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
$1.6B
22.93
$1.49
1.82
$0.12
0.35%
Price and volume
Market cap
$1.6B
Beta
1.82
52-week high
$48.17
52-week low
$22.68
Average daily volume
303K
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)
22.925
Price to revenue (TTM)
3.585
Price to book
1.42
Price to tangible book (TTM)
1.42
Dividend yield (TTM)
0.35%
Forward dividend yield
0.35%
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
Record Q2 2025 loan production of $1.53 billion and deposit growth of $198.8 million drove net interest income up 8.6% and expanded net interest margin to 3.28% (Nasdaq)
Pre-provision net revenue rose 29.4% in Q2 2025, reflecting a 14.0% increase in revenue outpacing a 6.3% rise in noninterest expenses and demonstrating strong operational leverage (Globe Newswire)
Live Oak maintains a well-diversified loan portfolio across approximately 40 unique industry verticals, with no single vertical exceeding 10% of total portfolio and around 33% government guaranteed, mitigating concentration risk (Investing.com)
Adjusted EPS of $0.21 in Q1 2025 missed the consensus estimate of $0.38 by 44.7%, while revenue of $126.11 million fell short of the $131.45 million forecast (Investing.com)
Provision expense for credit losses surged to $29.0 million in Q1 2025, up from $16.0 million a year earlier, signaling mounting stress among small business borrowers (Live Oak Investor Relations)
Criticized and classified loans unguaranteed exposure rose to 8.6% of total held-for-investment loans at March 31, 2025, up from 7.2% at year-end 2024, indicating weakening asset quality (SEC Filings)
Data summarised monthly by Lightyear AI. Last updated on 1 Oct 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 $1.6B as of October 26, 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 22.93 as of October 26, 2025.
Does Live Oak Bank stock pay dividends?
Yes, the Live Oak Bank (LOB) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $0.12 and the yield is 0.35%. 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.