LOB Stock Analysis: Live Oak Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.717m USD | 12M Return: 3.3% | US53803X1054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.78M
EPS Trend: -9.4%
Qual. Beats: 0
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Live Oak Bancshares, Inc. (NYSE: LOB) is a Wilmington, North Carolina-based bank holding company that operates through Live Oak Banking Company, providing a range of banking products and services across the United States. Its deposit offerings include noninterest-bearing demand accounts along with interest-bearing checking, money market, savings, and time deposits. On the lending side, the company extends commercial and industrial loans, construction and development loans, owner- and non-owner-occupied commercial real estate loans, and commercial land loans. Beyond traditional banking, Live Oak provides settlement, accounting, and securitization services for government-guaranteed loans, renewable energy financing, wealth and investment management for high-net-worth clients, and investment advisory services to fintech-focused venture capital funds. The company was founded in 2008 and went public in July 2015.
As a regional bank holding company within the Financials sector, Live Oak operates with the structure common to U.S. community and niche-focused banking institutions, where the parent company oversees the operating bank and any affiliated subsidiaries. Its emphasis on government-guaranteed loan servicing and renewable energy financing reflects a strategy of targeting specialized lending verticals rather than competing broadly across all consumer and commercial banking segments.
- SBA loan originations and securitization volumes drive core revenue
- Net interest margin compresses as Fed cuts rates
- Renewable energy and fintech venture investments diversify earnings
| Net Income: 137.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -5.10 > 1.0 |
| NWC/Revenue: -1.18k% < 20% (prev -1.15k%; Δ -28.19% < -1%) |
| CFO/TA -0.00 > 3% & CFO -36.3m > Net Income 137.5m |
| Net Debt (-827.9m) to EBITDA (226.1m): -3.66 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.6m) vs 12m ago 1.74% < -2% |
| Gross Margin: 50.46% > 18% (prev 40.82%; Δ 9.64% > 0.5%) |
| Asset Turnover: 7.23% > 50% (prev 7.02%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBIT TTM 202.6m / Interest Expense TTM 463.3m) |
| A: -0.80 (Total Current Assets 927.6m - Total Current Liabilities 13.7b) / Total Assets 16.0b |
| B: 0.05 (Retained Earnings 869.8m / Total Assets 16.0b) |
| C: 0.01 (EBIT TTM 202.6m / Avg Total Assets 14.9b) |
| D: 0.09 (Book Value of Equity 1.31b / Total Liabilities 14.7b) |
| Altman-Z'' = -4.86 = D |
As of September 27, 2026, the stock is trading at USD 37.48 with a total of 205,332 shares traded. Over the past week, the price has changed by -2.01%, over one month by -6.21%, over three months by -8.43% and over the past year by +3.31%.
Current recommended Stop Loss: 36.30 (which is 3.1% or 1.3 ATR below the current price).
Live Oak Bancshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold LOB.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 46.3 | 23.4% |
P/E Trailing = 13.2464
P/E Forward = 10.1937
P/S = 3.2613
P/B = 1.4407
Revenue TTM = 1.08b USD
EBIT TTM = 202.6m USD
EBITDA TTM = 226.1m USD
Long Term Debt = 99.8m USD (from longTermDebt, last quarter)
Short Term Debt = 542k USD (from shortTermDebt, last fiscal year)
Debt = 99.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.00k
Net Debt = -827.9m USD (calculated: Debt 99.8m - CCE 927.6m)
Enterprise Value = 888.8m USD (1.72b + Debt 99.8m - CCE 927.6m)
Interest Coverage Ratio = 0.44 (Ebit TTM 202.6m / Interest Expense TTM 463.3m)
EV/FCF = -17.02x (Enterprise Value 888.8m / FCF TTM -52.2m)
FCF Yield = -5.88% (FCF TTM -52.2m / Enterprise Value 888.8m)
FCF Margin = -4.83% (FCF TTM -52.2m / Revenue TTM 1.08b)
Net Margin = 12.73% (Net Income TTM 137.5m / Revenue TTM 1.08b)
Gross Margin = 50.46% ((Revenue TTM 1.08b - Cost of Revenue TTM 535.1m) / Revenue TTM)
Gross Margin QoQ = 47.82% (prev 48.23%)
Tobins Q-Ratio = 0.06 (Enterprise Value 888.8m / Total Assets 16.0b)
Interest Expense / Debt = 464.4% (Interest Expense 463.3m / Debt 99.8m)
Taxrate = 32.25% (65.3m / 202.6m)
NOPAT = 137.2m (EBIT 202.6m * (1 - 32.25%))
Current Ratio = 0.07 (Total Current Assets 927.6m / Total Current Liabilities 13.7b)
Debt / Equity = 0.08 (Debt 99.8m / totalStockholderEquity, last quarter 1.31b)
Debt / EBITDA = -3.66 (Net Debt -827.9m / EBITDA 226.1m)
Debt / FCF = 15.85 (negative FCF - burning cash) (Net Debt -827.9m / FCF TTM -52.2m)
Total Stockholder Equity = 1.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 137.5m / Total Assets 16.0b)
RoE = 10.91% (Net Income TTM 137.5m / Total Stockholder Equity 1.26b)
RoCE = 14.90% (EBIT 202.6m / Capital Employed (Equity 1.26b + L.T.Debt 99.8m))
RoIC = 5.98% (NOPAT 137.2m / Invested Capital 2.30b)
WACC = 9.49% (E(1.72b)/V(1.82b) * Re(10.04%) + (debt cost/tax rate unavailable))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.33 | Cagr: 0.92%
[DCF] Fair Price = unknown (Cash Flow -52.2m)
EPS Correlation: -9.38 | EPS CAGR: -2.22% | SUE: 0.70 | # QB: 0
Revenue Correlation: 98.36 | Revenue CAGR: 14.73% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.81 | Chg30d=+2.64% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=+2.36% | Revisions=+50% | GrowthEPS=+68.4% | GrowthRev=+11.7%
EPS next Year (2027-12-31): EPS=4.23 | Chg30d=+0.48% | Revisions=+57% | GrowthEPS=+35.5% | GrowthRev=+14.9%
[Analyst] Revisions Ratio: +50% (up=9, down=2)