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
$1.6B
29.17
$1.21
1.83
$0.12
0.34%

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.
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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