Why Live Oak Bancshares, Inc.’s (LOB) Stock Is Down 5.18%
As of Wednesday, October 07, Live Oak Bancshares, Inc.’s LOB share price has dipped by 5.18%, which has investors questioning if this is right time to buy.Michael Rose
A+ Stock Grade Summary:
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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
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Which Is a Better Investment, Live Oak Bancshares, Inc. or United Community Banks, Inc. Stock?
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Is Live Oak Bancshares, Inc. (LOB) Overvalued?
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Which Is a Better Investment, Atlantic Union Bankshares Corporation or Live Oak Bancshares, Inc. Stock?
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Financial Summary
| Share Statistics | LOB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,595.9 | $673.5 | 51% |
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| Shares Out (Mil) | 46.6 | 15.4 | 46% |
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| Institutional Ownership | 76.5% | 84.1% | 46% |
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| Float (Mil) | 36.1 | 21.6 | 39% |
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| Beta | 1.87 | 0.45 | 90% |
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| Avg Daily Volume (000s) | 259 | 44 | 48% |
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| Price Change (52-week) |
(3.8%) | 90.3% | 50% |
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| Growth | LOB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 14.9% | 7.7% | 73% |
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| Net Income (5yr) | 12.2% | 11.1% | 59% |
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| EPS (5yr) | 9.3% | 10.0% | 46 |
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| Dividends (5yr) | 0.0% | 3.6% | 57% |
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| Cash Flow (5yr) | 18.7% | (17.1%) | 78% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.690 | $2.986 | $4.220 | |
| Month Ago EPS | $0.822 | $3.118 | $4.222 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.803 | $3.103 | $4.142 | |
| Year/Year Chg | (6.8%) | 33.9% | na | |
| Financials | LOB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $526 | $187 | 41% |
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| Net Income (TTM) (Mil) | $140 | $53 | 64% |
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| EPS (TTM) | $2.875 | $2.600 | 77% |
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| Operating Cash Flow (TTM) (Mil) | $253 | $34 | 62% |
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| Net Cash Flow (TTM) (Mil) | $265 | $2 | 86% |
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| Long-Term Debt (Q1) (Mil) | $100 | $94 | 44% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | LOB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.31 | 1.23 | 36% |
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| P/E | 12.1 | 12.0 | 28% |
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| Dividend Yield | 0.3% | 2.3% | 61% |
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| PEG (5yr hist) | 1.3 | 1.1 | 56% |
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| Ratios | LOB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 26.5% | 29.2% | 85% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 12.2% | 11.3% | 63% |
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| Liabilities to Assets | 91.8% | 89.7% | 89% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
