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Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc.

LOB

NYSE
Asset Logo

Live Oak Bancshares, Inc.

LOB

NYSE
$35.340.54% (+0.19)
$
₹
$35.340.54% (+0.19)
High
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Returns
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6M
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3Y
5Y
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Financial Services

Banks - Regional

Small Cap

With a market cap of $1.6B the stock is ranked 2342

Key Metrics

Key Metrics

PE TTM
PE TTM

Close price divided by the earnings per share for the trailing twelve months

12.50
PB
PB

Close price divided by the book value per share at the end of the most recent quarter

1.49
EPS TTM
EPS TTM

Net profit earned per share over the trailing twelve months (sum of the last 4 quarters)

$2.81
PEG Ratio
PEG Ratio

Price-to-Earnings (P/E) ratio divided by the forecasted annual earnings per share (EPS) growth rate over the next five years

0
Profit Margin
Profit Margin

Net profit divided by the total revenue for the most recent financial year

26.44%
Dividend Yield
Dividend Yield

Annual dividend per share for the trailing twelve months divided by the close price

0.34%

Analyst Ratings & Forecast

Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 

Based on 5 analysts reports

Buy
2 analysts
Hold
3 analysts
Sell
0 analyst

Price Upside

+17.35%

Earnings Growth

+44.69%

Rev. Growth

-37.77%

See Detailed Forecast

Company Profile

Company Profile

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

Peers

Compare with peers Compare with peers 

Peers

Compare with peers Compare with peers 
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
P/E Ratio
11.95
11.95
1Y Return
23.36%
23.36%
Buy Reco %
69.56
69.56
Truist Financial Corp
TFC
Truist Financial Corp
P/E Ratio
12.48
12.48
1Y Return
12.36%
12.36%
Buy Reco %
31.81
31.81
Banco Bradesco S/A ADR
BBDO
Banco Bradesco S/A ADR
P/E Ratio
8.15
8.15
1Y Return
27.3%
27.3%
Buy Reco %
—
—
M&T Bank Corporation
MTB
M&T Bank Corporation
P/E Ratio
11.71
11.71
1Y Return
22.4%
22.4%
Buy Reco %
27.27
27.27
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
P/E Ratio
12.1
12.1
1Y Return
0.81%
0.81%
Buy Reco %
71.42
71.42
Compare with Peers

Forecast

Forecast

Price

Revenue

Earnings

Price Forecast

Price Forecast

Higher price growth forecast versus trailing 3-year CAGR
Compares analyst forecast growth with historical annualized growth.

The 12-month consensus target implies 17.35% growth, versus a trailing 3-year CAGR of 8.78%.

2026
Current$35.15Baseline
Analyst Target - 1 year
Target$41.25+17.35%

All values in $

202220232024202520262027$32.62$38.34$44.05Target+17.35%
2026
Current$35.15Baseline
Analyst Target - 1 year
Target$41.25+17.35%

All values in $

Revenue Forecast

Revenue Forecast

Lower revenue growth forecast versus trailing 3-year CAGR
Compares analyst forecast growth with historical annualized growth.

The next fiscal year's mean estimate implies -37.77% growth, versus a trailing 3-year CAGR of 26.96%.

2025
Current$1.04Baseline
Forecast for Dec 2026
High$0.65-37.33%
Average$0.64-37.77%
Low$0.64-38.42%

All values in $ Billion

2021202220232024202520260.500.500.770.921.04Low-38.42%Average-37.77%High-37.33%
2025
Current$1.04Baseline
Forecast for Dec 2026
High$0.65-37.33%
Average$0.64-37.77%
Low$0.64-38.42%

All values in $ Billion

Earnings Per Share Forecast

Earnings Per Share Forecast

Higher earnings growth forecast versus trailing 3-year CAGR
Compares analyst forecast growth with historical annualized growth.

The next fiscal year's mean estimate implies 44.69% growth, versus a trailing 3-year CAGR of -1.57%.

2025
Current$1.85Baseline
Forecast for Dec 2026
High$2.85+54.05%
Average$2.68+44.69%
Low$2.57+38.92%

All values in $

2021202220232024202520263.711.942.111.61.85Low+38.92%Average+44.69%High+54.05%
2025
Current$1.85Baseline
Forecast for Dec 2026
High$2.85+54.05%
Average$2.68+44.69%
Low$2.57+38.92%

All values in $

Financials

Financials

Income

Balance Sheet

Cash Flow

289.4
44.1
259.9
30
272.4
36.7
302.1
26.3
Q4 2025
Q1 2026
Q2 2026
Q3 2026
Revenue
Net Income
Financial YearQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026Q3 2026
Total Revenue230.54238.27239.91236.34257.06258.39289.44259.93272.47302.11
Net Income26.9613.029.99.7123.4226.5144.1130.0436.7926.35
Net Profit Margin11.69%5.46%4.12%4.11%9.11%10.26%15.24%11.55%13.50%8.72%
See CostsAll values in $ Million

Peers

Peers & Comparison

Peers & Comparison

Comparing 2 stocks from
Financial ServicesBanks - Regional

Valuation

Returns

Forecast

ScreenerCompare valuation on Screener
StockPE TTMPE TTMPBPBPEG RatioPEG Ratio
Live Oak Bancshares, Inc. 12.501.490
PNC Financial Services Group Inc11.951.521.71
Truist Financial Corp12.481.001.10
ScreenerCompare valuation on Screener

Price Comparison

Price Comparison

Compare LOB with any stock or ETF
Compare LOB with any stock or ETF
Comparing from
LOB
PNC
TFC
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Frequently asked questions

  1. Live Oak Bancshares, Inc. (LOB) share price today is $35.34 as of October 26, 2026 at 11:14 PM IST. The stock touched a day high of $35.83 and a day low of $35.31.

  2. Live Oak Bancshares, Inc. stock trades on NYSE under the ticker symbol LOB.

  3. Live Oak Bancshares, Inc.'s market capitalization is $1.63B as of October 26, 2026 at 11:14 PM IST.

  4. Live Oak Bancshares, Inc.'s price-to-earnings (P/E) ratio is 12.50 as of October 26, 2026.

  5. Live Oak Bancshares, Inc.'s price-to-book (P/B) ratio is 1.49 as of October 26, 2026.

  6. Yes, Live Oak Bancshares, Inc. pays a dividend, with a current dividend yield of 0.34%.

  7. Yes, You can buy Live Oak Bancshares, Inc. shares from India through Tickertape, via our partnership with ViewTrade IFSC under the IFSCA Global Access framework, subject to RBI’s Liberalised Remittance Scheme (LRS) limits.

  8. Indian investors can buy Live Oak Bancshares, Inc. shares in three steps: 1. Search Live Oak Bancshares, Inc. on the Tickertape app and tap Invest. 2. Complete your one-time digital KYC. 3. Fund your account and buy from as low as $1 via fractional shares.

  9. Since Live Oak Bancshares, Inc. trades in USD, an Indian investor's INR returns depend on both the stock's price movement and the USD-INR exchange rate. If the rupee depreciates against the dollar, INR returns are boosted beyond the stock's USD return; if the rupee appreciates, INR returns are reduced.

  10. Indian investors can start investing in Live Oak Bancshares, Inc. (LOB) shares from as little as $1 through fractional ownership on Tickertape - for example, $10 buys approximately 0.2829 shares at the current price of $35.34.

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