Financial Services
Live Oak Bancshares, Inc.(LOB)
Live Price
Offline$38.59
+0.86% today
1Y Change
+30.54%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $1.73B
- Revenue Growth
- +12.0%
- EPS Growth
- +30.2%
- Dividend Yield
- 0.3%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Live Oak Bancshares, Inc. (LOB) is a Financial Services stock with a market cap of $1.73B and listed on NYSE. The stock last traded around $38.59 and up 30.5% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +12.0%, EPS growth of +30.2%, a dividend yield of 0.3%. What stands out right now is revenue +12.0%, EPS +30.2%, free cash flow -70.5% with operating margin 17.6% and ROIC 0.8%. The dividend is present but secondary, with a yield around 0.3%. Valuation is more restrained than many high-expectation growth names at P/E 13.9 and price/sales 1.6. Stock Foundry combines LOB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+12.0% vs +3.4% peer median
Operating Margin
Above sector median
+17.6% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +12.0% and EPS at +30.2%, with operating margin around 17.6%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.9% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | +3.3% | +4.2% | +2.1% |
2026 Jan 21, 2026 | +69.6% | +4.5% | -1.8% | +3.0% |
2025 Oct 22, 2025 | -5.2% | -3.3% | -8.1% | -13.9% |
Benchmark Edge
LOB vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
LOB
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
LOB Max Drawdown
-24.04%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for LOB and SPY.
Company Overview
Live Oak Bancshares, Inc.
New York Stock Exchange
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.
- Leadership
- James S. Mahan
- IPO Date
- Jul 23, 2015
- Employees
- 1.0k
- Street Address
- 1741 Tiburon Drive
- Mailing
- Wilmington, NC, 28403
- Region
- Wilmington, NC, US
- Reporting Currency
- USD
- Investor Line
- 910 790 5867
- Last Updated
- May 1, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.9
- EV/EBITDA
- 5.0
- Price/Sales
- 1.6
- Price/Book
- 1.3
Growth
- Revenue
- +12.0%
- EPS
- +30.2%
- Free Cash Flow
- -70.5%
Profitability
- Gross Margin
- 50.1%
- Operating Margin
- 17.6%
- Net Margin
- 11.7%
- ROE
- 10.4%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 0.08
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.