Live Oak Bank/$LOB
1D1W1M3M6MYTD1Y5YMAX
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
$1.6B
12.08
$2.81
1.80
$0.12
0.35%
Price and volume
Market cap
$1.6B
Beta
1.8
52-week high
$44.53
52-week low
$29.36
Average daily volume
279K
Dividend rate
$0.12
Financial strength
Dividend payout ratio (TTM)
9.98%
Profitability
Net profit margin (TTM)
26.44%
Operating margin (TTM)
39.14%
Effective tax rate (TTM)
24.04%
Revenue per employee (TTM)
$510,000
Management effectiveness
Return on assets (TTM)
0.88%
Return on equity (TTM)
11.06%
Valuation
Price to earnings (TTM)
12.085
Price to revenue (TTM)
2.968
Price to book
1.3
Price to tangible book (TTM)
1.3
Price to free cash flow (TTM)
5.413
Free cash flow yield (TTM)
18.47%
Free cash flow per share (TTM)
6.263
Dividend yield (TTM)
0.35%
Forward dividend yield
0.35%
Growth
Revenue change (TTM)
26.81%
Earnings per share change (TTM)
89.23%
3-year revenue growth (CAGR)
12.35%
3-year earnings per share growth (CAGR)
28.62%
10-year earnings per share growth (CAGR)
21.23%
10-year dividend per share growth (CAGR)
7.18%
What the Analysts think about Live Oak Bank
Analyst ratings (Buy, Hold, Sell) for Live Oak Bank stock.
Analyst projections of the future price of Live Oak Bank stock.
Bulls say / Bears say
Loan production hit a record $2.1 billion in the third quarter, while loans and deposits both grew more than 16% year on year. That gives Live Oak a larger base from which to generate interest and fee income. (Live Oak Bancshares)
Revenue rose 23.4% year on year while non-interest expenses increased just 2.6%, lifting pre-provision net revenue by 52.9%. This operating leverage gives the bank more capacity to absorb credit costs if expense growth stays contained. (Live Oak Bancshares)
Live Oak Express originations rose 173% year on year to $107 million and generated $7 million in loan-sale gains. Continued growth in this small-business lending operation could add to fee income beyond the core loan book. (Investing.com)
Credit costs rose sharply: third-quarter provision expense was $54.7 million, more than double a year earlier, and net charge-offs increased to 1.00% of average loans from 0.80% in the prior quarter. Further deterioration could absorb the gains from loan growth. (Live Oak Bancshares)
The bank said deposit competition remains intense, with an average deposit cost of 3.47%; it expects funding costs to stay elevated. That could constrain margins, which edged down to 3.30% in the quarter from 3.33%. (Investing.com, Live Oak Bancshares)
Common equity tier 1 capital fell to 9.94% from 10.42% in the previous quarter as loans grew 16.4% year on year. If rapid lending growth continues to weigh on capital ratios, it may limit the bank’s room to expand or withstand future losses. (Live Oak Bancshares)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.
Live Oak Bank Financial Performance
Revenues and expenses
Live Oak Bank Earnings Performance
Company profitability
Upcoming events
No upcoming events
Live Oak Bank News
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Funds containing Live Oak Bank
AllUSDEURGBP
Fund name | Fund size | $LOB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.05% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
Xtrackers MSCI World Small Cap$XSWC | $183M | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 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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