Next earnings date: 21 Oct 2025

Live Oak Bancshares, Inc. – NYSE:LOB

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$35.35

-4.08

-10.37%

Market closed

Open in about 9 hours

+5.88%

month

+5.88%

quarter

-14.74%

year

Market Cap	1.75B
Enterprise value	1.23B

P/E	28.28
EV/Sales	3.30
EV/EBITDA	50.97
Price/Sales	4.78
Price/Book	1.76
PEG ratio	2.05
EPS	1.79

Revenue	616.81M
EBITDA	160.24M
Income	80.18M
Revenue Q/Q	-71.06%
Revenue Y/Y	61.06%

Profit margin	16.86%
Oper. margin	-24.88%
Gross margin	174.11%
EBIT margin	-24.88%
EBITDA margin	25.98%

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10 years history
Forward ratios (Analysts estimates)

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Live Oak Bancshares, Inc. (NYSE:LOB): Profit margin
Jun 2023	107.07M	17.54M	16.39%
Sep 2023	124.83M	39.79M	31.88%
Dec 2023	355.81M	16.16M	4.54%
Mar 2024	29.09M	6.68M	22.99%

Live Oak Bancshares Financials Estimate

Q Y

Live Oak Bancshares, Inc. (NYSE:LOB): Analyst Estimates
2025	592.26M	129.73M	21.9%
2026	682.14M	167.72M	24.59%

Analysts Price target
Financials & Ratios estimates

Live Oak Bancshares, Inc. (NYSE:LOB): Earnings per share (EPS)
2024-10-23	0.56	0.28

Live Oak Bancshares, Inc. (NYSE:LOB): Payout ratio
Payout ratio	8.57%

Live Oak Bancshares, Inc. (NYSE:LOB): Dividend Yield
2019	0.63%
2020	0.25%
2021	0.14%
2022	0.42%
2023	0.26%

Live Oak Bancshares, Inc. (NYSE:LOB): Debt to assets
Jun 2023	10819196000	28.31M	0.26%
Sep 2023	10950460000	25.84M	0.24%
Dec 2023	11271423000	23.35M	0.21%
Mar 2024	11505569000	10.57B	91.94%

Live Oak Bancshares, Inc. (NYSE:LOB): Cash Flow
Jun 2023	136.48M	-244.92M	-158.70M
Sep 2023	154.88M	-548.65M	20.24M
Dec 2023	170.24M	-388.49M	-56.90M
Mar 2024	90.89M	-278.69M	202.65M

Live Oak Bancshares alternative data

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Live Oak Bancshares, Inc. (NYSE:LOB): Employee count
Aug 2023	955
Sep 2023	984
Oct 2023	984
Nov 2023	955
Dec 2023	956
Jan 2024	956
Feb 2024	956
Mar 2024	943
Apr 2024	943
May 2024	943
Jun 2024	962
Jul 2024	962

Live Oak Bancshares
Hedge Funds Holdings Q1 2023

26.19% -39.64%

of LOB is owned by hedge funds

111 -70

hedge funds hold LOB stock

11.76M -17.72M

shares is hold by hedge funds

LOB hedge funds holdings changes

Live Oak Bancshares
Insider Trading

Live Oak Bancshares, Inc. (NYSE:LOB): Insider trades (number of shares)
Period	Buy	Sel
Dec 2023	0	25000
Feb 2024	0	10000
Mar 2024	0	19113
May 2024	0	2600
Aug 2024	0	20000
Oct 2024	1000	0
Nov 2024	0	22588

Transaction	Date	Insider	Security	Shares	Price per share	Total value
Option	16 Dec 2024	PHIFER WALTER J officer: Chief Financial Officer officer: Chief Financial Officer	Voting Common Stock	235	N/A	N/A
Option	16 Dec 2024	PHIFER WALTER J officer: Chief Financial Officer officer: Chief Financial Officer	Restricted Stock Units	235	N/A	N/A
Option	16 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Voting Common Stock	235	N/A	N/A
Option	16 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Restricted Stock Units	235	N/A	N/A
Option	9 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Voting Common Stock	945	N/A	N/A
Option	9 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Voting Common Stock	943	N/A	N/A
Option	9 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Restricted Stock Units	945	N/A	N/A
Option	9 Dec 2024	CAIRNS MICHAEL officer: Chief Credit Officer officer: Chief Credit Officer	Restricted Stock Units	943	N/A	N/A
Option	9 Dec 2024	PHIFER WALTER J officer: Chief Financial Officer officer: Chief Financial Officer	Voting Common Stock	1,572	N/A	N/A
Option	9 Dec 2024	PHIFER WALTER J officer: Chief Financial Officer officer: Chief Financial Officer	Restricted Stock Units	1,572	N/A	N/A

LOB insider trading transactions

Live Oak Bancshares
Earnings Call Transcripts

Quarter	Transcript
Q1 2024 25 Apr 2024	Q1 2024 Earnings Call Transcript
Q4 2023 25 Jan 2024	Q4 2023 Earnings Call Transcript
Q3 2023 26 Oct 2023	Q3 2023 Earnings Call Transcript
Q2 2023 26 Jul 2023	Q2 2023 Earnings Call Transcript

LOB earnings call transcripts

Live Oak Bancshares
Executives

Insider	Age	Compensation
Mr. Huntley Garriott Jr. (1976) Pres of Live Oak Banking Company	49	$986,180
Mr. James S. Mahan III (1952) Chairman & Chief Executive Officer	73	$821,770
Mr. Neil Lawrence Underwood (1969) Pres & Director	56	$820,510
Mr. Steven J. Smits (1967) Chief Credit Officer	58	$492,510

Live Oak Bancshares
Latest News

Wednesday, 4 December 2024
09:15	Live Oak Ventures Participates in Financing of Sunbound, Inc.	globenewswire.com
09:00	Sunbound Expands Reach with Live Oak Ventures Investment, Supporting Growth in Senior Living Sector	prnewswire.com
Tuesday, 12 November 2024
09:15	WARRIOR RISING ANNOUNCES ENHANCED CAPITAL READINESS CAPABILITY FOR VETERAN ENTREPRENEURS	prnewswire.com
Monday, 28 October 2024
13:14	Live Oak Bancshares: Loan Originations Spike, But Credit Risk Worries	seekingalpha.com
Thursday, 24 October 2024
14:07	Live Oak Bancshares, Inc. (LOB) Q3 2024 Earnings Call Transcript	seekingalpha.com
Wednesday, 23 October 2024
20:05	Live Oak Bancshares (LOB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates	zacks.com
18:56	Live Oak Bancshares (LOB) Lags Q3 Earnings Estimates	zacks.com
16:30	Live Oak Bancshares, Inc. Reports Third Quarter 2024 Results	globenewswire.com
Monday, 21 October 2024
10:00	Live Oak Ventures Participates in Financing of Synply, Inc.	globenewswire.com
Wednesday, 9 October 2024
11:30	Live Oak Bancshares, Inc. Announces Date of Third Quarter 2024 Financial Results	globenewswire.com
Thursday, 8 August 2024
11:00	Does Live Oak Bancshares (LOB) Have the Potential to Rally 27.21% as Wall Street Analysts Expect?	zacks.com
Monday, 5 August 2024
13:45	3 Reasons Why Growth Investors Shouldn't Overlook Live Oak Bancshares (LOB)	zacks.com
Friday, 26 July 2024
14:22	Live Oak Bancshares: CD Related Costs Could Become A Tailwind	seekingalpha.com
Wednesday, 24 July 2024
20:35	Here's What Key Metrics Tell Us About Live Oak Bancshares (LOB) Q2 Earnings	zacks.com
19:10	Live Oak Bancshares (LOB) Q2 Earnings and Revenues Top Estimates	zacks.com
Wednesday, 17 July 2024
11:08	Live Oak Bancshares (LOB) Earnings Expected to Grow: Should You Buy?	zacks.com
Wednesday, 10 July 2024
08:30	Live Oak Bancshares, Inc. Announces Date of Second Quarter 2024 Financial Results	globenewswire.com
Thursday, 27 June 2024
16:45	Live Oak Bancshares Announces Michael J. Cairns to be Named as Chief Credit Officer as Steven J.	globenewswire.com
Monday, 3 June 2024
08:00	Live Oak Bank Announces First Embedded Banking Partnership with Anatomy Financial, Inc.	globenewswire.com
Saturday, 27 April 2024
03:07	Stock Market Sell-Off: 3 Bargain Stocks Worth Buying Now	The Motley Fool
Wednesday, 24 April 2024
20:36	Live Oak Bancshares (LOB) Reports Q1 Earnings: What Key Metrics Have to Say	Zacks Investment Research
Wednesday, 17 April 2024
11:07	Live Oak Bancshares (LOB) Reports Next Week: Wall Street Expects Earnings Growth	Zacks Investment Research
Wednesday, 10 April 2024
09:00	Live Oak Bancshares, Inc. Announces Date of First Quarter 2024 Financial Results	GlobeNewsWire
Thursday, 25 January 2024
14:37	Live Oak Bancshares, Inc. (LOB) Q4 2023 Earnings Call Transcript	Seeking Alpha
Wednesday, 24 January 2024
20:06	Live Oak Bancshares (LOB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates	Zacks Investment Research
Tuesday, 23 January 2024
08:26	Countdown to Live Oak Bancshares (LOB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS	Zacks Investment Research
Wednesday, 10 January 2024
08:30	Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2023 Financial Results	GlobeNewsWire
Monday, 8 January 2024
09:01	5 Low-Leverage Stocks to Buy Amid Mixed Investor Sentiments	Zacks Investment Research
Wednesday, 27 December 2023
11:17	Best Momentum Stocks to Buy for December 27th	Zacks Investment Research
07:31	New Strong Buy Stocks for December 27th	Zacks Investment Research

Ideas & Opinions

Seeking Alpha 16 Apr 2025

Live Oak Bancshares: Bank On It Today
Seeking Alpha 13 Dec 2023

Live Oak Bancshares: Time For A Downgrade
Seeking Alpha 21 Sep 2023

Live Oak Bancshares: Solid Deposit Growth, But Expensive Price
Seeking Alpha 3 May 2023

3 Bank Failures Bigger Than 2008, 3 Bank Stocks To Sell Stand Out With Quant
Seeking Alpha 2 Apr 2023

Live Oak Bancshares: The Market Threw The Baby Out With The Bathwater This Time

Frequently Asked Questions (FAQ)

What's the price of Live Oak Bancshares stock today?

One share of Live Oak Bancshares stock can currently be purchased for approximately $35.35.
When is Live Oak Bancshares's next earnings date?

Live Oak Bancshares, Inc. is estimated to report earnings on Tuesday, 21 Oct 2025.
Does Live Oak Bancshares pay dividends?

Yes, Live Oak Bancshares pays dividends and its trailing 12-month yield is 0.3% with 9% payout ratio. The last Live Oak Bancshares stock dividend of $0.03 was paid on 13 Dec 2021.
How much money does Live Oak Bancshares make?

Live Oak Bancshares has a market capitalization of 1.75B and it's past years’ income statements indicate that its last revenue has decreased compared to the previous period by 69.51% to 119.49M US dollars. Live Oak Bancshares earned 73.9M US dollars in net income (profit) last year or $0.28 on an earnings per share basis.
What is Live Oak Bancshares's stock symbol?

Live Oak Bancshares, Inc. is traded on the NYSE under the ticker symbol "LOB".
What is Live Oak Bancshares's primary industry?

Company operates in the Financial Services sector and Banks - Regional industry.
How do i buy shares of Live Oak Bancshares?

Shares of Live Oak Bancshares can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.
Who are Live Oak Bancshares's key executives?
Live Oak Bancshares's management team includes the following people:
- Mr. Huntley Garriott Jr. Pres of Live Oak Banking Company(age: 49, pay: $986,180)
- Mr. James S. Mahan III Chairman & Chief Executive Officer(age: 73, pay: $821,770)
- Mr. Neil Lawrence Underwood Pres & Director(age: 56, pay: $820,510)
- Mr. Steven J. Smits Chief Credit Officer(age: 58, pay: $492,510)
How many employees does Live Oak Bancshares have?

As Jul 2024, Live Oak Bancshares employs 962 workers, which is 2% more then previous quarter.
When Live Oak Bancshares went public?

Live Oak Bancshares, Inc. is publicly traded company for more then 10 years since IPO on 23 Jul 2015.
What is Live Oak Bancshares's official website?

The official website for Live Oak Bancshares is liveoakbank.com.
Where are Live Oak Bancshares's headquarters?

Live Oak Bancshares is headquartered at 1741 Tiburon Drive, Wilmington, NC.
How can i contact Live Oak Bancshares?

Live Oak Bancshares's mailing address is 1741 Tiburon Drive, Wilmington, NC and company can be reached via phone at +91 07905867.

Live Oak Bancshares, Inc.

liveoakbank.com

Exchange:

NYSE

Full time employees:

999

Industry:

Banks - Regional

Sector:

Financial Services

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, 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 offers 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 provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

+91 07905867

1741 Tiburon Drive
Wilmington, NC 28403

CIK: 0001462120
ISIN: US53803X1054
CUSIP: 53803X105