Live Oak Bancshares, Inc. (LOB): Price and Financial Metrics

Live Oak Bancshares, Inc. (LOB): $22.92

0.90 (+4.09%)

POWR Rating

Component Grades













LOB Price/Volume Stats

Current price $22.92 52-week high $43.72
Prev. close $22.02 52-week low $17.31
Day low $21.80 Volume 203,900
Day high $23.02 Avg. volume 335,459
50-day MA $23.34 Dividend yield 0.53%
200-day MA $30.76 Market Cap 1.02B

LOB Stock Price Chart Interactive Chart >


  • LOB scores best on the Momentum dimension, with a Momentum rank ahead of 50.09% of US stocks.
  • LOB's strongest trending metric is Growth; it's been moving down over the last 179 days.
  • LOB ranks lowest in Sentiment; there it ranks in the 3rd percentile.

LOB Stock Summary

  • LOB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.39% of US stocks.
  • With a year-over-year growth in debt of -84.38%, LIVE OAK BANCSHARES INC's debt growth rate surpasses just 1.78% of about US stocks.
  • Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for LOB comes in at 16.99% -- higher than that of 89.12% of stocks in our set.
  • Stocks that are quantitatively similar to LOB, based on their financial statements, market capitalization, and price volatility, are AX, CASS, ESQ, BSVN, and BWFG.
  • Visit LOB's SEC page to see the company's official filings. To visit the company's web site, go to

LOB Valuation Summary

  • LOB's price/sales ratio is 2; this is 9.09% lower than that of the median Financial Services stock.
  • LOB's price/sales ratio has moved down 6.7 over the prior 95 months.

Below are key valuation metrics over time for LOB.

Stock Date P/S P/B P/E EV/EBIT
LOB 2023-05-19 2.0 1.2 7.0 3.3
LOB 2023-05-18 2.0 1.2 7.2 3.4
LOB 2023-05-17 2.1 1.3 7.3 3.5
LOB 2023-05-16 2.0 1.2 6.9 3.2
LOB 2023-05-15 1.9 1.2 6.7 3.0
LOB 2023-05-12 1.8 1.1 6.4 2.8

LOB Growth Metrics

    The year over year net cashflow from operations growth rate now stands at 134.25%.
  • Its 3 year price growth rate is now at 169.55%.
  • Its 4 year net income to common stockholders growth rate is now at -46.95%.
Over the past 15 months, LOB's revenue has gone up $125,781,000.

The table below shows LOB's growth in key financial areas (numbers in millions of US dollars).

Date Revenue Operating Cash Flow Net Income to Common Stock
2022-12-31 524.55 124.485 176.208
2022-09-30 546.724 127.714 204.563
2022-06-30 517.975 76.985 195.534
2022-03-31 448.506 75.387 162.077
2021-12-31 441.775 -119.717 166.995
2021-09-30 398.769 -129.953 166.436

LOB's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.
  • LOB has a Quality Grade of C, ranking ahead of 29% of graded US stocks.
  • LOB's asset turnover comes in at 0.049 -- ranking 96th of 428 Banking stocks.
  • BBDC, HMST, and FSBW are the stocks whose asset turnover ratios are most correlated with LOB.

The table below shows LOB's key quality metrics over time.

Period Asset Turnover Gross Margin ROIC
2021-09-30 0.049 1 0.020
2021-06-30 0.048 1 0.020
2021-03-31 0.038 1 0.012
2020-12-31 0.033 1 0.006
2020-09-30 0.035 1 0.007
2020-06-30 0.033 1 0.001

LOB Price Target

For more insight on analysts targets of LOB, see our LOB price target page. And for a list of of all stocks sorted by upside potential based on analyst target price, see our Top Price Target page.

Average Price Target $74.00 Average Broker Recommendation 1.6 (Moderate Buy)

Live Oak Bancshares, Inc. (LOB) Company Bio

Live Oak Bancshares provides various commercial banking products and services in North Carolina. The company was founded in 2008 and is based in Wilmington, North Carolina.

LOB Latest News Stream

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Latest LOB News From Around the Web

Below are the latest news stories about LIVE OAK BANCSHARES INC that investors may wish to consider to help them evaluate LOB as an investment opportunity.

Live Oak Ventures Participates in Series Seed Financing of Pharmacy Marketplace

WILMINGTON, N.C., March 08, 2023 (GLOBE NEWSWIRE) -- Live Oak Ventures, the investment arm of Live Oak Bancshares, Inc., has announced an investment in Pharmacy Marketplace, a software platform created by independent pharmacy owners for independent pharmacy owners to support real-time purchasing decisions. Live Oak participated in the financing to support the software company’s growth and add resources to ensure pharmacy owners can assess data to remain nimble and profitable. “Live Oak is excite

Yahoo | March 8, 2023

Live Oak Bank’s Voice of the Customer Survey Offers In-Depth Analysis of Customer Sentiment

WILMINGTON, N.C., Jan. 31, 2023 (GLOBE NEWSWIRE) -- Live Oak Bank has released its first Voice of the Customer survey, powered by Barlow Research Associates, to deliver insights, industry benchmarks and candid advice to help small business owners define challenges and opportunities. Barlow Research surveyed 768 Live Oak lending customers across the U.S. to gather current viewpoints on trends to the commercial banking sector. The key takeaways of the 2022 survey include: Customers are optimistic

Yahoo | January 31, 2023

Live Oak Bancshares, Inc. (NASDAQ:LOB) Q4 2022 Earnings Call Transcript

Live Oak Bancshares, Inc. (NASDAQ:LOB) Q4 2022 Earnings Call Transcript January 26, 2023 Operator: Good day and thank you for standing by. Welcome to the Q4 2022 Live Oak Bancshares Inc. Earnings Conference Call. And I would now like to hand the conference over your speaker today Mr. Greg Seward, Chief Risk Officer and General […]

Yahoo | January 27, 2023

Live Oak Bancshares, Inc. Reports Fourth Quarter 2022 Results

WILMINGTON, N.C., Jan. 25, 2023 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported fourth quarter of 2022 net income of $1.8 million, or $0.04 per diluted share. Net income for the year ended December 31, 2022, totaled $176.2 million, or $3.92 per diluted share. “Live Oak closed 2022 with a strong quarter as our teams once again produced more than $1 billion in loan originations, ending a banner year that also reflected continued deposit growth

Yahoo | January 25, 2023

Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2022 Financial Results

WILMINGTON, N.C., Jan. 11, 2023 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (“Live Oak”) (NYSE: LOB) today announced that it will report its fourth quarter 2022 financial results after U.S. financial markets close on Wednesday, January 25, 2023. In conjunction with this announcement, Live Oak will host a conference call to discuss the company's financial results and business outlook on Thursday, January 26, 2023, at 9:00 a.m. ET. To listen to the call via a live audio webcast, visit http://inv

Yahoo | January 11, 2023

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LOB Price Returns

1-mo -2.72%
3-mo -34.23%
6-mo -28.82%
1-year -42.53%
3-year 65.22%
5-year -20.63%
YTD -24.04%
2022 -65.30%
2021 84.27%
2020 151.15%
2019 29.26%
2018 -37.60%

LOB Dividends

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Continue Researching LOB

Here are a few links from around the web to help you further your research on Live Oak Bancshares Inc's stock as an investment opportunity:

Live Oak Bancshares Inc (LOB) Stock Price | Nasdaq
Live Oak Bancshares Inc (LOB) Stock Quote, History and News - Yahoo Finance
Live Oak Bancshares Inc (LOB) Stock Price and Basic Information | MarketWatch

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