Live Oak Bancshares, Inc. (LOB)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 42.80 $ — 94% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
9 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 27.0% passed
- More than 10% revenue growth is expected for the coming year 17.0% passed
- Share count grows by less than 3% a year 1.0% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 25.8% failed
- Gross margin at 40% or higher and without meaningful erosion 48.3% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 1,624 m net cash passed
- Operating cash flow covers the profits of the last three years 1,060 m passed
- Return on capital at 15% or higher, or up versus two years ago 11.1% passed
- Insiders hold at least 10% or are net buyers 22.8% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 7.5% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.05 | 3.00 – 3.14 | 640 | 64.5% | 3 |
| 12/31/2027 | 4.21 | 4.04 – 4.40 | 739 | 38.0% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.79 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.21 | -39.90 | 240 | 21.10 | 4.10 | 171 | 167 |
| 2025: Q1 | 0.21 | -64.90 | 236 | 7.20 | 4.10 | 105 | 103 |
| 2025: Q2 | 0.51 | -13.60 | 257 | 11.50 | 9.10 | 208 | 207 |
| 2025: Q3 | 0.57 | 102.40 | 258 | 8.40 | 10.30 | -235 | -236 |
| 2025: Q4 | 0.95 | 344.30 | 289 | 20.60 | 15.20 | 80 | 70 |
| 2026: Q1 | 0.65 | 205.50 | 260 | 10.00 | 11.60 | 87 | 85 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 145 | 17 | 14 | 0.39 | -222 | 223 | 1,755 |
| 2017 | 203 | 98 | 101 | 2.65 | -288 | 437 | 2,758 |
| 2018 | 253 | 46 | 51 | 1.24 | 6 | 494 | 3,670 |
| 2019 | 290 | 23 | 18 | 0.44 | -494 | 522 | 4,815 |
| 2020 | 378 | 47 | 60 | 1.43 | -273 | 568 | 7,872 |
| 2021 | 506 | 211 | 167 | 3.71 | -120 | 715 | 8,213 |
| 2022 | 509 | 210 | 176 | 3.92 | 124 | 811 | 9,856 |
| 2023 | 777 | 83 | 74 | 1.64 | 620 | 587 | 11,271 |
| 2024 | 929 | 89 | 77 | 1.69 | 536 | 999 | 12,943 |
| 2025 | 1,041 | 161 | 104 | 2.24 | 158 | 1,250 | 15,135 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Live Oak Bancshares, Inc. ist die Bankholding der Live Oak Banking Company, die verschiedene Bankprodukte und -dienstleistungen in den USA anbietet.
| Employees | 1,027 |
|---|---|
| Headquarters | Wilmington, NC |
| Address | 1741 Tiburon Drive, 28403 Wilmington, United States |
| Phone | 910 790 5867 |
| Website | liveoak.bank |
| IPO Date | 23. Jul 2015 |
| ISIN | US53803X1054 |
Management
| Name | Title | Birth Year |
|---|---|---|
| James S. Mahan III | Chairman & CEO | 1952 |
| William C. Losch III | President | 1971 |
| Walter J. Phifer | Chief Financial Officer | 1984 |
| Mark M. Moroz | Chief Banking Officer | 1974 |
| Renato Derraik | Chief Information & Digital Officer and Interim Information Security Officer of Bank | 1972 |
| William L. Williams III | Vice Chairman & Executive VP | 1952 |
| Matthew S. Diffley | Principal Accounting Officer | 1980 |
| Gregory W. Seward J.D. | General Counsel | 1976 |
| Claire Parker | Senior Vice President of Corporate Communications | – |
| E. Dawn Thompson | Senior Vice President of Government Relations | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Moroz Mark Michael | Chief Banking Officer | Sell | 6,100 | 42.08 | 256,670 |
| 27. Jul 2026 | Lucht David G | Director | Sell | 3,000 | 42.13 | 126,396 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.