LOB
Live Oak Bancshares, Inc. NYSE Listed Jul 23, 2015$38.55
+0.77%
vs $38.26
Mkt Cap $1.8B
52w Low $27.76
71.3% of range
52w High $42.89
50d MA $37.29
200d MA $35.80
P/E (TTM)
14.3x
EV/EBITDA
0.7x
P/B
1.4x
Debt/Equity
0.1x
ROE
8.5%
P/FCF
12.4x
RSI (14)
51.30
ATR (14)
$1.02
Beta
1.90
50d MA
$37.29
200d MA
$35.80
Avg Volume
242.6K
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
1741 Tiburon Drive · Wilmington, NC 28403 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 22, 2026 | AMC | 0.54 | 0.60 | +11.1% | 36.29 | +0.8% | +3.3% | -0.1% | +1.1% | +2.5% | -2.5% | — |
| Jan 21, 2026 | AMC | 0.56 | 0.95 | +69.6% | 39.00 | +2.6% | +4.5% | -3.4% | -0.3% | -1.2% | -1.1% | — |
| Oct 22, 2025 | AMC | 0.58 | 0.55 | -5.2% | 34.65 | -3.8% | -3.3% | +2.0% | -3.7% | -1.9% | -1.4% | — |
| Jul 23, 2025 | AMC | 0.52 | 0.51 | -1.9% | 32.35 | +0.5% | +0.6% | +4.3% | +0.3% | -2.9% | -2.7% | — |
| Apr 23, 2025 | AMC | 0.38 | 0.21 | -44.7% | 24.67 | +2.4% | +7.1% | +0.7% | +1.7% | -1.1% | -2.3% | — |
| Mar 18, 2025 | AMC | — | 0.21 | — | 28.29 | -0.1% | -2.7% | -0.5% | -0.2% | +1.4% | +0.8% | — |
| Oct 23, 2024 | AMC | 0.56 | 0.28 | -50.0% | 46.64 | -1.7% | -10.3% | -5.2% | +3.0% | -2.5% | +0.4% | — |
| Jul 24, 2024 | AMC | 0.46 | 0.59 | +28.3% | 42.87 | +3.8% | +3.8% | +2.6% | -3.5% | +1.3% | +1.1% | — |
| Apr 24, 2024 | AMC | 0.47 | 0.36 | -23.4% | 39.87 | -9.6% | -14.0% | -3.2% | +0.9% | -3.5% | +3.6% | — |
| Jan 24, 2024 | AMC | 0.44 | 0.36 | -18.2% | 42.50 | +0.0% | -5.2% | -1.4% | +0.3% | -0.5% | -8.3% | — |
| Oct 25, 2023 | AMC | 0.48 | 0.88 | +83.3% | 26.99 | +6.0% | +7.2% | -2.7% | +3.0% | -0.6% | -0.1% | — |
| Jul 25, 2023 | AMC | 0.31 | 0.39 | +25.8% | 31.00 | +6.3% | +15.4% | +1.6% | +3.2% | +1.0% | -1.2% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 27 | TD Cowen | Maintains | Buy → Buy | — | $37.43 | $37.42 | -0.0% | +1.1% | +2.5% | -2.5% | -0.6% | -1.1% |
| Apr 27 | Piper Sandler | Maintains | Neutral → Neutral | — | $37.43 | $37.42 | -0.0% | +1.1% | +2.5% | -2.5% | -0.6% | -1.1% |
| Apr 24 | Keefe, Bruyette & Woods | Maintains | Outperform → Outperform | — | $37.48 | $37.52 | +0.1% | -0.1% | +1.1% | +2.5% | -2.5% | -0.6% |
| Feb 3 | TD Cowen | Maintains | Buy → Buy | — | $41.15 | $40.64 | -1.2% | -1.1% | +2.5% | -3.5% | +1.5% | +2.3% |
| Oct 24 | Piper Sandler | Maintains | Neutral → Neutral | — | $33.51 | $33.81 | +0.9% | +2.0% | -3.7% | -1.9% | -1.4% | -0.8% |
| Aug 19 | Keefe, Bruyette & Woods | Upgrade | Market Perform → Outperform | — | $34.29 | $35.15 | +2.5% | +3.1% | -1.0% | +0.1% | +7.8% | -0.1% |
| Jul 25 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $32.53 | $32.54 | +0.0% | +4.3% | +0.3% | -2.9% | -2.7% | -1.7% |
| Jul 11 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $32.55 | $32.46 | -0.3% | -0.6% | +0.4% | -4.5% | +2.5% | +1.3% |
| Apr 25 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $26.41 | $25.95 | -1.7% | +0.7% | +1.7% | -1.1% | -2.3% | +2.1% |
| Jan 24 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $35.07 | $34.73 | -1.0% | -0.1% | +2.8% | +0.6% | -1.7% | -0.4% |
| Oct 28 | Truist | Maintains | Buy → Buy | — | $39.65 | $39.93 | +0.7% | +3.0% | -2.5% | +0.4% | -0.7% | +3.4% |
| Oct 25 | Piper Sandler | Maintains | Neutral → Neutral | — | $41.83 | $42.21 | +0.9% | -5.2% | +3.0% | -2.5% | +0.4% | -0.7% |
| Sep 20 | Truist | Maintains | Buy → Buy | — | $49.72 | $50.16 | +0.9% | -1.7% | -0.6% | -2.3% | -3.4% | +0.6% |
| Jul 29 | Piper Sandler | Maintains | Neutral → Neutral | — | $45.66 | $45.99 | +0.7% | -3.5% | +1.3% | +1.1% | -4.6% | -4.6% |
| Jul 29 | Truist | Maintains | Buy → Buy | — | $45.66 | $45.99 | +0.7% | -3.5% | +1.3% | +1.1% | -4.6% | -4.6% |
| Jul 26 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $44.50 | $45.24 | +1.7% | +2.6% | -3.5% | +1.3% | +1.1% | -4.6% |
| Jul 8 | Truist | Maintains | Buy → Buy | — | $33.45 | $33.76 | +0.9% | +0.5% | +0.6% | +2.0% | +6.3% | +1.6% |
| Jun 27 | JP Morgan | Maintains | Overweight → Overweight | — | $33.62 | $33.59 | -0.1% | +0.7% | +3.6% | -2.5% | +1.8% | -3.5% |
| Apr 26 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $34.28 | $34.17 | -0.3% | -3.2% | +0.9% | -3.5% | +3.6% | +3.9% |
| Apr 26 | Truist | Maintains | Buy → Buy | — | $34.28 | $34.17 | -0.3% | -3.2% | +0.9% | -3.5% | +3.6% | +3.9% |
| Apr 1 | Truist | Maintains | Buy → Buy | — | $41.51 | $41.51 | +0.0% | -2.3% | -1.2% | -2.6% | +1.5% | +1.8% |
| Jan 30 | Truist | Maintains | Buy → Buy | — | $39.86 | $39.57 | -0.7% | -0.5% | -8.3% | -0.6% | +1.0% | -2.2% |
| Jan 26 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $40.30 | $40.70 | +1.0% | -1.4% | +0.3% | -0.5% | -8.3% | -0.6% |
| Dec 15 | Truist | Maintains | Buy → Buy | — | $43.98 | $45.84 | +4.2% | +1.0% | +0.5% | +1.9% | -5.6% | +1.6% |
| Oct 5 | JP Morgan | Upgrade | Neutral → Overweight | — | $27.36 | $28.57 | +4.4% | +6.4% | -1.1% | +0.5% | +0.6% | -0.0% |
| Sep 27 | Truist | Maintains | Buy → Buy | — | $28.87 | $28.62 | -0.9% | -1.0% | +0.2% | +1.0% | -2.4% | -4.1% |
| Jul 27 | JP Morgan | Maintains | Neutral → Neutral | — | $35.76 | $36.83 | +3.0% | +1.6% | +3.2% | +1.0% | -1.2% | +0.1% |
| Jul 27 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $35.76 | $36.83 | +3.0% | +1.6% | +3.2% | +1.0% | -1.2% | +0.1% |
| Jun 29 | Truist | Maintains | Buy → Buy | — | $25.22 | $26.38 | +4.6% | +5.0% | -0.7% | +1.4% | -0.8% | -1.8% |
| May 2 | Truist | Maintains | Buy → Buy | — | $22.63 | $22.33 | -1.3% | -3.0% | -1.1% | -4.1% | +3.8% | -4.0% |
| Apr 28 | JP Morgan | Upgrade | Underweight → Neutral | — | $23.09 | $23.50 | +1.8% | +2.0% | -3.9% | -3.0% | -1.1% | -4.1% |
| Apr 6 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $24.20 | $23.68 | -2.1% | +0.5% | -0.1% | +1.6% | -1.4% | +0.6% |
| Mar 23 | Truist | Maintains | Buy → Buy | — | $25.57 | $25.80 | +0.9% | -4.3% | +0.3% | +0.7% | -1.5% | +0.0% |
| Feb 1 | Truist | Maintains | Buy → Buy | — | $34.23 | $34.00 | -0.7% | +1.4% | +6.7% | -0.7% | -2.1% | +1.2% |
| Dec 13 | JP Morgan | Downgrade | Neutral → Underweight | — | $32.59 | $32.01 | -1.8% | -6.3% | +1.2% | -5.8% | -2.3% | +2.4% |
| Sep 28 | Piper Sandler | Maintains | Neutral → Neutral | — | $33.39 | $33.12 | -0.8% | -0.7% | -6.6% | -1.2% | +4.1% | +8.1% |
| Sep 14 | Truist | Maintains | Buy → Buy | — | $34.50 | $34.51 | +0.0% | -0.6% | +3.5% | -1.4% | -0.1% | -0.3% |
| Aug 15 | Truist | Maintains | Buy → Buy | — | $42.61 | $42.80 | +0.4% | +1.4% | -0.7% | -5.6% | +1.3% | -4.3% |
| Jul 7 | Raymond James | Downgrade | Outperform → Market Perform | — | $33.40 | $33.31 | -0.3% | +1.0% | -2.2% | -3.1% | -0.4% | -1.5% |
| Jul 1 | JP Morgan | Downgrade | Overweight → Neutral | — | $33.89 | $33.00 | -2.6% | +1.2% | +2.0% | -4.6% | +1.0% | -2.2% |
| Jun 29 | Piper Sandler | Maintains | Neutral → Neutral | — | $34.37 | $34.69 | +0.9% | -1.0% | -0.4% | +1.2% | +2.0% | -4.6% |
| Jun 15 | Truist | Maintains | Buy → Buy | — | $34.40 | $34.80 | +1.2% | +0.1% | -4.6% | +4.0% | -0.6% | -0.7% |
| Jun 13 | Truist | Maintains | Buy → Buy | — | $36.35 | $35.07 | -3.5% | -6.7% | +1.5% | +0.1% | -4.6% | +4.0% |
| Apr 29 | Raymond James | Maintains | Outperform → Outperform | — | $45.56 | $44.54 | -2.2% | -7.1% | +2.4% | +3.6% | +1.2% | -3.4% |
| Feb 17 | JP Morgan | Maintains | Overweight → Overweight | — | $65.81 | $65.71 | -0.2% | -3.0% | -0.3% | -5.0% | -2.2% | +4.2% |
| Jan 27 | Raymond James | Maintains | Outperform → Outperform | — | $58.01 | $58.00 | -0.0% | -6.9% | +1.7% | +7.2% | -0.2% | +1.1% |
| Nov 1 | Raymond James | Maintains | Outperform → Outperform | — | $89.18 | $85.69 | -3.9% | +2.3% | +1.2% | +4.7% | +1.2% | -1.2% |
| Oct 29 | JP Morgan | Upgrade | Neutral → Overweight | — | $77.79 | $79.64 | +2.4% | +14.6% | +2.3% | +1.2% | +4.7% | +1.2% |
| Oct 7 | Raymond James | Downgrade | Strong Buy → Outperform | — | $66.71 | $66.15 | -0.8% | -0.0% | +0.0% | -0.8% | +0.3% | +1.1% |
| Apr 12 | JP Morgan | Maintains | Neutral → Neutral | — | $70.09 | $70.50 | +0.6% | +1.6% | -3.6% | +1.8% | +1.6% | +0.8% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| May 21, 2026 | MAHAN JAMES S IIIDir/Off | Chief Executive Officer | Sell | 3,388 | $37.42 | $127K | 2,907,844 | -0.34% | +1.20% |
| May 21, 2026 | MAHAN JAMES S IIIDir/Off | Chief Executive Officer | Sell | 6,612 | $36.92 | $244K | 2,911,232 | -0.34% | +1.20% |
| May 14, 2026 | MAHAN JAMES S IIIDir/Off | Chief Executive Officer | Sell | 10,000 | $36.23 | $362K | 2,927,844 | -0.58% | +1.53% |
| May 13, 2026 | MAHAN JAMES S IIIDir/Off | Chief Executive Officer | Sell | 10,000 | $35.96 | $360K | 2,937,844 | +2.42% | -0.35% |
| Apr 30, 2026 | Derraik RenatoOff | Chief Info./Digital Off., Bank | Sell | 75,000 | $37.83 | $2.8M | 4,243 | +2.29% | -2.71% |
8-K
Live Oak Bancshares, Inc. -- 8-K Filing
Live Oak Bancshares' Q1 2026 earnings of $0.60 per share declined from Q4 2025 primarily due to the absence of a $24.1 million pre-tax gain from selling its Apiture subsidiary.
Apr 22
8-K · 8.01
!! High
Live Oak Bancshares, Inc. -- 8-K 8.01: Material Event / Announcement
Live Oak Bancshares' Board of Directors made an announcement on February 19, 2026, though the specific decision details aren't fully disclosed in this summary.
Feb 19
8-K · 5.02
!!! Very High
Live Oak Bancshares, Inc. -- 8-K 5.02: Executive Change
Live Oak Bancshares' CFO Phifer received a $50,000 cash bonus and 9,580 restricted stock units, indicating the bank is retaining key financial leadership through equity incentives.
Feb 13
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Barrow Hanley Mewhinney & Strauss Llc | 1,621,903 | $54M | Reduced | Mar 2026 |
| 2 | Vanguard Capital Management Llc | 1,532,771 | $51M | New | Mar 2026 |
| 3 | Vanguard Portfolio Management Llc | 908,146 | $30M | New | Mar 2026 |
| 4 | William Blair Investment Management, Llc | 722,897 | $24M | Added | Mar 2026 |
| 5 | Morgan Stanley | 546,194 | $19M | Reduced | Dec 2025 |
| 6 | Two Sigma Investments, Lp | 434,168 | $14M | Added | Mar 2026 |
| 7 | Algert Global Llc | 362,679 | $12M | Added | Mar 2026 |
| 8 | Northern Trust Corp | 324,387 | $11M | Added | Mar 2026 |
| 9 | D.e. Shaw & Co | 263,003 | $9M | Reduced | Mar 2026 |
| 10 | Raymond James Financial Inc | 262,788 | $9M | Added | Mar 2026 |
| 11 | Diamond Hill Capital Management Inc | 204,093 | $7M | Reduced | Dec 2025 |
| 12 | Bank Of America Corp /de/ | 174,613 | $6M | Reduced | Mar 2026 |
| 13 | Trust Co Of The South | 167,500 | $6M | — | Mar 2026 |
| 14 | Rice Hall James & Associates, Llc | 146,966 | $5M | Reduced | Dec 2025 |
| 15 | Ubs Group Ag | 142,825 | $5M | Reduced | Mar 2026 |
| 16 | Millennium Management | 135,590 | $4M | Reduced | Mar 2026 |
| 17 | Jpmorgan Chase & Co | 106,624 | $3M | Added | Mar 2026 |
| 18 | Aqr Capital Management Llc | 100,615 | $3M | Reduced | Mar 2026 |
| 19 | Russell Investments Group, Ltd. | 100,573 | $3M | Reduced | Mar 2026 |
| 20 | Bank Of New York Mellon Corp | 100,279 | $3M | Reduced | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$1.78B
Enterprise Value
$147.0M
P/E (TTM)
14.27x
Forward P/E
12.72x
PEG Ratio
0.50x
P/B
1.41x
P/S
1.68x
P/FCF
12.44x
EV/EBITDA
0.69x
Shares Out
46.3M
Financials (TTM)
Revenue
$1.06B
Net Income
$124.1M
EBITDA
$212.0M
Free Cash Flow
$143.5M
Op Cash Flow
$158.2M
EPS Basic
$2.24
EPS Diluted
$2.61
EPS Forward
$3.03
Gross Margin
50.1%
Op Margin
17.6%
Net Margin
11.7%
Balance Sheet
Total Assets
$15.13B
Total Liab.
$13.88B
Total Equity
$1.25B
Cash
$1.73B
LT Debt
$102.4M
Book Value/Sh
$27.32
Debt/Equity
0.08x
Current Ratio
0.13
Quick Ratio
0.13
Returns & Growth
ROE
8.5%
ROA
0.7%
ROIC
7.2%
Rev Growth YoY
+12.0%
EPS Growth YoY
+30.2%
Price Returns
2W
+5.1%
1M
+1.1%
3M
+4.9%
6M
+19.1%
12M
+38.5%
Technicals
52W High
$42.89
52W Low
$27.76
50d MA
$37.29
200d MA
$35.80
RSI (14)
51.30
ATR (14)
$1.02
Beta
1.90
Avg Volume
243K
Dividends
Div Rate
$0.19
Div Yield
0.5%
Frequency
4
Ex-Div Date
Mar 5, 2026
Analyst Price Targets
Consensus
$41.00
High
$41.00
Low
$41.00
Median
$41.00
Data updated apr 25, 2026 7:36pm
· Source: financialmodelingprep.com