LOB — Live Oak Bancshares, Inc. Stock Price, Chart & AI Report

Neutral Oct 14, 2026 • 13:00 UTC Zacks Investment Research • Zacks.Com

Live Oak Bancshares (LOB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

Live Oak Bancshares is expected to report Q3 2026 earnings of $0.68 per share (up 23.6% YoY) with revenues of $167.5 million (up 14.7% YoY) on October 21. However, with an Earnings ESP of 0% and Zacks Rank #3, the stock is not considered a compelling earnings-beat candidate. The company has beaten consensus estimates in 3 of the last 4 quarters.

LOB LOBPA UCB earnings report Q3 2026 earnings per share revenue growth Earnings ESP

Sentiment note

While the company shows strong expected earnings growth (23.6% YoY) and revenue growth (14.7% YoY), the Earnings ESP of 0% combined with a Zacks Rank #3 (Hold) makes it difficult to predict an earnings beat. The article explicitly states LOB 'doesn't appear a compelling earnings-beat candidate,' despite a positive historical track record of beating estimates in 3 of 4 quarters.

Neutral Dec 19, 2025 • 18:06 UTC The Motley Fool • Robert Izquierdo

Is Live Oak Bancshares Stock a Buy or Sell After Its CEO Sold 10,000 Shares?

Live Oak Bancshares CEO James S. Mahan sold 10,000 shares worth ~$351,300 on December 12, 2025, reducing his indirect holdings to 3.09 million shares. The analyst views this as a routine gain-locking sale near the 52-week high rather than a bearish signal. While the company shows solid fundamentals with 2% revenue growth and 16% asset growth, the elevated P/E ratio suggests waiting for a better entry point rather than buying now.

LOB LOBPA insider sale CEO stock sale commercial banking small business lending dividend yield P/E ratio

Sentiment note

The CEO's sale is characterized as routine gain-locking at near 52-week highs rather than a bearish signal. The company demonstrates solid operational performance with 2% YoY revenue growth and 16% YoY asset growth. However, the elevated P/E ratio and -20% one-year stock performance suggest the stock is fairly valued at current levels, warranting a 'wait and see' approach rather than immediate buying or selling.

Negative Dec 10, 2025 • 16:00 UTC GlobeNewswire Inc. • Schall Law Firm

LOB Investors Have Opportunity to Join Live Oak Bancshares, Inc. Fraud Investigation with the Schall Law Firm

Live Oak Bancshares disclosed it will restate financial statements due to material misclassification of cash flow activities, leading to potential securities law violations and a drop in share price.

LOB LOBPA securities law financial restatement cash flow misclassification investor investigation

Sentiment note

Company admitted to material financial reporting errors, necessitating restatement of financial statements, which suggests potential accounting irregularities and triggered a decline in stock price

Negative Nov 24, 2025 • 06:18 UTC Benzinga • Prnewswire

LOB Investors Have Opportunity to Join Live Oak Bancshares, Inc. Fraud Investigation with the Schall Law Firm

The Schall Law Firm is investigating potential securities law violations by Live Oak Bancshares after the company disclosed plans to restate financial statements due to material cash flow misclassification errors.

LOB LOBPA securities law financial restatement cash flow misclassification shareholder investigation

Sentiment note

Company admitted to material financial reporting errors requiring restatement of annual and quarterly reports, which likely indicates potential accounting irregularities and triggered a stock price decline

Negative Nov 19, 2025 • 03:28 UTC Benzinga • Business Wire

LOB Investors Have Opportunity to Join Live Oak Bancshares, Inc. Fraud Investigation With the Schall Law Firm

The Schall Law Firm is investigating potential securities law violations by Live Oak Bancshares, which disclosed plans to restate financial statements due to material cash flow misclassification errors in its 2024 and 2025 financial reports.

LOB LOBPA securities law financial restatement cash flow misclassification investor investigation

Sentiment note

The company admitted to material financial reporting errors, disclosed a need to restate financial statements, and experienced a stock price decline following the announcement, indicating significant financial and investor confidence issues

Positive Sep 6, 2025 • 13:30 UTC The Motley Fool • Jason Hall And Tyler Crowe

2 Stocks to Buy Before the Federal Reserve Cuts Interest Rates

Motley Fool analysts discuss potential banking sector opportunities, highlighting Northpointe Bancshares and Live Oak Bancshares as potential winners in a changing interest rate environment.

NPB LOB LOBPA banking interest rates stock analysis financial services

Sentiment note

Recommended as a potential net winner from falling interest rates, with the analyst Jason Hall personally holding a position in the stock

Positive Jul 28, 2025 • 21:36 UTC GlobeNewswire Inc. • Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. Prices Depositary Share Offering

Live Oak Bancshares is offering 4 million depositary shares of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, with proceeds intended for general corporate purposes and balance sheet growth.

LOB MS MSPA MSPE preferred stock depositary shares financial offering capital enhancement

Sentiment note

The company is raising capital through a strategic preferred stock offering to support balance sheet growth and enhance its capital position, indicating proactive financial management

Neutral Jul 23, 2025 • 22:34 UTC The Motley Fool • Jesterai

Live Oak Posts Q2 Revenue Beat

Live Oak Bancshares reported record loan production of $1.53 billion in Q2 2025, with total revenue of $143.7 million and EPS of $0.51, slightly exceeding analyst expectations despite a year-over-year profit decline.

LOB banking small business lending SBA loans quarterly earnings digital banking

Sentiment note

Mixed financial performance with record loan production and deposit growth, but decreased net income and increased net charge-offs. Maintained strong operational efficiency and government-guaranteed loan portfolio mitigates potential risks.

Negative Jan 22, 2025 • 23:44 UTC The Motley Fool • Jesterai

Live Oak: Loan Growth Rose, but EPS Fell

Live Oak Bancshares reported weaker-than-expected Q4 2024 earnings, with diluted EPS of $0.22 missing analysts' estimates of $0.53. The bank's loan production grew robustly, but it boosted provisions for credit losses, raising concerns about credit quality and macroeconomic pressures.

LOB Live Oak Bancshares small business lending credit quality macroeconomic pressures

Sentiment note

The company reported weaker-than-expected earnings, with diluted EPS missing analysts' estimates by a wide margin. This was largely due to increased provisions for credit losses, which jumped 273.3% compared to the prior-year period. The bank's net income also fell 38.7%, raising concerns about credit quality and macroeconomic pressures.

Neutral Jan 6, 2025 • 18:33 UTC GlobeNewswire Inc. • N/A

Harbert Management Corporation’s South Bay team announces closing on The Whitford of Dublin

Harbert Management Corporation's South Bay investment team has closed on The Whitford of Dublin, a 140-unit luxury seniors housing community in Dublin, California. The team has partnered with Live Oak Bank, Nuveen Green Capital, and Harbert Seniors Housing Fund II, L.P. on the development, which is expected to deliver in 2026.

LOB seniors housing luxury development Dublin California

Sentiment note

Live Oak Bank is mentioned as the senior lender for the project, which is a typical role for a bank in a real estate development.

Neutral Jul 10, 2024 • 13:41 UTC GlobeNewswire Inc. • N/A

Live Oak Bancshares, Inc. Announces Date of Second Quarter 2024 Financial Results - GlobeNewswire

Live Oak Bancshares, Inc. (NYSE: LOB) announced that it will report its second quarter 2024 financial results on July 24, 2024, and host a conference call on July 25, 2024 to discuss the company's financial results and business outlook.

LOB Live Oak Bancshares financial results conference call

Sentiment note

The article is a routine announcement of the company's upcoming financial results and conference call, which is a normal part of a public company's operations and does not indicate any significant positive or negative news.

Unknown Jun 27, 2024 • 20:45 UTC GlobeNewswire Inc. • Live Oak Bancshares, Inc.

Live Oak Bancshares Announces Michael J. Cairns to be Named as Chief Credit Officer as Steven J. Smits Will Take New Role as Head of Commercial Banking

WILMINGTON, N.C., June 27, 2024 (GLOBE NEWSWIRE) -- Live Oak Bancshares announced today that its Board of Directors has appointed Michael J. Cairns as Chief Credit Officer, effective August 1, 2024. Cairns will serve as CCO for both Live Oak Bancshares and Live Oak Bank and succeeds Steven J. Smits who has served in the position for 9 years. Smits is taking on a new role as head of commercial banking.

LOB Directors and Officers