LOB Stock Analysis: Live Oak Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.973m USD | 12M Return: 24.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.3M
EPS Trend: -9.4%
Qual. Beats: 0
Rev. Trend: 96.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 124.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -2.93 > 1.0 |
| NWC/Revenue: -1.14k% < 20% (prev -1.19k%; Δ 42.68% < -1%) |
| CFO/TA 0.01 > 3% & CFO 140.6m > Net Income 124.1m |
| Net Debt (-1.42b) to EBITDA (212.0m): -6.69 < 3 |
| Current Ratio: 0.11 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (46.3m) vs prev 0.75% < -2% |
| Gross Margin: 50.11% > 18% (prev 41.22%; Δ 8.89% > 0.5%) |
| Asset Turnover: 7.37% > 50% (prev 6.83%; Δ 0.53% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 187.9m / Interest Expense TTM 462.0m) |
| A: -0.81 (Total Current Assets 1.52b - Total Current Liabilities 13.7b) / Total Assets 15.1b |
| B: 0.05 (Retained Earnings 809.9m / Total Assets 15.1b) |
| C: 0.01 (EBIT TTM 187.9m / Avg Total Assets 14.5b) |
| D: 1.14 (Book Value of Equity 15.4b / Total Liabilities 13.5b) |
| Altman-Z'' = -3.83 = D |
As of July 28, 2026, the stock is trading at USD 42.18 with a total of 228,867 shares traded. Over the past week, the price has changed by +1.32%, over one month by +2.83%, over three months by +11.53% and over the past year by +24.40%.
Current recommended Stop Loss: 40.80 (which is 3.3% or 1.2 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 | 44.3 | 4.9% |
P/E Trailing = 15.6801
P/E Forward = 10.1937
P/S = 3.7484
P/B = 1.6075
Revenue TTM = 1.06b USD
EBIT TTM = 187.9m USD
EBITDA TTM = 212.0m USD
Long Term Debt = 102.4m USD (from longTermDebt, last fiscal year)
Short Term Debt = 542k USD (from shortTermDebt, last fiscal year)
Debt = 102.4m USD (from shortLongTermDebtTotal, last fiscal year) + Leases 1.00k
Net Debt = -1.42b USD (calculated: Debt 102.4m - CCE 1.52b)
Enterprise Value = 555.8m USD (1.97b + Debt 102.4m - CCE 1.52b)
Interest Coverage Ratio = 0.41 (Ebit TTM 187.9m / Interest Expense TTM 462.0m)
EV/FCF = 4.41x (Enterprise Value 555.8m / FCF TTM 126.1m)
FCF Yield = 22.69% (FCF TTM 126.1m / Enterprise Value 555.8m)
FCF Margin = 11.85% (FCF TTM 126.1m / Revenue TTM 1.06b)
Net Margin = 11.65% (Net Income TTM 124.1m / Revenue TTM 1.06b)
Gross Margin = 50.11% ((Revenue TTM 1.06b - Cost of Revenue TTM 531.3m) / Revenue TTM)
Gross Margin QoQ = 48.23% (prev 58.47%)
Tobins Q-Ratio = 0.04 (Enterprise Value 555.8m / Total Assets 15.1b)
Interest Expense / Debt = 451.2% (Interest Expense 462.0m / Debt 102.4m)
Taxrate = 34.06% (64.0m / 187.9m)
NOPAT = 123.9m (EBIT 187.9m * (1 - 34.06%))
Current Ratio = 0.11 (Total Current Assets 1.52b / Total Current Liabilities 13.7b)
Debt / Equity = 0.01 (Debt 102.4m / totalStockholderEquity, last quarter 15.4b)
Debt / EBITDA = -6.69 (Net Debt -1.42b / EBITDA 212.0m)
Debt / FCF = -11.24 (Net Debt -1.42b / FCF TTM 126.1m)
Total Stockholder Equity = 4.79b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 124.1m / Total Assets 15.1b)
RoE = 2.59% (Net Income TTM 124.1m / Total Stockholder Equity 4.79b)
RoCE = 3.84% (EBIT 187.9m / Capital Employed (Equity 4.79b + L.T.Debt 102.4m))
RoIC = 9.26% (NOPAT 123.9m / Invested Capital 1.34b)
WACC = 9.99% (E(1.97b)/V(2.08b) * Re(10.51%) + (debt cost/tax rate unavailable))
Discount Rate = 10.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.36 | Cagr: 0.97%
[DCF] Terminal Value 67.22% ; FCFF base≈283.9m ; Y1≈249.0m ; Y5≈201.2m
[DCF] Fair Price = 85.62 (EV 2.54b - Net Debt -1.42b = Equity 3.96b / Shares 46.3m; r=9.99% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -9.38 | EPS CAGR: -2.22% | SUE: 0.70 | # QB: 0
Revenue Correlation: 96.70 | Revenue CAGR: 17.75% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.80 | Chg30d=-2.45% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=3.08 | Chg30d=-0.88% | Revisions=+50% | GrowthEPS=+66.3% | GrowthRev=+10.9%
EPS next Year (2027-12-31): EPS=4.14 | Chg30d=+0.29% | Revisions=+25% | GrowthEPS=+34.4% | GrowthRev=+16.3%
[Analyst] Revisions Ratio: +44% (up=5, down=1)