LOB Company Profile and Key Details
NYSE : LOB
Live Oak Bancshares
$42.46
-0.25-0.58%
At Close 4:00 PM71.17
BESG ScoreESG Rating
Price Chart
Stock Price Today
Live Oak Bancshares, Inc. (LOB) stock declined over -0.59%, trading at $42.46 on NYSE, down from the previous close of $42.71. The stock opened at $42.62, fluctuating between $41.90 and $42.99 in the recent session.
Stock Snapshot
42.71
Prev. Close
1.96B
Market Cap
41.9
Day Low
16.27
P/E Ratio
2.61
EPS (TTM)
36.85
Cash Flow per Share
42.62
Open
46.26M
Number of Shares
42.99
Day High
76.31%
Free Float in %
26.46
Book Value
139.83K
Volume
Relevant Articles
SEC Fillings
Current Report (8-k)
| Filing Date | Accepted Date | |
|---|---|---|
Annual Report (10-k)
| Filing Date | Accepted Date | |
|---|---|---|
Stock Price History Chart
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Jul 30, 2026 | 42.89 | 42.99 | 41.90 | 42.46 | 143.27K |
| Jul 29, 2026 | 42.52 | 43.23 | 42.10 | 42.71 | 236.42K |
| Jul 28, 2026 | 42.62 | 42.95 | 42.01 | 42.92 | 191.18K |
| Jul 27, 2026 | 42.35 | 43.16 | 41.88 | 42.18 | 293.99K |
| Jul 24, 2026 | 42.87 | 43.00 | 42.02 | 42.08 | 253.66K |
| Jul 23, 2026 | 41.31 | 42.68 | 40.28 | 42.65 | 539.09K |
| Jul 22, 2026 | 41.31 | 41.54 | 40.51 | 41.05 | 206.73K |
| Jul 21, 2026 | 41.55 | 41.67 | 40.86 | 41.67 | 202.03K |
| Jul 20, 2026 | 42.21 | 42.50 | 41.38 | 41.63 | 161.5K |
| Jul 17, 2026 | 43.14 | 43.48 | 42.27 | 42.48 | 220.17K |
| Jul 16, 2026 | 42.30 | 43.85 | 42.30 | 43.69 | 276.59K |
| Jul 15, 2026 | 41.70 | 42.49 | 41.60 | 42.19 | 257.72K |
| Jul 14, 2026 | 41.61 | 41.98 | 41.29 | 41.54 | 109.65K |
| Jul 13, 2026 | 41.65 | 41.95 | 41.20 | 41.52 | 150.1K |
| Jul 10, 2026 | 41.20 | 41.73 | 41.13 | 41.65 | 200.22K |
| Jul 09, 2026 | 40.48 | 41.44 | 40.48 | 41.32 | 192.18K |
| Jul 08, 2026 | 40.75 | 40.79 | 39.85 | 40.37 | 265.81K |
| Jul 07, 2026 | 41.76 | 41.98 | 41.09 | 41.11 | 168.25K |
| Jul 06, 2026 | 41.35 | 41.82 | 40.74 | 41.80 | 194.5K |
| Jul 02, 2026 | 42.20 | 42.25 | 40.64 | 41.05 | 228.68K |
Contact Details
About Company
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.
Company Information
| Employees | 1027 |
| Beta | 1.88 |
| Sales or Revenue | $433.58M |
| 5Y Sales Change% | 1.768% |
| Fiscal Year Ends | December |
| Sector | Financial Services |
| Industry | Banks - Regional |
Stock Peers
USB-PA
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The PNC Financial Services Group, Inc.$248.71MTB-3.33-1.33%
M&T Bank Corporation$247.00CUBI-PE-0.70221-0.34%
Customers Bancorp, Inc.$205.87NIC-1.5-0.88%
Nicolet Bankshares, Inc.$169.55CFR-3.44-2.06%
Cullen/Frost Bankers, Inc.$163.49KB8.69+7.73%
KB Financial Group Inc.$121.09SSB-0.45-0.43%
SouthState Bank Corp.$105.26PNFP0.09999634+0.10%
Pinnacle Financial Partners, Inc.$104.84AX0.3+0.31%
Axos Financial, Inc.$98.48Company Overview
Live Oak Bancshares, Inc. (NYSE:LOB) closed at $42.46 USD, losing -$0.25 (-0.59%) from the previous close of $42.71. The stock is currently within 5% of its 52-week high $29.36 and $43.85. With a market capitalization of about $1.96 billion, Live Oak Bancshares, Inc. is classified as a small-cap and shows higher-than-market volatility (beta ~1.88). Key stats such as the average daily volume over the past year has been around 258.14 thousand shares, volume is running light vs its 52-week average. Headquartered in Wilmington, NC, Live Oak Bancshares, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO James S. Mahan, the company employs approximately 1,027 people and listed since July 23, 2015. Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company.
Technical Performance
Short-term trend indicators are bearishly aligned (SMA20 -2.39%, SMA50 3.28%, SMA200 15.98%). The stock’s 14-day RSI is 49.84 (neutral), while the ATR of 1.56 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -8.23% below its high and over 73.54% above its low. Average 10-day trading volume of 247.54 thousand shares is in line with the 3-month average of 254.34 thousand, indicating normal recent market interest.
Dividend & Fair Value
Live Oak Bancshares, Inc. last paid a dividend of 0.12 per share, this equals a trailing yield of roughly 0.28%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $54.87. This means the shares are trading below this model’s fair value.
Earnings & Analyst Outlook
Live Oak Bancshares, Inc. generated EPS of $2.23 over the past year. Five-year average earnings growth is 9.36%. The latest quarter delivered EPS of $0.74. The next quarter is forecast at $0.58. Next year's EPS is expected at $48.52. Analyst sentiment is bullish. Analyst rating data shows there are 3 Strong Buy ratings, 3 Buy ratings, 4 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $51.00 to $35.00. The high target offers 20.11% upside. The low target suggests -17.57% downside. The mean target is $44.10. This offers 3.86% upside. Live Oak Bancshares, Inc. earnings surprise history is a mixed track record. The quarter that ended July 22, 2026, missed forecasts by 9.31%. The prior quarter beat by 11.11%. Over the last six quarters, Apple has recorded several small beats. These include -44.74% in April 23, 2025.
Shareholding & Insider Activity
Live Oak Bancshares, Inc. has 46.26 million shares outstanding. The public float is 36.02 million shares, elevated short interest at 6.74% of float. This equals 1.99 million shares. The short ratio is 6.29 days. Institutional investors hold 92.94% of the float. Insiders own 22.82%. MAHAN JAMES S III holds 2.85 million shares, Underwood Neil Lawrence has 1.38 million shares and WILLIAMS WILLIAM L. III has 1.12 million shares. Over the past six months, insider transactions show net selling. They sold 199.09 thousand shares across 28 transactions.
Financial & Profitability Overview
On valuation metrics, Live Oak Bancshares trades at a P/E of 14.70, P/S of 1.81 and P/B of 1.49. Debt-to-equity is 0.08, supported by a cash flow-to-debt ratio of 1.41.
Quarterly Financial Highlights
The company ended the quarter with $1.71B in cash and short-term investments, a total debt of $23.35M, and net debt of - $559.44M. Total assets were $11.27B, with equity of $902.67M. Financials further reflected stability, with operating cash flow of $620.07M, free cash flow of $573.23M, and capital expenditures of - $46.84M.
Frequently Asked Questions
What is the current Live Oak Bancshares, Inc. (LOB) stock price?
Live Oak Bancshares, Inc. (NYSE: LOB) stock price is $42.46 in the last trading session. During the trading session, LOB stock reached the peak price of $42.99 while $41.90 was the lowest point it dropped to. The percentage change in LOB stock occurred in the recent session was -0.59% while the dollar amount for the price change in LOB stock was - $0.25.
LOB's industry and sector of operation?
The NYSE listed LOB is part of Banks - Regional industry that operates in the broader Financial Services sector. Live Oak Bancshares, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.
Who are the executives of LOB?
Mr. Huntley Garriott Jr.
Pres of Live Oak Banking Company
Mr. William C. Losch III
Chief Financial Officer & Chief Banking Officer
Mr. Renato Derraik
Chief Information & Digital Officer of Bank
Mr. Steven J. Smits
Chief Credit Officer
Mr. Neil Lawrence Underwood
Pres & Director
Mr. William L. Williams III
Vice Chairman & Executive Vice President
Mr. Gregory W. Seward
Chief Risk Officer & Gen. Counsel
Mr. Mark Moroz
EVice President & Head of Deposits
Ms. Claire Parker
Senior Vice President of Corporation Communications
Mr. Micah S. Davis
Chief Marketing & Communications Officer
Mr. James S. Mahan III
Chairman & Chief Executive Officer
Mr. John Wesley Sutherland
Chief Accounting Officer
Pres of Live Oak Banking Company
Mr. William C. Losch III
Chief Financial Officer & Chief Banking Officer
Mr. Renato Derraik
Chief Information & Digital Officer of Bank
Mr. Steven J. Smits
Chief Credit Officer
Mr. Neil Lawrence Underwood
Pres & Director
Mr. William L. Williams III
Vice Chairman & Executive Vice President
Mr. Gregory W. Seward
Chief Risk Officer & Gen. Counsel
Mr. Mark Moroz
EVice President & Head of Deposits
Ms. Claire Parker
Senior Vice President of Corporation Communications
Mr. Micah S. Davis
Chief Marketing & Communications Officer
Mr. James S. Mahan III
Chairman & Chief Executive Officer
Mr. John Wesley Sutherland
Chief Accounting Officer
How LOB did perform over past 52-week?
LOB's closing price is 44.62% higher than its 52-week low of $29.36 where as its distance from 52-week high of $43.85 is -3.17%.
How many employees does LOB have?
Number of LOB employees currently stands at 1,027.
Link for LOB official website?
Official Website of LOB is: https://www.liveoak.bank
How do I contact LOB?
LOB could be contacted at phone 910 790 5867 and can also be accessed through its website. LOB operates from 1741 Tiburon Drive, Wilmington, NC 28403, United States.
How many shares of LOB are traded daily?
LOB stock volume for the day was 139.83K shares. The average number of LOB shares traded daily for last 3 months was 258.15K.
What is the market cap of LOB currently?
The market value of LOB currently stands at $1.96B with its latest stock price at $42.46 and 46.26M of its shares outstanding.
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