Live Oak Bank/$LOB
1D1W1MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NYSE
- Employees
- 1,034
- Headquarters
- Wilmington, United States
- Website
- www.liveoak.bank
Live Oak Bank Metrics
BasicAdvanced
$1.8B
13.39
$2.86
1.87
$0.12
0.31%
Price and volume
Market cap
$1.8B
Beta
1.87
52-week high
$44.53
52-week low
$29.36
Average daily volume
199K
Dividend rate
$0.12
Financial strength
Dividend payout ratio (TTM)
9.14%
Profitability
Net profit margin (TTM)
26.51%
Operating margin (TTM)
38.75%
Effective tax rate (TTM)
24.48%
Revenue per employee (TTM)
$510,000
Management effectiveness
Return on assets (TTM)
0.93%
Return on equity (TTM)
11.68%
Valuation
Price to earnings (TTM)
13.394
Price to revenue (TTM)
3.344
Price to book
1.46
Price to tangible book (TTM)
1.46
Price to free cash flow (TTM)
7.649
Free cash flow yield (TTM)
13.07%
Free cash flow per share (TTM)
5
Dividend yield (TTM)
0.31%
Forward dividend yield
0.31%
Growth
Revenue change (TTM)
34.40%
Earnings per share change (TTM)
135.42%
3-year revenue growth (CAGR)
12.02%
3-year earnings per share growth (CAGR)
26.99%
10-year earnings per share growth (CAGR)
21.82%
10-year dividend per share growth (CAGR)
9.15%
Bulls say / Bears say
Net income attributable to common shareholders rose 48.3% YoY to $34.7 million in Q2 FY26, driving EPS growth to $0.74. (Reuters)
Net interest income climbed 14.8% to $125.3 million, with net interest margin widening by 5 basis points to 3.33%, reflecting effective yield management. (Reuters)
Noninterest income in Q2 inched up 1.2% to $30.81 million while noninterest expense edged down 0.8% to $84.53 million, boosting operating leverage. (Reuters)
Provision for credit losses increased to $25.8 million in Q2 FY26 from $23.3 million a year earlier, signaling rising credit risk within its loan portfolio. (Reuters)
The company’s 10-Q risk disclosures emphasize dependency on SBA-guaranteed lending, warning that changes to SBA rules or loss of Preferred Lender status could materially affect origination volumes. (SEC)
CEO James Mahan III sold 20,000 shares worth approximately $737,302 in early June 2026, potentially indicating management’s view that the shares are near fair value. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 5 Sept 2026.
Upcoming events
No upcoming events
Live Oak Bank News
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Funds containing Live Oak Bank
AllEURUSDGBP
Fund name | Fund size | $LOB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
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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