Stock Evaluator: Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares, Inc. LOB

$40.89 -1.71 -4.01%
August 19, 2026 4:00:02 PM EST November 10, 2021 Volume: 305,346
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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.

Commentary & Analysis


Financial Summary

Share Statistics LOB Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $1,885.1 $751.0 53%
Shares Out (Mil) 46.6 15.4 45%
Institutional Ownership 76.5% 83.2% 46%
Float (Mil) 36.0 21.8 40%
Beta 1.88 0.43 91%
Avg Daily Volume (000s) 214 42 45%
Price Change
(52-week)
15.2% 94.6% 58%
Growth LOB Industry
Median
Percentile
(All Stocks)
Sales (5yr) 14.9% 7.7% 73%
Net Income (5yr) 12.2% 11.1% 58%
EPS (5yr) 9.3% 10.1% 45
Dividends (5yr) 0.0% 3.6% 57%
Cash Flow (5yr) 18.7% (17.1%) 78%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates 4 5 5
Current EPS $0.808 $3.122 $4.230
Month Ago EPS $0.795 $3.083 $4.142
# Rev Up 0 0 1
# Rev Down 1 1 0
Three Months Ago EPS $0.815 $3.110 $4.130
Year/Year Chg 9.2% 40.0% na
Financials LOB Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $526 $196 42%
Net Income (TTM) (Mil) $140 $55 64%
EPS (TTM) $2.875 $2.600 77%
Operating Cash Flow (TTM) (Mil) $253 $36 62%
Net Cash Flow (TTM) (Mil) $265 $2 86%
Long-Term Debt (Q1) (Mil) $100 $101 44%
Enterprise Value (Q1) (Mil) na $0 na
Valuation LOB Industry
Median
Percentile
(All Stocks)
P/B 1.55 1.25 40%
P/E 14.3 12.5 34%
Dividend Yield 0.3% 2.2% 61%
PEG (5yr hist) 1.5 1.1 60%
Ratios LOB Industry
Median
Percentile
(All Stocks)
Gross Margin na 63.7% na
Net Margin 26.5% 29.1% 85%
ROA 0.9% 1.1% 45%
ROE 12.2% 11.3% 64%
Liabilities to Assets 91.8% 89.7% 89%
F-Score 5 4 50%

Passing Stock Screens

As of 8/20/2026, from a list of 60 stock screening strategies, LOB meetings the criteria of 1 screen:

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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