Live Oak Bancshares, Inc.(LOB)Earnings, Financials & Key RatiosLive Oak Bancshares, Inc. (LOB) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the bank shows strong asset growth, the forward P/E of 13.54 and persistent 0.8% net interest margin suggest that valuation may be fully priced relative to the inherent volatility in its secondary market revenue streams.
Live Oak Bancshares, Inc. (LOB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Live Oak Bancshares, Inc. (LOB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.60vs $0.54+11.1% | $145Mvs $151M-3.8% |
| Q1 2026 | Jan 21, 2026 | $0.95vs $0.56+69.6% | $173Mvs $150M+15.0% |
| Q4 2025 | Oct 22, 2025 | $0.55vs $0.58-5.2% | $142Mvs $151M-5.8% |
| Q3 2025 | Jul 23, 2025 | $0.51vs $0.52-1.9% | $142Mvs $148M-4.0% |
Recent stock market news and headlines for Live Oak Bancshares, Inc. (LOB)
Chairman and CEO "Chip" Mahan sold 20,000 shares for a total value of ~$769,000, based on a weighted average price of $38.46 per share across June 10–11, 2026. All shares transacted were held indirectly via family trusts and related entities.
Key metrics vs top competitors for Live Oak Bancshares, Inc. (LOB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $41.11 | $1.9B | 18.52 | 12.05% | 9.97% | 9.19% | 0.29% | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $54.96 | $1.77B | 14.81 | 1.78% | 23.87% | 9.86% | — | |
| $75.89 | $835.98M | 14.65 | 11.72% | 21.42% | 12% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — | |
| $9.71 | $90.09M | -3.01 | -3.76% | -31.46% | -7.65% | — |
Live Oak Bancshares, Inc. (LOB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Live Oak Bancshares, Inc. (LOB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 18, 2026·SEC
May 22, 2026·SEC
May 19, 2026·SEC
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Live Oak Bancshares, Inc. (LOB) stock FAQ — growth, dividends, profitability & financials explained
Live Oak Bancshares, Inc. (LOB) grew revenue by 12.0% over the past year. This is steady growth.
Yes, Live Oak Bancshares, Inc. (LOB) is profitable, generating $124.1M in net income for fiscal year 2025 (10.0% net margin).
Yes, Live Oak Bancshares, Inc. (LOB) pays a dividend with a yield of 0.29%. This makes it attractive for income-focused investors.
Live Oak Bancshares, Inc. (LOB) has a return on equity (ROE) of 9.2%. This is below average, suggesting room for improvement.
Live Oak Bancshares, Inc. (LOB) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
Live Oak Bancshares, Inc. (LOB) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.
