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Live Oak Bancshares, Inc.

LOB • Banks - Regional
$39.61
— 0.00 (0.00%)
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Solid company profile with reasonable valuation support. The data suggests a balanced quality/value setup.
Market Cap
$1.85B
Growth
21.8%
Cash Flow
4/5
Trend
Mostly stable
Evidence
Stable or improving margins · 10.0%Positive revenue growth · 17.9%Positive free cash flow · 3.13Consistent free cash flow · 4/5Reasonable earnings multiple · 15.19
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 6, 2026, 12:55 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$39.61
Change0.00%
Shares Out46.59M
Market Cap$1.85B
Enterprise Value$1.02B
52W Range29.36 - 44.16
Beta1.88
P/E13.43
P/S1.71
P/B1.41
P/FCF-38.96
EV/Sales0.94

Investment DNA

How strong this company looks for long-term investors

75
out of 100
Business Quality
Margins, moat, returns
60/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
89/100
Why this score▼
Stable or improving margins · 10.0%Positive revenue growth · 17.9%Positive free cash flow · 3.13Consistent free cash flow · 4/5Reasonable earnings multiple · 15.19Manageable debt level · 0.08

Analyst view

Analyst sentiment and price target

LOB
Analyst sentiment
Based on 10 analyst votes · 2026-09-05
80/100
Bullish
Bullish
6
Hold
4
Bearish
0
Price Target
2026-08-06
Low
$41.00
Mean
$42.50
Median
$42.50
High
$44.00

Company Overview

IPO: 7/23/2015
Industry: Banks - Regional
P/B i: 1.41
Debt / Equity i: 0.08
Operating Margin: 15.46%
Net Margin: 9.97%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.08
Current Ratio: 0.13
Quick Ratio: 0.13
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

LUCHT DAVID G
Transaction: 08/04/2026
SELL
Change
-2,000
Price
$44.36
Filing
08/05/2026
Type
SELL
Spencer Courtney
Transaction: 08/04/2026
SELL
Change
—
Price
$43.68
Filing
08/05/2026
Type
SELL
WILLIAMS WILLIAM L. III
Transaction: 08/03/2026
SELL
Change
-8,400
Price
$43.08
Filing
08/05/2026
Type
SELL