ratio	3.41x
PE Ratio10 Y	24.21x
PE Ratio3 Y	20.4x
PE Ratio5 Y	17.12x
PEG ratio	0.32x
PS Forward	2.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	50.93%
Gross Profit	$512.2M
Net Income	$121.1M
Net Income Growth	111.72%
Net Income Growth Q	209.15%
Net Income Growth Quarters	3%
Net Income Growth Years	2%
Net Income Growth3 Y	-5.2%
Net Income Growth5 Y	2.58%
Pretax Margin	33.14%
Profit Margin	24.64%
Profit Per Employee	$116,396
Profitable Years	14
ROA	0.87
Roa5y	1.22
ROE	10.89
Roe5y	15.05

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	9.47%
Cagr1y	46.64%
Cagr3y	20.83%
Cagr5y	-10.62%
Div CAGR3	0%
Div CAGR5	0%
EPS Growth	101.1
EPS Growth Q	185.7
EPS Growth Quarters	3
EPS Growth Years	2
EPS Growth3 Y	-6.19
EPS Growth5 Y	0.88
FCF Growth	4,111.2%
FCF Growth3 Y	41.35%
OCF Growth	662.44%
OCF Growth3 Y	29.6%
Revenue Growth	33.05x
Revenue Growth Q	33.46x
Revenue Growth Quarters	4x
Revenue Growth Years	1x
Revenue Growth3 Y	2.03x
Revenue Growth5 Y	10.95x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$15.3B
Cash	$816.4M
Debt	$99.7M
Debt FCF	$0.38
Equity	$1.3B
Liabilities	$14B
Net Cash	$716.6M
Net Cash By Market Cap	$41.09
Net Cash Growth	12.99%
Net Debt Equity	$-0.56
Net Debt FCF	$-2.75
Tangible Book Value	$1.2B
Tangible Book Value Per Share	$25.55
WACC	14.02

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-12.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.84%
Dividend Growth	0%
Dividend Growth Years	0%
Dividend per share	$0.12
Dividend Years	12
Dividend Yield	0.32%
Ex Div Date	2026-03-05
Last Dividend	$0.03
Payout Frequency	Quarterly
Payout Ratio	4.59%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	147.03%
1Y total return	46.6%
200-day SMA	35.35
3Y total return	76.41%
50-day SMA	35.12
50-day SMA vs 200-day SMA	50under200
5Y total return	-42.96%
All Time High	99.89
All Time High Change	-62.26%
All Time High Date	2021-11-05
All Time Low	7.57
All Time Low Change	398.02%
All Time Low Date	2020-03-19
ATR	1.03
Beta	1.92
Beta1y	1.12
Beta2y	1.11
Ch YTD	9.75
High	37.74
High52	42.89
High52 Date	2026-01-22
High52ch	-12.1%
Low	37.33
Low52	25.67
Low52 Date	2025-05-08
Low52ch	46.86%
Ma50ch	7.36%
Premarket Change Percent	0
Premarket Price	$37.63
Premarket Volume	162
Price vs 200-day SMA	6.64%
RSI	58.02
RSI Monthly	52.21
RSI Weekly	55.94
Sharpe ratio	1.15x
Sortino ratio	1.92
Total Return	-0.52%
Tr YTD	9.84
Tr1m	10.79%
Tr1w	1.43%
Tr3m	-7.59%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	5
Analyst Count Top	3
Analyst Price Target Top	$44
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.56
Earnings EPS Estimate Growth	166.7
Earnings Revenue Estimate	147,641,598x
Earnings Revenue Estimate Growth	17.07x
Operating Income	$188.1M
Operating margin	36.72
Price target	$43
Price Target Change	$14.06
Price Target Change Top	$16.71

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	35,844,820%
Float Percent	77.48%
Net Borrowing	-10,501,000
Shares Insiders	22.52%
Shares Institutions	70.82%
Shares Out	46,262,391
Shares Qo Q	0.45%
Shares Yo Y	0.84%
Short Float	5.85%
Short Ratio	8.06
Short Shares	4.53

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$234.5M
Average Volume	213,794.3x
Bv Per Share	25.55
CAPEX	$-14.5M
Ch10y	137
Ch1m	10.79
Ch1w	1.43
Ch1y	46.07
Ch3m	-7.67
Ch3y	74.54
Ch5y	-43.86
Ch6m	15.61
Change	0.19%
Change From Open	-0.03
Close	37.63
Days Gap	0.21
Dollar Volume	4,579,268.2
Earnings Date	2026-04-22
Earnings Time	amc
EPS	$2.62
F Score	4
FCF	$260.9M
FCF EV Yield	25.39x
FCF Per Share	$5.64
Financing CF	1,509,551,000
Fiscal Year End	December
Founded	2,008
Graham Number	38.78313
Graham Upside	2.87
Income Tax	$43.8M
Investing CF	-1,713,072,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-22
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-27
Lynch Fair Value	$13.08
Lynch Upside	-65.3
Ma150	35.38
Ma150ch	6.55%
Ma20	37.23
Ma20ch	1.27%
Net CF	71,872,000
Next Earnings Date	2026-07-22
Open	37.71
Optionable	Yes
P FCF Ratio	6.69
P OCF Ratio	6.33
Payment Date	2026-03-15
Position In Range	90.24
Post Close	37.7
Postmarket Change Percent	-0.08
Postmarket Price	$37.67
Ppne	235,329,000
Pre Close	37.63
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	0.57x
Revenue	512,213,000x
SBC By Revenue	5.16x
Share Based Comp	26,423,000
Tax By Revenue	8.56x
Tax Rate	25.83%
Tr6m	15.81%
Us State	North Carolina
Volume	121,466

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

LOB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+0.3%

$0.12 annual per share

Payout ratio

+4.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

0.0%

0 consecutive years of growth

Total shareholder yield

-0.5%

Next ex-dividend date: 2026-03-05

Performance

LOB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns LOB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+70.8%

Float: +77.5% of shares outstanding

Insider ownership

+22.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

LOB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

58.0

Neutral momentum band

Price vs 200-day MA

+6.6%

50/200-day relationship not available

Beta (5Y)

1.92

More volatile than the market

Sharpe ratio

1.15

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

LOB vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About LOB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current LOB stock rating?

Live Oak Bancshares, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full LOB analysis?

The full report lives at /stocks/LOB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for LOB?

The latest report frames LOB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the LOB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.