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

1,056

Live Oak Bank Metrics

BasicAdvanced
$1.8B
31.89
$1.21
1.83
$0.12
0.31%

Bulls say / Bears say

Diversified loan origination momentum: Live Oak produced $1.40 billion in loans during Q1 2025—73% higher year-over-year—driving total loans to $11.06 billion, up 20% from Q1 2024 across roughly 40 verticals (Investing.com)
Deposit growth and sticky funding: Customer deposits rose 5.4% quarter-over-quarter to $12.40 billion in Q1 2025, while non-interest-bearing checking balances jumped 31% to $279 million, lowering funding costs and deepening borrower relationships (GlobeNewswire)
Robust capital and credit metrics: The bank maintained a Common Equity Tier 1 ratio of 10.7% and a “Mahan Ratio” of 16.8%, with 33% of its portfolio government-guaranteed and a net charge-off ratio of 0.27% versus the SBA industry average of 0.65%, bolstering loss absorption capacity (Investing.com)
Rising provisions pressure profitability: Credit loss provisions soared to $29.2 million in Q1 2025, up from $16 million a year earlier, causing adjusted EPS to fall 65% year-over-year to $0.21 per share (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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Sept2
Live Oak Bank
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Sept15
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