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Live Oak Bancshares Inc

LOB

37.120USD

-0.130-0.35%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

1.70BMarket Cap

30.25P/E TTM



Live Oak Bancshares Inc

37.120

-0.130-0.35%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite a weak stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

77 / 400

Overall Ranking

188 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 3 analysts

Hold

Current Rating

39.333

Target Price

+5.59%

Upside Space

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

Company Highlights

StrengthsRisks

Live Oak Bancshares, Inc. is a bank holding company. The Company conducts business operations through its commercial bank subsidiary, Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. Its segments include Banking and Fintech. Banking segment specializes in providing financing services to small businesses nationwide in industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment is involved in making strategic investments in emerging financial technology companies. The Fintech segment is comprised of the Company's direct wholly owned subsidiaries, Live Oak Ventures, Inc. and Canapi Advisors, LLC, and the investments held by those entities, as well as the Bank's investment in Apiture, Inc. The Bank’s loan portfolio includes commercial and industrial loans, construction and development loans, commercial real estate, and commercial land.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 18.78% year-on-year.

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 1.60, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 41.61M shares, decreasing 8.05% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 2.68M shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 8.74, which is higher than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 140.56M, representing a year-over-year increase of 21.12%, while its net profit experienced a year-over-year increase of 13.11%.

Score

Industry at a Glance

Previous score

8.74

Change



Financials

7.16

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.49

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.07

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 30.21, which is -23.97% below the recent high of 22.97 and 50.14% above the recent low of 15.06.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 77/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for Live Oak Bancshares Inc is 42.00, with a high of 43.00 and a low of 33.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 3 analysts

Hold

Current Rating

39.333

Target Price

+5.59%

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

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

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: 2025-09-19

The company’s current price momentum score is 7.06, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 39.37 and the support level at 34.92, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.06

Change

-0.14

Support & Resistance

No Data

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)

-0.562

Neutral

RSI(14)

57.357

Neutral

STOCH(KDJ)(9,3,3)

50.698

Buy

ATR(14)

1.019

Low Volatility

CCI(14)

-24.363

Neutral

Williams %R

57.307

Sell

TRIX(12,20)

0.272

Sell

StochRSI(14)

82.747

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

36.692

Buy

MA10

36.837

Buy

MA20

37.502

Sell

MA50

34.587

Buy

MA100

31.532

Buy

MA200

32.589

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 90.98%, representing a quarter-over-quarter decrease of 0.46%. The largest institutional shareholder is The Vanguard, holding a total of 2.68M shares, representing 5.85% of shares outstanding, with 1.15% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Mahan (James S III)

6.77M

T. Rowe Price Investment Management, Inc.

6.48M

+1.01%

The Vanguard Group, Inc.

Star Investors

2.65M

+1.01%

BlackRock Institutional Trust Company, N.A.

2.37M

-1.88%

Barrow Hanley Global Investors

Star Investors

1.55M

+0.86%

Dimensional Fund Advisors, L.P.

1.43M

+0.64%

Underwood (Neil Lawrence)

1.54M

Williams (William L III)

1.34M

State Street Global Advisors (US)

1.27M

-5.25%

Diamond Hill Capital Management Inc.

Star Investors

1.07M

-12.84%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 3.22, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 1.84. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.