Price History

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

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LOB Key Statistics

As of Sep 4, 2026

Trading

Open: $39.23
Previous Close: $39.56
Day's Range: 39.22–39.94
52-Week Range: 29.36–44.53
Volume: 196.00K
Beta: 1.87

Valuation

Market Cap: $1.83B
P/E Ratio: 13.85
Forward P/E: 9.36
P/S ratio: 3.48
EPS (ttm): 2.86

Financials (FY)

Revenue (FY): $541.23M+12.36%
Net Income (FY): $105.87M+36.65%
Profit margin: 26.51%
Shares Outstanding: 46.28M
1-Year Return: +2.75%

Dividend and dates

Dividend: $0.12+0.30%
Ex-Dividend Date: September 1, 2026
Earnings Date: October 21, 2026estimated
Avg Volume: 253.68K

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

LOB Stock Return by Calendar Year

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

+151.15%−65.30%+15.50%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+15.50%
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 September 4, 2026.

LOB Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$541.23M	$105.87M	19.6%
2024	$481.69M	$77.47M	16.1%
2023	$425.85M	$73.90M	17.4%
2022	$391.86M	$176.21M	45.0%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$541.23M	—	—	$105.87M	19.6%
2024	$481.69M	—	—	$77.47M	16.1%
2023	$425.85M	—	—	$73.90M	17.4%
2022	$391.86M	—	—	$176.21M	45.0%

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

LOB Dividend History

’16’17’18’19’20’21’22’23’24’25’26*

$0.12+0.0% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.09	3	—
2025	$0.12	4	+0.0%
2024	$0.12	4	+0.0%
2023	$0.12	4	+0.0%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.09	3	—
2025	$0.12	4	+0.0%
2024	$0.12	4	+0.0%
2023	$0.12	4	+0.0%
2022	$0.12	4	+0.0%
2021	$0.12	4	+0.0%
2020	$0.12	4	+0.0%
2019	$0.12	4	+0.0%
2018	$0.12	4	+20.0%
2017	$0.10	4	+400.0%
2016	$0.02	1	—

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 380 stocks

Metric	LOB	Banks - Regional median	vs median
P/E	13.85	12.62	10% above
P/S ratio	3.48	3.77	8% below
Profit margin	26.51%	29.15%	2.6 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

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

Analysis

Data-derived

Company Overview

The market values Live Oak Bancshares, Inc. (LOB) at $1.83B. 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 $39.61, dated September 4, 2026. That is +$0.05 (+0.13%) against the previous close. The latest close sits 34.91% 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 2.6 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 2.86.

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 13.85 times earnings. That is 9.75% above the Banks - Regional median of 12.62. The forward P/E on file is 9.36. The price-to-sales ratio is 3.48. On price-to-sales that is 7.64% below the Banks - Regional median of 3.77. The medians here are taken across 380 Banks - Regional companies that report the metric.

Over the trailing twelve months the price has returned +2.75%. Across 10 years the annualized return works out at +11.68%. The reported beta is 1.87. Daily returns over the trailing 10 years annualize to a volatility of 47.24%.

Growth & Income

Shareholders receive a dividend, yielding 0.3% on the latest price. That is 2.4 percentage points below the Banks - Regional median yield of 2.7%. 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 price is +15.50% 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	$1.83B	13.8
Mizuho Financial Group, Inc.	MFG	$135.92B	16.0
HDFC Bank Limited	HDB	$119.10B	16.0
ICICI Bank Limited	IBN	$108.74B	18.7

The Banks - Regional industry average P/E ratio is 12.6x. Live Oak Bancshares, Inc. trades at a P/E of 13.8.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 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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Live Oak Bancshares, Inc. (LOB) Stock Analysis