Live Oak Bancshares, Inc.
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Live Oak Bancshares is well-positioned in the regional banking sector, focusing on niche markets and innovative lending solutions, which can lead to sustained growth.
- In Q2 2026, revenue increased by 8% compared to the previous quarter, reaching $151 million.
- The company has demonstrated strong earnings growth of 45.1% over the last year.
- The regional banking industry faces significant competition, which can pressure margins and market share.
- The trailing P/E ratio of 12.80 suggests the stock may be overvalued compared to industry peers.
- Live Oak's beta of 1.943 indicates higher volatility compared to the market, which may deter risk-averse investors.
Fundamentals
| Market cap | $1.60B | Enterprise value | $872.23M | Trailing P/E | 12.13 | Forward P/E | 8.19 |
| PEG | — | Price / book | 1.32 | Beta | 1.94 | Dividend yield | 0.35% |
| Revenue growth | 12.2% | Earnings growth | 45.1% | Gross margin | 0.0% | Operating margin | 38.8% |
| Profit margin | 26.5% | ROE | 11.7% | ROA | 0.9% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | buy | Mean target | $42.75 |
| 52w high | $44.53 | 52w low | $29.36 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $151M | $140M | $133M | $142M | $138M |
| Op margin | — | — | — | — | — |
| Net income | $36.8M | $30.0M | $46.2M | $26.5M | $23.4M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +8% vs prior quarter ($151M vs $140M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $541M | $482M | $426M | $392M | — |
| Op margin | — | — | — | — | — |
| Net income | $106M | $77.5M | $73.9M | $176M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-07 · Live Oak Bancshares, Inc. Announces Date of Third Quarter 2026 Financial Results
2026-10-07 · 3 Financial Stocks Winning From Higher Cash Yields
2026-10-07 · Why Live Oak Bancshares (LOB) Stock Is Nosediving
2026-10-02 · 2 Russell 2000 Stocks to Target This Week and 1 We Turn Down
2026-09-25 · 1 Safe-and-Steady Stock with Exciting Potential and 2 That Underwhelm
2026-09-24 · 3 US Financial Stocks To Watch If Higher Treasury Yields Keep Pressuring Rates
2026-09-14 · Live Oak Bank Named Official Business Bank of UNCW Athletics
2026-09-08 · Live Oak Bancshares Insider Sold Shares Worth $264,220, According to a Recent SEC Filing
2026-09-02 · What Live Oak Bancshares (LOB)'s Shrinking EPS Despite Rising Revenue Means For Shareholders
2026-09-02 · Live Oak Bancshares (LOB) Stock Could Be 46% Undervalued On Earnings Strength
2026-09-02 · Why Live Oak Bancshares (LOB) Is Back In The Spotlight
2026-09-01 · 2 Reasons LOB is Risky and 1 Stock to Buy Instead
Price (daily)
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