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Smart Investors Daily
LO

NYSE · LOB

Live Oak Bancshares, Inc.

Financial Services · Banks - Regional

$34.47

Down-$0.60 (-1.71%)

Updated Nov 2, 2026, 2:58 AM

SID Score

4.6/10

Composite research score

Smart Money

—

Institutional and insider signal

Market cap
1.62B
P/E ratio
23.19
Dividend yield
0.35%
52-week range
$31.11 – $44.53
Volume
173.94K
Avg. volume
277.4K

Price performance · LOB

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Overview

Company profile and research snapshot.

Company profile

Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.

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Analyst outlook

Consensus and target data currently published for this company.

Consensus
—
Average target
$42.33
Implied upside
—
Analysts
—
LOB recent ratings
DateFirmRatingTarget
Oct 26, 2026TD CowenBuy—
Oct 14, 2026Cantor FitzgeraldNeutral—
Oct 7, 2026Piper SandlerNeutral—
Oct 5, 2026TD CowenBuy—
Aug 19, 2026Cantor FitzgeraldNeutral—
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Yahoo · Oct 27, 2026

Live Oak Bancshares (LOB) Stock Still Looks Cheap After a 61% Fall

Live Oak Bancshares has delivered a mixed return profile, with the share price up over the past year yet significantly lower over five years. This puts the focus squarely on what investors are paying for its earnings today. With fresh headlines around loan growth, deposit momentum, and credit costs, the question is whether the current valuation fairly reflects the earnings power of Live Oak Bank. The stock has fallen 61.4% over the past 5 years, which raises the stakes on whether the current...

Yahoo · Oct 26, 2026

Live Oak Bancshares (LOB) On Mixed Earnings And Rising Charge Offs Looks Undervalued

Why Live Oak Bancshares Earnings Matter For Investors Live Oak Bancshares (LOB) just posted third quarter and nine month results that mixed higher net interest income with largely steady profitability, while also disclosing a sharp jump in net charge-offs that puts credit quality in focus. Recent trading around Live Oak Bancshares reflects that mix of steady earnings and rising credit costs, with the share price down about 18.1% over the past 90 days, but still slightly positive year to date...

Yahoo · Oct 26, 2026

How Rising Charge Offs At Live Oak Bancshares (LOB) Have Changed Its Investment Story

Live Oak Bancshares reported third quarter 2026 results, with net interest income of US$133.01 million and net income of US$26.35 million, along with basic earnings per share from continuing operations of US$0.52. An interesting angle is the sharp rise in quarterly net charge offs to US$32.09 million from US$16.82 million a year earlier. This highlights credit quality as a key pressure point even as nine month earnings and interest income remain higher than the prior year. The focus now...

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