Live Oak Bancshares, Inc. (LOB)

US — Financial Services Sector
Peers: AX  CWBC  FCAP  GSHD  HBCP  KNSL  NBHC  WD 

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Key Metrics & Ratings

  • symbol LOB
  • Rev/Share 21.3426
  • Book/Share 22.6021
  • PB 1.5565
  • Debt/Equity 0.1073
  • CurrentRatio 0.1166
  • ROIC 0.0485

 

  • MktCap 1601967439.0
  • FreeCF/Share 11.4085
  • PFCF 3.077
  • PE 28.5107
  • Debt/Assets 0.0081
  • DivYield 0.0034
  • ROE 0.0561

 

  • Rating C-
  • Score 1
  • Recommendation Strong Sell
  • P/E Score 1
  • DCF Score 3
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Upgrade LOB Keefe Bruyette Market Perform Outperform -- $43 Aug. 19, 2025

News

LOB.PR.A: 8.375% Preferred Stock IPO From Live Oak Bancshares
LOB
Published: August 15, 2025 by: Seeking Alpha
Sentiment: Positive

Live Oak Bancshares new preferred issue offers an 8.375% nominal yield, but its credit risk is high and its appreciation potential is limited compared to discounted peers. Live Oak Bancshares has solid asset coverage, but the common dividend cushion is less than what we'd like to see. LOB-A is priced at par, making it vulnerable to interest rate up-shift and less attractive than peers trading at a discount, on a down-shift.

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image for news LOB.PR.A: 8.375% Preferred Stock IPO From Live Oak Bancshares
Live Oak Bancshares, Inc. (LOB) Q1 2025 Earnings Call Transcript
LOB
Published: April 24, 2025 by: Seeking Alpha
Sentiment: Neutral

Live Oak Bancshares, Inc. (NYSE:LOB ) Q1 2025 Earnings Conference Call April 24, 2025 9:00 AM ET Company Participants Greg Seward - General Counsel and Chief Risk Officer Chip Mahan - Chairman and Chief Executive Officer BJ Losch - President Walt Phifer - Chief Financial Officer Michael Cairns - Chief Credit Officer Conference Call Participants Crispin Love - Piper Sandler Tim Switzer - KBW David Feaster - Raymond James Operator Good morning, ladies and gentlemen, and welcome to the Q1 2025 Live Oak Bancshares Earnings Call. At this time, all participant lines are in the listen-only mode.

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image for news Live Oak Bancshares, Inc. (LOB) Q1 2025 Earnings Call Transcript

About Live Oak Bancshares, Inc. (LOB)

  • IPO Date 2015-07-23
  • Website https://www.liveoakbank.com
  • Industry Banks - Regional
  • CEO James S. Mahan III
  • Employees 1008
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.