LOB

NEUTRAL

$37.82 Live

Live Oak Bancshares, Inc. · NYSE

Target $42.75 (+13.0%)

$25.53 52W Range $42.89

LOB Live Oak Bancshares, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

LOB Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$37.82

Analyst Target

$42.75

+13.0% Upside

52W High

$42.89

52W Low

$25.53

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026

Market cap

$1.75B

P/E

14.44

ROE

10.9%

Profit margin

24.6%

Debt/Equity

N/A

Dividend yield

0.32%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

LOB presents a stark contradiction between valuation and fundamental health. While the stock is priced attractively near its Graham Number ($38.44) and shows explosive YoY earnings growth (185.7%), the Piotroski F-Score of 2/9 indicates severe weakness in financial health. This fundamental fragility is compounded by bearish insider activity, specifically significant sales by the CEO and CFO. Despite analyst 'buy' recommendations and a high growth-based intrinsic value, the poor health score and insider sentiment suggest significant underlying risk.

Key Strengths

Strong valuation with a low Forward P/E of 9.11

Explosive YoY earnings growth of 185.70%

Robust revenue growth of 29.10% YoY

Current price is aligned with the defensive Graham Number ($38.44)

Positive 1-year price performance (+41.9%)

Key Risks

Critical financial health weakness indicated by a Piotroski F-Score of 2/9

Bearish insider sentiment with heavy selling by the CEO and CFO

Poor earnings consistency, beating estimates in only 1 of the last 4 quarters

Technical trend is currently rated as 0/100 (Bearish)

Low dividend yield (0.32%) provides little downside protection

AI Fair Value Estimate

Based on comprehensive analysis

$40.1

+6.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Value Trap Risk

Key drivers: Low P/E and Graham alignment, Critical Piotroski F-Score failure, Aggressive insider selling, High growth vs low consistency

Confidence

90%

Value

85/100

Ref P/E 14.44, Graham Number $38.44

Positives

P/E of 14.44 is low relative to sector
Price is almost exactly at Graham Number

Watchpoints

Trades significantly below growth-based intrinsic value, suggesting market skepticism

Future

60/100

Ref 185.7% Earnings Growth vs 1/4 beat rate

Positives

High YoY Revenue and Earnings growth

Watchpoints

Frequent earnings misses in recent quarters
Bearish technical trend

Past

55/100

Ref 5Y Change -39.9%

Positives

Strong 1Y and 6M price recovery

Watchpoints

Negative 5Y change (-39.9%)

Health

15/100

Ref Piotroski F-Score 2/9

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score of 2/9 is in the 'Weak' category

Dividend

30/100

Ref Yield 0.32%, Payout 4.58%

Positives

Very low payout ratio (4.58%) suggests capacity to increase

Watchpoints

Negligible yield of 0.32%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$37.82

Analyst Target

$42.75

Upside/Downside

+13.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LOB and closest competitors.

Updated 2026-04-29

Company	5Y	3Y	1Y	6M	1M	1W
LOB Live Oak Bancshares, Inc. Primary	-39.9%	+68.9%	+41.9%	+18.9%	+17.2%	+4.2%
GAB The Gabelli Equity Trust Inc. Peer	+36.2%	+37.8%	+17.0%	-1.7%	+0.7%	-3.1%
FSUN FirstSun Capital Bancorp Peer	+57.4%	+37.4%	+9.5%	-6.8%	+4.5%	+3.0%
BLX Banco Latinoamericano de Comercio Exterior, S. A. Peer	+299.4%	+227.1%	+29.8%	+12.0%	+5.6%	+3.8%
SRCE 1st Source Corporation Peer	+76.8%	+81.6%	+33.1%	+27.1%	+8.1%	+1.9%

LOB

Live Oak Bancshares, Inc.

Primary

-39.9%

+68.9%

+41.9%

+18.9%

+17.2%

+4.2%

GAB

The Gabelli Equity Trust Inc.

Peer

+36.2%

+37.8%

+17.0%

-1.7%

+0.7%

-3.1%

FSU

FirstSun Capital Bancorp

Peer

+57.4%

+37.4%

+9.5%

-6.8%

+4.5%

+3.0%

BLX

Banco Latinoamericano de Comercio Exterior, S. A.

Peer

+299.4%

+227.1%

+29.8%

+12.0%

+5.6%

+3.8%

SRC

1st Source Corporation

Peer

+76.8%

+81.6%

+33.1%

+27.1%

+8.1%

+1.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

14.44

9.11

N/A

1.51

3.41

2.21

N/A

$1.75B

Profitability

Profit margins and return metrics

Profit Margin 24.64%

Operating Margin 35.48%

Gross Margin N/A

ROE 10.89%

ROA 0.87%

Growth

Revenue and earnings growth rates

Revenue Growth +29.1%

Earnings Growth +185.7%

Q/Q Revenue Growth +6.55%

Q/Q Earnings Growth +209.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$17.66

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22

$N/A

2026-04-22

$0.63

+9.8% surprise

2026-01-21

$0.47

-16.3% surprise

2025-10-22

$0.59

-2.2% surprise

Financial Services Sector Comparison

Comparing LOB against 884 companies in the Financial Services sector (145 bullish, 379 neutral, 360 bearish)

P/E Ratio

14.44

This Stock

34.45

Sector Avg

-58.1% (Discount)

Return on Equity (ROE)

10.89%

This Stock

-0.15%

Sector Avg

-7194.1% (Below Avg)

Profit Margin

24.64%

This Stock

92.61%

Sector Avg

-73.4% (Weaker)

Revenue Growth

29.1%

This Stock

35.15%

Sector Avg

-17.2% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
LOB Live Oak Bancshares, Inc.	NEUTRAL	$1.75B	14.44	10.9%	24.6%	$37.82
GAB The Gabelli Equity Trust Inc.	BULLISH	$1.75B	5.72	15.8%	847.5%	$5.61	Compare
FSUN FirstSun Capital Bancorp	BULLISH	$1.77B	10.55	8.9%	24.8%	$37.78	Compare
BLX Banco Latinoamericano de...	NEUTRAL	$1.72B	7.9	15.0%	72.1%	$46.76	Compare
SRCE 1st Source Corporation	BULLISH	$1.78B	11.33	12.7%	37.6%	$73.9	Compare

LOB Live Oak Bancshares, Inc.

NEUTRAL

Mkt Cap

$1.7B

P/E

14.4

ROE

10.9%

Price

$37.82

Compare with LOB

Compare with LOB

Compare with LOB

SRCE 1st Source Corporation

Compare with LOB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-12	MAHAN JAMES S III	Chief Executive Officer	Sale	20,000	$653,321
2026-03-05	MAHAN JAMES S III	Chief Executive Officer	Sale	20,000	$721,195
2026-03-02	SEWARD GREGORY W	General Counsel	Sale	3,000	$110,100
2026-03-02	PHIFER WALTER J.	Chief Financial Officer	Sale	4,712	$172,379
2026-02-26	MAHAN JAMES S III	Chief Executive Officer	Sale	20,000	$786,999
2026-02-23	SUTHERLAND JOHN W	Officer	Stock Award	178	-
2026-02-23	SEWARD GREGORY W	General Counsel	Stock Award	1,000	-
2026-02-23	SPENCER COURTNEY	Officer	Stock Award	2,000	-
2026-02-23	PHIFER WALTER J.	Chief Financial Officer	Stock Award	69	-
2026-02-23	CAIRNS MICHAEL J.	Officer	Stock Award	145	-
2026-02-23	MOROZ MARK MICHAEL	Officer	Stock Award	4,000	-
2026-02-19	MAHAN JAMES S III	Chief Executive Officer	Sale	20,000	$803,598
2026-02-17	LOSCH WILLIAM C. III	President	Stock Award	1,264	-
2026-02-17	SUTHERLAND JOHN W	Officer	Stock Award	316	-
2026-02-17	SEWARD GREGORY W	General Counsel	Stock Award	2,370	-

MAHAN JAMES S III

Chief Executive Officer

Sell

2026-03-12

20,000 shares · $653,321

MAHAN JAMES S III

Chief Executive Officer

Sell

2026-03-05

20,000 shares · $721,195

SEWARD GREGORY W

General Counsel

Sell

2026-03-02

3,000 shares · $110,100

PHIFER WALTER J.

Chief Financial Officer

Sell

2026-03-02

4,712 shares · $172,379

MAHAN JAMES S III

Chief Executive Officer

Sell

2026-02-26

20,000 shares · $786,999

SUTHERLAND JOHN W

Officer

Stock Award

2026-02-23

178 shares

SEWARD GREGORY W

General Counsel

Stock Award

2026-02-23

1,000 shares

SPENCER COURTNEY

Officer

Stock Award

2026-02-23

2,000 shares

PHIFER WALTER J.

Chief Financial Officer

Stock Award

2026-02-23

69 shares

CAIRNS MICHAEL J.

Officer

Stock Award

2026-02-23

145 shares

MOROZ MARK MICHAEL

Officer

Stock Award

2026-02-23

4,000 shares

MAHAN JAMES S III

Chief Executive Officer

Sell

2026-02-19

20,000 shares · $803,598

LOSCH WILLIAM C. III

President

Stock Award

2026-02-17

1,264 shares

SUTHERLAND JOHN W

Officer

Stock Award

2026-02-17

316 shares

SEWARD GREGORY W

General Counsel

Stock Award

2026-02-17

2,370 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-22

LOB reported its first-quarter financial results for the period ending March 31, 2026.

DEF 14A

2026-04-02

LOB filed a definitive proxy statement on April 2, 2026, providing shareholders with necessary information and voting materials for its upcoming annual meeting.

10-K

2026-02-27

LOB filed its 10-K annual report on February 27, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis of financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

2026-02-19

LOB likely filed this 8-K to announce its annual financial results for the fiscal year ended December 31, 2025.

8-K

2026-02-13

LOB likely reported its fourth quarter and full-year financial results for the fiscal year ending December 31, 2025.

8-K

2026-01-21

LOB filed an 8-K on January 21, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2025-12-01

8-K

2025-11-18

LOB filed a current report on November 18, 2025, likely announcing its third-quarter financial results.

10-Q

2025-11-17

Live Oak Bancshares, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2025, on November 17, 2025. While the filing includes sections for financial information and risk factors, specific financial highlights and risk details were not provided in the available excerpt.

8-K

2025-11-12

LOB filed an 8-K on November 12, 2025, likely to report its third-quarter financial results.

8-K

2025-10-22

8-K

2025-08-29

8-K

2025-08-19

8-K

2025-08-19

8-K/A

2025-08-15

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

4 analysts

TD Cowen

2026-04-27

Maintains

Buy Buy

Piper Sandler

2026-04-27

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2026-04-24

Maintains

Outperform Outperform

TD Cowen

2026-02-03

Maintains

Buy Buy

Past News Coverage

Recent headlines mentioning LOB from our newsroom.

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LOB

LOB Live Oak Bancshares, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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