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    L

    Live Oak Bancshares, Inc. (LOB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $35.16
    +0.74 (+2.15%)

    Market Cap: $1.61B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(27/39)
    Avg Surprise
    +20.92%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.69
    Range$0.63 - $0.87
    5 analysts
    EPS RevisionsNo revisions (7d)
    2
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$0.80-14.0%
    60d ago$0.81-14.8%
    30d ago$0.82-16.1%
    7d ago$0.82-16.1%
    Current$0.69
    Revenue Consensus
    $169M
    Range$166M - $173M
    3 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.04
    Range$0.86 - $1.36
    5 analysts
    Revenue Consensus
    $177M
    Range$173M - $183M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.04---
    Sep 26EST
    		-$0.69---
    Jun 26
    Reported Jul 22
    		$0.74$0.64+15.63%Beat+39.6%
    Mar 26
    Reported Apr 22
    		$0.63$0.58+8.62%Beat+142.3%
    Dec 25
    Reported Jan 21
    		$0.47$0.56-16.07%Miss+74.1%
    Sep 25
    Reported Oct 22
    		$0.59$0.60-1.67%Miss+110.7%
    Jun 25
    Reported Jul 23
    		$0.53$0.50+6.00%Beat-10.2%
    Mar 25
    Reported Apr 23
    		$0.26$0.37-29.73%Miss-43.5%
    Dec 24
    Reported Jan 22
    		$0.27$0.53-49.06%Miss-59.1%
    Sep 24
    Reported Oct 23
    		$0.28$0.55-49.09%Miss-68.2%
    Jun 24
    Reported Jul 24
    		$0.59$0.47+25.53%Beat+51.3%
    Mar 24
    Reported Apr 24
    		$0.46$0.47-2.13%Miss+155.6%
    Dec 23
    Reported Jan 24
    		$0.66$0.51+29.41%Beat+88.6%
    Sep 23
    Reported Oct 25
    		$0.88$0.48+83.33%Beat+158.8%
    Jun 23
    Reported Jul 25
    		$0.39$0.32+21.88%Beat-20.4%
    Mar 23
    Reported Apr 26
    		$0.18$0.35-48.57%Miss-76.3%
    Dec 22
    Reported Jan 25
    		$0.35$0.48-27.08%Miss-47.0%
    Sep 22
    Reported Oct 26
    		$0.34$0.45-24.44%Miss-55.3%
    Jun 22
    Reported Jul 27
    		$0.49$0.46+6.52%Beat-65.2%
    Mar 22
    Reported Apr 27
    		$0.76$0.70+8.57%Beat-13.6%
    Dec 21
    Reported Jan 25
    		$0.66$0.70-5.71%Miss-4.3%
    Sep 21
    Reported Oct 27
    		$0.76$0.66+15.15%Beat-8.4%
    Jun 21
    Reported Jul 21
    		$1.41$0.57+147.37%Beat+1466.7%
    Mar 21
    Reported Apr 21
    		$0.88$0.61+44.26%Beat+563.2%
    Dec 20
    Reported Jan 27
    		$0.69$0.52+32.69%Beat+305.9%
    Sep 20
    Reported Oct 21
    		$0.83$0.27+207.41%Beat+730.0%
    Jun 20
    Reported Jul 22
    		$0.09$0.04+125.00%Beat-35.7%
    Mar 20
    Reported Apr 22
    		$-0.19$0.08-337.50%Miss-416.7%
    Dec 19
    Reported Jan 23
    		$0.17$0.13+30.77%Beat-34.6%
    Sep 19
    Reported Oct 23
    		$0.10$0.13-23.08%Miss-75.0%
    Jun 19
    Reported Jul 24
    		$0.14$0.08+75.00%Beat-60.0%
    Mar 19
    Reported Apr 24
    		$0.06$0.02+200.00%Beat-80.6%
    Dec 18
    Reported Jan 23
    		$0.26$0.11+136.36%Beat-36.6%
    Sep 18
    Reported Oct 24
    		$0.40$0.36+11.11%Beat+17.6%
    Jun 18
    Reported Jul 25
    		$0.35$0.32+9.38%Beat+25.0%
    Mar 18
    Reported Apr 25
    		$0.31$0.23+34.78%Beat+63.2%
    Dec 17
    Reported Mar 8
    		$0.41$0.28+46.43%Beat+141.2%
    Sep 17
    Reported Oct 25
    		$0.34$0.19+78.95%Beat-
    Jun 17
    Reported Jul 26
    		$0.28$0.25+12.00%Beat-
    Mar 17
    Reported Apr 26
    		$0.19$0.17+11.76%Beat-
    Dec 16
    Reported Mar 9
    		$0.17$0.16+6.25%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.34%
    Forward Annual Dividend$0.12
    Payout Ratio3.99%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.00%
    5Y CAGR+0.00%
    LOB dividend history and ex-dividend datesRun LOB in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio14.47EV/EBITDA3.74x
    Price/FCF-31.16xFCF Yield-3.21%
    Profitability
    Profit Margin26.50%Operating Margin38.80%
    ROE11.70%ROIC9.86%
    Financial Health
    Debt/Equity0.08xInterest Coverage0.40x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.94Avg Volume236.60K
    52-Week High$44.5052-Week Low$29.26

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.21
    SMA 20$36.20
    SMA 50$38.80
    SMA 200$38.11
    EMA 10$35.23
    EMA 20$36.13
    EMA 50$37.88
    EMA 200$37.55

    MACD

    Line: -1.19Signal: -1.18Hist: -0.02

    ADX

    ADX: 44.2+DI: 14.3-DI: 37.8

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down96.0
    PSAR$36.70

    Bollinger Bands

    Upper Band$38.83
    Lower Band$33.58
    %B Position1451%(Upper)
    Band Width0.30

    RSI (14-Day)

    Neutral
    35.4

    Momentum Oscillators

    Stoch %K27.4
    Stoch %D22.6
    Williams %R-58.8
    ROC (10d)-3.4%
    Momentum-1.23
    CCI (20d)-72.7
    MFI (14d)25.3

    Volatility Measures

    ATR (14d)$0.95(2.7%)
    StdDev (20d)1.31
    Hist Vol26.5%(Moderate)

    Volume Flow

    VWAP$35.00
    OBV5.2M
    AD Line-9.4M
    CMF (20d)-0.130

    Volume Metrics

    Avg Vol (20d)238.5K
    Vol Ratio1.1x
    VWMA (20d)$36.06

    Pivot Points

    R3$36.39
    R2$35.63
    R1$35.02
    Pivot Point$34.26
    S1$33.65
    S2$32.89
    S3$32.28

    Advanced Oscillators

    TSI-44.79
    Ultimate Osc45.4
    KST-101.22

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$156.15M$145.47M$161.86M$146.10M$139.68M$122.90M$116.94M$129.93M$125.48M$116.21M$111.95M$127.30M
    Cost of RevenueN/A$134.56M$120.21M$138.19M$138.31M$141.54M$148.68M$146.44M$118.89M$118.67M$105.95M$101.48M
    Gross ProfitN/A$125.37M$169.23M$120.21M$118.75M$94.80M$91.24M$91.84M$111.65M$101.88M$92.13M$114.56M
    Operating Expenses$84.53M$85.29M$78.10M$87.28M$85.22M$80.81M$70.13M$77.59M$77.66M$77.74M$85.47M$74.26M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$40.08M$80.08M$36.57M$31.20M$13.13M$13.23M$17.84M$36.06M$22.11M$17.48M$42.76M
    Interest Income$241.72M$233.86M$239.66M$231.43M$224.28M$213.10M$212.57M$208.94M$198.45M$192.42M$186.54M$180.61M
    Interest Expense$116.38M$114.46M$116.53M$115.94M$115.06M$112.57M$115.09M$111.94M$107.13M$102.31M$96.96M$91.20M
    Income Before Tax$45.82M$40.08M$61.91M$36.57M$31.20M$13.13M$13.23M$17.84M$36.06M$22.11M$17.48M$42.76M
    Income Tax Expense$9.12M$10.13M$15.79M$10.11M$7.82M$3.46M$3.39M$4.82M$9.10M$-5,479,000$1.32M$2.97M
    Net Income$36.70M$29.95M$46.12M$26.47M$23.39M$9.67M$9.84M$13.03M$26.96M$27.59M$16.16M$39.79M
    EBITDA$51.88M$46.87M$71.71M$43.03M$37.84M$20.02M$19.79M$24.01M$41.26M$26.73M$22.76M$42.76M
    EBIT$45.82M$40.08M$61.91M$36.57M$31.20M$13.13M$13.23M$17.84M$36.06M$22.11M$17.48M$42.76M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Cantor Fitzgerald cuts target for Live Oak Bancshares stock to USD 41.00

    Cantor Fitzgerald has lowered its price target for Live Oak Bancshares (LOB) to $41.00 from $45.00, maintaining a neutral rating ahead of the bank's third-quarter earnings report on October 21...

    ad-hoc-news.de•10/15/26•Somewhat-Bearish

    3 Companies That Might Be Priced Below Their Estimated Worth In October 2026

    This article identifies three U.S. companies that appear to be trading below their estimated fair value as of October 2026...

    Simply Wall Street•10/15/26•Somewhat-Bullish

    Live Oak Bancshares Is Maintained at Neutral by Cantor Fitzgerald

    Cantor Fitzgerald has reiterated its "Neutral" rating on Live Oak Bancshares (LOB). This decision indicates that the firm does not foresee significant upside or downside for the stock in the near term...

    Moomoo•10/14/26•Neutral

    Live Oak Bancshares (NYSE:LOB) Stock Gets Price Target Cut from Cantor Fitzgerald

    Cantor Fitzgerald cut its price target for Live Oak Bancshares (NYSE:LOB) from $45 to $41, while maintaining a "neutral" rating. Despite the lowered target, which implies an 18% upside...

    MarketBeat•10/14/26•Somewhat-Bearish

    Piper Sandler cuts target for Live Oak Bancshares stock

    Piper Sandler has reduced its price target for Live Oak Bancshares (LOB) from USD 46.00 to USD 38.00, maintaining a Neutral rating. The cut is attributed to higher expected loan-loss provisions and the potential impact...

    ad-hoc-news.de•10/14/26•Bearish

    LOB Valuation and Fair Value

    P/E
    14.5x
    Forward P/E
    10.2x
    EV/EBITDA
    3.7x
    P/FCF
    -31.2x
    PEG
    0.0x
    P/B
    1.3x
    See GNG's fair value

    LOB Profitability: Margins, ROIC and FCF

    Operating margin
    38.8%
    Net margin
    26.5%
    ROIC
    9.9%
    ROE
    11.7%
    FCF margin
    -8.6%
    FCF yield
    -3.2%

    LOB Competitors

    CompanyTicker
    Bank First National CorpBFC
    Goosehead Insurance IncGSHD
    TriCo BancsharesTCBK
    QCR Holdings IncQCRH
    Kemper CorporationKMPR
    Origin Bancorp, Inc.OBK
    Sixth Street Specialty Lending IncTSLX
    Perella Weinberg PartnersPWP

    Sector: Financial Services

    LOB Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    1
    Buy
    1
    Hold
    3
    Sell
    0
    Strong Sell
    0

    LOB Bull Case vs Bear Case

    Bull case

    • LOB has a 26.5% net profit margin.
    • LOB grew quarterly revenue 12.2% year over year.

    Bear case

    • LOB beat EPS estimates in 37.5% of its last 8 reported quarters.

    LOB Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -14.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.69
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 2 down

    LOB Dividend

    Forward yield
    0.3%
    Payout ratio
    4.0%
    3Y DPS growth
    0.0%
    5Y DPS growth
    0.0%
    Pay months
    Mar, Jun, Sep, Dec
    LOB dividend history

    Frequently Asked Questions About LOB

    What is LOB's current dividend yield?

    Live Oak Bancshares, Inc. (LOB) has a forward dividend yield of 0.34%.

    Does LOB pay dividends?

    Yes, Live Oak Bancshares, Inc. pays dividends with a forward dividend yield of 0.34%.

    What is LOB's P/E ratio?

    Live Oak Bancshares, Inc. has a price-to-earnings (P/E) ratio of 14.47.

    What is LOB's market cap?

    Live Oak Bancshares, Inc. (LOB) has a market capitalization of $1.61B with a current stock price of $35.16.

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