Live Oak Bank/$LOB
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About Live Oak Bank
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
Ticker
$LOB
Sector
Primary listing
NYSE
Employees
1,017
Headquarters
Website
Live Oak Bank Metrics
BasicAdvanced
$1.5B
21.87
$1.49
1.82
$0.12
0.37%
Price and volume
Market cap
$1.5B
Beta
1.82
52-week high
$48.17
52-week low
$22.68
Average daily volume
260K
Dividend rate
$0.12
Financial strength
Profitability
Net profit margin (TTM)
16.02%
Operating margin (TTM)
24.86%
Effective tax rate (TTM)
26.31%
Revenue per employee (TTM)
$430,000
Management effectiveness
Return on assets (TTM)
0.51%
Return on equity (TTM)
6.28%
Valuation
Price to earnings (TTM)
21.866
Price to revenue (TTM)
3.419
Price to book
1.36
Price to tangible book (TTM)
1.36
Dividend yield (TTM)
0.37%
Forward dividend yield
0.37%
Growth
Revenue change (TTM)
7.02%
Earnings per share change (TTM)
-19.00%
3-year revenue growth (CAGR)
-6.95%
3-year earnings per share growth (CAGR)
-30.99%
10-year earnings per share growth (CAGR)
10.14%
10-year dividend per share growth (CAGR)
-25.20%
Bulls say / Bears say
Live Oak Bancshares boosted its SBA 7(a) lending volume by 43% to $2.85 billion in fiscal 2025, retaining its position as the nation’s top SBA 7(a) lender by dollar volume (American Banker).
In Q2 2025, Live Oak reported net income of $23.4 million, up 141% quarter-over-quarter, driven by an 8.6% increase in net interest income and an 8 basis point expansion in net interest margin to 3.28% (GlobeNewswire).
Record Q2 2025 loan production of $1.53 billion (up 9.3% sequentially) combined with deposit growth of $198.8 million lifted total assets to $13.83 billion, underscoring robust balance sheet growth (GlobeNewswire).
Q1 2025 EPS of $0.21 missed consensus estimates of $0.37, highlighting volatility in profitability as the bank navigates a higher-rate environment (GuruFocus).
Provision expense for credit losses surged 87.5% year-over-year to $44.9 million in Q4 2024, reflecting rising credit costs amid record loan growth and macroeconomic headwinds (GlobeNewswire).
In Q1 2025, a 1.5% decline in total revenue and a 3.4% increase in noninterest expenses resulted in a 10% drop in pre-provision net revenue, signaling margin pressure (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Live Oak Bank stock?
Live Oak Bank (LOB) has a market cap of $1.5B as of November 09, 2025.
What is the P/E ratio for Live Oak Bank stock?
The price to earnings (P/E) ratio for Live Oak Bank (LOB) stock is 21.87 as of November 09, 2025.
Does Live Oak Bank stock pay dividends?
Yes, the Live Oak Bank (LOB) stock pays dividends to shareholders. As of November 09, 2025, the dividend rate is $0.12 and the yield is 0.37%. Live Oak Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Live Oak Bank dividend payment date?
The next Live Oak Bank (LOB) dividend payment date is unconfirmed.
What is the beta indicator for Live Oak Bank?
Live Oak Bank (LOB) has a beta rating of 1.82. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.