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StockVS

NYSE · Banks - Regional · USD

Live Oak Bancshares, Inc. (LOB) Stock Analysis

Live Oak Bancshares, Inc. (LOB) is a Banks - Regional stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

LOB

$35.35

−$0.01 (−0.03%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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LOB Key Statistics

As of Oct 21, 2026
Trading
Open
$35.47
Previous Close
$35.36
Day's Range
34.84–35.58
52-Week Range
29.36–44.53
Volume
247.61K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.94
Valuation
Market Cap
$1.64B
P/E Ratio
12.40
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
8.26
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.11
EPS (ttm)Profit attributable to each share over the last twelve months.
2.85
Financials (FY)
Revenue (FY)
$541.23M+12.36%
Net Income (FY)
$105.87M+36.65%
Profit marginThe share of revenue left as profit after all costs and taxes.
26.51%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
46.28M
1-Year Return
+1.93%
Dividend and dates
Dividend
$0.12+0.34%
Ex-Dividend Date
September 1, 2026
Earnings Date
October 21, 2026
Avg Volume
223.36K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, LOB closed at $35.35, +1.93% over 1 year.

Live Oak Bancshares, Inc. (LOB) has a market capitalization of $1.64B.

In fiscal 2025, LOB reported revenue of $541.23M.

LOB Stock Return by Calendar Year

Live Oak Bancshares, Inc. (LOB) 10-year return: what $10,000 became

1 year
$10,000 $10,193
+1.93%
5 years
$10,000 $4,903
−50.97%
10 years
$10,000 $25,385
+153.85%

If you had invested $10,000 in Live Oak Bancshares, Inc. (LOB) 10 years ago, at the close on October 21, 2016, it would have been worth $25,385 at the close on October 21, 2026: +153.85% in total, +9.76% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+3.08%
2025−12.82%
2024−12.82%
2023+51.27%
2022−65.30%
2021+84.27%
2020+151.15%
2019+29.26%
2018−37.60%
2017+29.47%
2016 (partial year)+39.65%

As of October 21, 2026.

LOB Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$541.23M$105.87M19.6%
2024$481.69M$77.47M16.1%
2023$425.85M$73.90M17.4%
2022$391.86M$176.21M45.0%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$541.23M——$105.87M19.6%
2024$481.69M——$77.47M16.1%
2023$425.85M——$73.90M17.4%
2022$391.86M——$176.21M45.0%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

LOB Dividend History

$0.12+0.0% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.093—
2025$0.124+0.0%
2024$0.124+0.0%
2023$0.124+0.0%
YearDividends per sharePaymentsChange
2026 (partial year)$0.093—
2025$0.124+0.0%
2024$0.124+0.0%
2023$0.124+0.0%
2022$0.124+0.0%
2021$0.124+0.0%
2020$0.124+0.0%
2019$0.124+0.0%
2018$0.124+20.0%
2017$0.104+400.0%
2016$0.021—

Most recent payment: $0.03 per share, ex-dividend September 1, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

LOB Valuation vs Banks - Regional Median

Median of 326 stocks
MetricLOBBanks - Regional medianvs median
P/E12.4012.033% above
P/S ratio3.113.5813% below
Profit margin26.51%29.44%2.9 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 17 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Live Oak Bancshares, Inc. (LOB) at $1.64B. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 1,027 employees.

The 52-week range on file runs from $29.36 to $44.53. The most recent close on file for LOB is $35.35, dated October 21, 2026. That is −$0.01 (−0.03%) against the previous close. The latest close sits 20.4% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $541.23M. Against the prior fiscal year total of $481.69M, that is a change of +12.36%. The same year closed with net income of $105.87M. That is +36.65% against the prior fiscal year. The reported profit margin is 26.51%. That is 2.9 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 2.85.

Across the 4 fiscal years on file, revenue moves from $391.86M in 2022 to $541.23M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 12.4 times earnings. That is 3.08% above the Banks - Regional median of 12.03. The forward P/E on file is 8.26. The price-to-sales ratio is 3.11. On price-to-sales that is 13.14% below the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

Over the trailing twelve months the total return is +1.93%. Across 10 years the annualized return works out at +9.76%. The reported beta is 1.94. Daily returns over the trailing 10 years annualize to a volatility of 47.26%.

Growth & Income

Shareholders receive a dividend, yielding 0.34% on the latest price. That is 2.3 percentage points below the Banks - Regional median yield of 2.68%. At the indicated rate that is $0.12 a share a year. The ex-dividend date on file is September 1, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.09 a share. The year before, 2025, totalled $0.12 a share.

The strongest complete calendar year on file is 2020 at +151.15%; the weakest is 2022 at −65.30%. Of the 9 complete calendar years on file, 5 finished higher. 2026 is still running; the total return is +3.08% year to date.

Peer Comparison

Live Oak Bancshares, Inc. (LOB) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Live Oak Bancshares, Inc. LOB $1.64B 12.4
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Live Oak Bancshares, Inc. trades at a P/E of 12.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in 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 provides 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 offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

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