LOB Stock Analysis: Live Oak Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.684m USD | 12M Return: 3.6% | US53803X1054 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.06M
EPS Trend: -9.4%
Qual. Beats: 0
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Live Oak Bancshares, Inc. (NYSE: LOB) is the bank holding company for Live Oak Banking Company, a U.S. commercial bank headquartered in Wilmington, North Carolina. Founded in 2008 and public since 2015, the company operates as a small-cap regional bank within the Financials sector.
The companys core business is gathering deposits and originating commercial loans, including commercial and industrial loans, construction and development loans, owner-occupied and non-owner-occupied commercial real estate loans, and commercial land loans. Beyond traditional lending, Live Oak provides settlement, accounting, and securitization services for government-guaranteed loans, positioning it as a significant participant in the U.S. Small Business Administration (SBA) lending market, which is a notable niche for community and regional banks.
Live Oak also operates diversified financial businesses outside its core banking franchise. These include financing for the renewable energy industry, wealth and investment management services for high-net-worth individuals and families, and investment advisory services to funds that supply venture capital to emerging financial technology (fintech) companies. This combination of a niche commercial lending focus with adjacent fee-based and investment services distinguishes the firm from many of its regional bank peers.
- SBA loan originations and securitization gains boost fee income
- Net interest margin compresses on rising deposit costs
- Renewable energy loan portfolio outpaces legacy segment growth
| Net Income: 137.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -5.10 > 1.0 |
| NWC/Revenue: -1.18k% < 20% (prev -1.15k%; Δ -28.19% < -1%) |
| CFO/TA -0.00 > 3% & CFO -36.3m > Net Income 137.5m |
| Net Debt (-827.9m) to EBITDA (226.1m): -3.66 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.6m) vs 12m ago 1.74% < -2% |
| Gross Margin: 50.46% > 18% (prev 40.82%; Δ 9.64% > 0.5%) |
| Asset Turnover: 7.23% > 50% (prev 7.02%; Δ 0.21% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBIT TTM 202.6m / Interest Expense TTM 463.3m) |
| A: -0.80 (Total Current Assets 927.6m - Total Current Liabilities 13.7b) / Total Assets 16.0b |
| B: 0.05 (Retained Earnings 869.8m / Total Assets 16.0b) |
| C: 0.01 (EBIT TTM 202.6m / Avg Total Assets 14.9b) |
| D: 0.09 (Book Value of Equity 1.31b / Total Liabilities 14.7b) |
| Altman-Z'' = -4.86 = D |
As of October 06, 2026, the stock is trading at USD 36.54 with a total of 181,243 shares traded. Over the past week, the price has changed by -0.63%, over one month by -7.14%, over three months by -12.52% and over the past year by +3.59%.
Current recommended Stop Loss: 35.40 (which is 3.1% or 1.3 ATR below the current price).
Live Oak Bancshares has received a consensus analysts rating of 3.60. Therefore, it is recommended to hold LOB.
- StrongBuy: 1
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 46.8 | 27.9% |
P/E Trailing = 12.7238
P/E Forward = 10.1937
P/S = 3.1997
P/B = 1.411
Revenue TTM = 1.08b USD
EBIT TTM = 202.6m USD
EBITDA TTM = 226.1m USD
Long Term Debt = 99.8m USD (from longTermDebt, last quarter)
Short Term Debt = 542k USD (from shortTermDebt, last fiscal year)
Debt = 99.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.00k
Net Debt = -827.9m USD (calculated: Debt 99.8m - CCE 927.6m)
Enterprise Value = 856.4m USD (1.68b + Debt 99.8m - CCE 927.6m)
Interest Coverage Ratio = 0.44 (Ebit TTM 202.6m / Interest Expense TTM 463.3m)
EV/FCF = -16.40x (Enterprise Value 856.4m / FCF TTM -52.2m)
FCF Yield = -6.10% (FCF TTM -52.2m / Enterprise Value 856.4m)
FCF Margin = -4.83% (FCF TTM -52.2m / Revenue TTM 1.08b)
Net Margin = 12.73% (Net Income TTM 137.5m / Revenue TTM 1.08b)
Gross Margin = 50.46% ((Revenue TTM 1.08b - Cost of Revenue TTM 535.1m) / Revenue TTM)
Gross Margin QoQ = 47.82% (prev 48.23%)
Tobins Q-Ratio = 0.05 (Enterprise Value 856.4m / Total Assets 16.0b)
Interest Expense / Debt = 464.4% (Interest Expense 463.3m / Debt 99.8m)
Taxrate = 32.25% (65.3m / 202.6m)
NOPAT = 137.2m (EBIT 202.6m * (1 - 32.25%))
Current Ratio = 0.07 (Total Current Assets 927.6m / Total Current Liabilities 13.7b)
Debt / Equity = 0.08 (Debt 99.8m / totalStockholderEquity, last quarter 1.31b)
Debt / EBITDA = -3.66 (Net Debt -827.9m / EBITDA 226.1m)
Debt / FCF = 15.85 (negative FCF - burning cash) (Net Debt -827.9m / FCF TTM -52.2m)
Total Stockholder Equity = 1.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.92% (Net Income 137.5m / Total Assets 16.0b)
RoE = 10.91% (Net Income TTM 137.5m / Total Stockholder Equity 1.26b)
RoCE = 14.90% (EBIT 202.6m / Capital Employed (Equity 1.26b + L.T.Debt 99.8m))
RoIC = 5.98% (NOPAT 137.2m / Invested Capital 2.30b)
WACC = 9.48% (E(1.68b)/V(1.78b) * Re(10.04%) + (debt cost/tax rate unavailable))
Discount Rate = 10.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.33 | Cagr: 0.92%
[DCF] Fair Price = unknown (Cash Flow -52.2m)
EPS Correlation: -9.38 | EPS CAGR: -2.22% | SUE: 0.70 | # QB: 0
Revenue Correlation: 98.36 | Revenue CAGR: 14.73% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.82 | Chg30d=+1.48% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=3.12 | Chg30d=+1.48% | Revisions=+50% | GrowthEPS=+68.2% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=4.22 | Chg30d=+0.48% | Revisions=+57% | GrowthEPS=+35.4% | GrowthRev=+14.9%
[Analyst] Revisions Ratio: +50% (up=9, down=2)