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Live Oak Bancshares Inc

LOB

40.830USD

+0.620+1.54%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

1.88BMarket Cap

18.15P/E TTM



Live Oak Bancshares Inc

40.830

+0.620+1.54%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Live Oak Bancshares Inc

Currency: USD Updated: 2026-02-06

Key Insights

Live Oak Bancshares Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 85 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Hold, with the highest price target at 44.75.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Live Oak Bancshares Inc's Score

Industry at a Glance

Industry Ranking

85 / 397

Overall Ranking

141 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

Live Oak Bancshares Inc Highlights

StrengthsRisks

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.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 21.84% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 540.87M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 6.98%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 6.98%.

Fairly Valued

The company’s latest PB is 1.63, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 32.39M shares, decreasing 16.55% quarter-over-quarter.

Held by Invesco

Star Investor Invesco holds 38.70K shares of this stock.

Analyst Rating

Based on 5 analysts

Hold

Current Rating

44.750

Target Price

+11.21%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Live Oak Bancshares Inc is 8.70, ranking 72 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 133.39M, representing a year-over-year increase of 6.99%, while its net profit experienced a year-over-year increase of 345.62%.

Score

Industry at a Glance

Previous score

8.70

Change



Financials

7.57

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

7.33

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.61

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Live Oak Bancshares Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Live Oak Bancshares Inc is 5.16, ranking 393 out of 397 in the Banking Services industry. Its current P/E ratio is 18.15, which is 91.28% below the recent high of 34.71 and 67.22% above the recent low of 5.95.

Score

Industry at a Glance

Previous score

5.16

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 85/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Live Oak Bancshares Inc is 6.80, ranking 225 out of 397 in the Banking Services industry. The average price target is 42.50, with a high of 50.00 and a low of 35.00.

Score

Industry at a Glance

Previous score

6.80

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 5 analysts

Hold

Current Rating

44.750

Target Price

+7.34%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Live Oak Bancshares Inc

LOB

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of Live Oak Bancshares Inc is 9.02, ranking 237 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 44.00 and the support level at 36.56, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.91

Change

0.11

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.173

Buy

RSI(14)

61.320

Neutral

STOCH(KDJ)(9,3,3)

61.367

Neutral

ATR(14)

1.799

High Vlolatility

CCI(14)

65.009

Neutral

Williams %R

30.746

Buy

TRIX(12,20)

0.569

Sell

StochRSI(14)

25.080

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

40.918

Sell

MA10

40.035

Buy

MA20

38.817

Buy

MA50

36.284

Buy

MA100

34.978

Buy

MA200

33.044

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Live Oak Bancshares Inc is 7.00, ranking 57 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 70.37%, representing a quarter-over-quarter increase of 5.34%. The largest institutional shareholder is The Vanguard, holding a total of 2.69M shares, representing 5.85% of shares outstanding, with 0.65% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Mahan (James S III)

6.77M

T. Rowe Price Investment Management, Inc.

6.52M

+0.16%

The Vanguard Group, Inc.

Star Investors

2.68M

-0.03%

BlackRock Institutional Trust Company, N.A.

2.53M

+7.54%

Barrow Hanley Global Investors

Star Investors

1.78M

-5.57%

Dimensional Fund Advisors, L.P.

1.55M

+0.33%

Underwood (Neil Lawrence)

1.54M

Williams (William L III)

1.34M

State Street Investment Management (US)

1.25M

-4.41%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Live Oak Bancshares Inc is 6.92, ranking 202 out of 397 in the Banking Services industry. The company's beta value is 1.95. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets. Live Oak Bancshares Inc’s latest ESG disclosure leads the Banking Services industry, indicating outstanding, compliant performance across environmental management, social responsibility, and governance, which may help mitigate overall risk.