/LOB
LOB Stock - Live Oak Bancshares, Inc.
Financial Services|Banks - RegionalNYSE
$36.46-0.49%
$0.18 (-0.49%) • Dec 19
69
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.89
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).83
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.38
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+16.6%upside
Target: $42.51
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ENTRY ZONE$36.10 – $36.82
TARGET (TP)$42.50
STOP LOSS$33.54
RISK/REWARD1:2.1
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta2.06
52W High$41.55
52W Low$22.68
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $929.29M | $776.55M | $508.83M | $506.41M | $378.31M |
| Gross Profit | $396.61M | $382.26M | $350.92M | $426.77M | $243.97M |
| Gross Margin | 42.7% | 49.2% | 69.0% | 84.3% | 64.5% |
| Operating Income | $89.23M | $82.83M | $210.32M | $210.79M | $47.39M |
| Net Income | $77.47M | $73.90M | $176.21M | $167.00M | $59.54M |
| Net Margin | 8.3% | 9.5% | 34.6% | 33.0% | 15.7% |
| EPS | $1.72 | $1.67 | $4.02 | $3.87 | $1.46 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
25%
Hold / Neutral
3
75%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
1 Bullish3 Neutral/Bearish
Price Targets
$37
Average Target
↑ 1.7% Upside
Now
$27
Low
$37
Average
$43
High
Based on 6 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 10th 2025 | Cantor Fitzgerald | Initiation | Neutral | $42 |
| August 19th 2025 | Keefe Bruyette | Upgrade | Outperform | $43 |
| October 5th 2023 | JP Morgan | Upgrade | Overweight | $40 |
| April 28th 2023 | JP Morgan | Upgrade | Neutral | $26.5← $25 |
| February 27th 2023 | Raymond James | Resumed | Market Perform | - |
| December 13th 2022 | JP Morgan | Downgrade | Underweight | $30← $34 |
| July 7th 2022 | Raymond James | Downgrade | Market Perform | - |
| July 1st 2022 | JP Morgan | Downgrade | Neutral | $41← $58 |
Earnings History & Surprises
LOBBeat Rate
47%
Last 17 quarters
Avg Surprise
+19.5%
EPS vs Estimate
Beats / Misses
8/9
Last 12 quarters
Latest EPS
$0.55
Q4 2025
EPS Surprise History
Q1 24
-18.2%
$0.36vs$0.44
Q2 24
-23.4%
$0.36vs$0.47
Q3 24
+28.3%
$0.59vs$0.46
Q4 24
-50.0%
$0.28vs$0.56
Q1 25
No data
Q2 25
-44.7%
$0.21vs$0.38
Q3 25
-1.9%
$0.51vs$0.52
Q4 25
-5.2%
$0.55vs$0.58
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Jan 28, 2026 | $0.56 | — | — | — |
Q4 2025 | Oct 22, 2025 | $0.58 | $0.55 | -5.2% | ✗ MISS |
Q3 2025 | Jul 23, 2025 | $0.52 | $0.51 | -1.9% | ✗ MISS |
Q2 2025 | Apr 23, 2025 | $0.38 | $0.21 | -44.7% | ✗ MISS |
Q1 2025 | Mar 18, 2025 | — | $0.21 | — | — |
Q4 2024 | Oct 23, 2024 | $0.56 | $0.28 | -50.0% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $0.46 | $0.59 | +28.3% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.47 | $0.36 | -23.4% | ✗ MISS |
Q1 2024 | Jan 24, 2024 | $0.44 | $0.36 | -18.2% | ✗ MISS |
Q4 2023 | Oct 25, 2023 | $0.48 | $0.88 | +83.3% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.31 | $0.39 | +25.8% | ✓ BEAT |
Q2 2023 | Apr 26, 2023 | $0.34 | $0.01 | -97.1% | ✗ MISS |
Q1 2023 | Jan 25, 2023 | $0.43 | $0.04 | -90.7% | ✗ MISS |
Q4 2022 | Oct 26, 2022 | $0.71 | $0.96 | +35.2% | ✓ BEAT |
Q3 2022 | Jul 27, 2022 | $0.51 | $2.16 | +323.5% | ✓ BEAT |
Q2 2022 | Apr 27, 2022 | $0.70 | $0.76 | +8.6% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $0.70 | $0.66 | -5.7% | ✗ MISS |
Q4 2021 | Oct 27, 2021 | $0.65 | $0.76 | +16.9% | ✓ BEAT |
Q3 2021 | Jul 21, 2021 | $0.57 | $1.41 | +147.4% | ✓ BEAT |
Latest News
Piper Sandler Maintains Neutral on Live Oak Bancshares, Lowers Price Target to $35
➖ NeutralBenzinga•Oct 24, 2025, 02:41 PM•Also:
Live Oak Bancshares Q3 EPS $0.55 Misses $0.59 Estimate, Sales $146.099M Beat $142.721M Estimate
➖ NeutralBenzinga•Oct 22, 2025, 08:31 PM
Cantor Fitzgerald Initiates Coverage On Live Oak Bancshares with Neutral Rating, Announces Price Target of $42
➖ NeutralBenzinga•Sep 10, 2025, 01:26 PM
Keefe, Bruyette & Woods Upgrades Live Oak Bancshares to Outperform, Raises Price Target to $43
📈 PositiveBenzinga•Aug 19, 2025, 05:03 PM
Live Oak Bancshares' Live Oak Ventures To Invest In Cascading AI, A Loan Application And Origination Platform Using Responsible Artificial Intelligence
📈 PositiveBenzinga•Aug 19, 2025, 02:03 PM
Frequently Asked Questions about LOB
What is LOB's current stock price?
Live Oak Bancshares, Inc. (LOB) is currently trading at $36.46 per share. The stock has moved -0.49% today.
What is the analyst price target for LOB?
The average analyst price target for LOB is $42.50, based on 1 analyst.
What sector is Live Oak Bancshares, Inc. in?
Live Oak Bancshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NYSE exchange.
What is LOB's market cap?
Live Oak Bancshares, Inc. has a market capitalization of $1.67 billion, making it a small-cap company.
Does LOB pay dividends?
No, Live Oak Bancshares, Inc. does not currently pay a dividend to shareholders.
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