Live Oak Bancshares, Inc. · Financials · Banks - Regional
Scores & Status Key
AI Summary Scores: Intraday / Swing / Long scores are synthesized from multi-factor analysis for each timeframe. They summarize current conditions discussed in the report and do not constitute trading recommendations.
Intraday Trend Score: A 0–100 composite from the Trend Explorer™ analytics engine used for ranking and comparison. It describes current conditions and is not a forecast.
Trend Status: A rules-based label (Bullish / Mixed / Bearish) derived from signal confluence (trend structure, momentum, and positioning). It indicates alignment, not expected return.
At close
$36.27
−$0.00 (−0.00%) Close
Pre-market$36.27
+$0.00 (+0.00%) 8:38 PM ET
Prev closePrevC$36.27
OpenOpen$36.25
Day highHigh$36.27
Day lowLow$36.25
VolumeVol276,800
Avg volAvgVol370,333
On chart
Interval
Intervals apply to 1D & 5D.
Intervals apply to 1D & 5D.
Scale: Linear
Overlays
Panels
Style
Scale: Linear
Presets
Tools
Tickers only (no ^ indexes). Add up to 5.
Mkt cap
$1.67B
P/E ratio
24.51
FY Revenue
$1.00B
EPS
1.48
Gross Margin
54.26%
Sector
Financials
AI report sections
MIXED
LOB
Live Oak Bancshares, Inc.
No AI report section text found yet for this symbol.
Volume vs average
Intraday (cumulative)
+24% (Above avg)
Vol/Avg: 1.24×
RSI
49.80(Neutral)
Neutral (40–60)
0255075100
MACD momentum
Intraday
+0.00 (Strong)
MACD: 0.06 Signal: 0.06
Short-Term
-0.35 (Weak)
MACD: 0.35 Signal: 0.70
Long-Term
-0.29 (Weak)
MACD: 1.46 Signal: 1.75
Intraday trend score
29.50
LOW14.70HIGH29.50
Latest news
LOB•12 articles•Positive: 2Neutral: 4Negative: 4
NeutralThe 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.
LOBLOBPAinsider saleCEO stock salecommercial bankingsmall business lendingdividend yieldP/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.
NegativeGlobeNewswire 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.
Company admitted to material financial reporting errors, necessitating restatement of financial statements, which suggests potential accounting irregularities and triggered a decline in stock price
NegativeBenzinga• 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.
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
NegativeBenzinga• 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.
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
PositiveThe 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.
Recommended as a potential net winner from falling interest rates, with the analyst Jason Hall personally holding a position in the stock
PositiveGlobeNewswire 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.
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
NeutralThe 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.
LOBbankingsmall business lendingSBA loansquarterly earningsdigital 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.
NegativeThe 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.
LOBLive Oak Bancsharessmall business lendingcredit qualitymacroeconomic 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.
NeutralGlobeNewswire 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.
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.
NeutralGlobeNewswire 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.
LOBLive Oak Bancsharesfinancial resultsconference 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.
UnknownGlobeNewswire 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.
LOBDirectors and Officers
UnknownBenzinga• Benzinga Insights
Key Takeaways From Live Oak Bancshares Analyst Ratings
During the last three months, 4 analysts shared their evaluations of Live Oak Bancshares (NYSE:LOB), revealing diverse outlooks from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
Bullish
Somewhat Bullish
Indifferent
Somewhat Bearish
Bearish
Total Ratings
2
1
1
0
0
Last 30D
0
1
0
0
0
1M Ago
0
0
0
0
0
2M Ago
0
0
0
0
0
3M Ago
2
0
1
0
0
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $42.5, a high estimate of $47.00, and a low estimate of $38.00. This current average has decreased by 8.11% from the previous average price target of $46.25.
Interpreting Analyst Ratings: A Closer Look
The analysis of recent analyst actions sheds light on the perception of Live Oak Bancshares by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
Analyst
Analyst Firm
Action Taken
Rating
Current Price Target
Prior Price Target
Steven Alexopoulos
JP Morgan
Lowers
Overweight
$45.00
$46.00
Brandon King
Truist Securities
Lowers
Buy
$38.00
$47.00
Timothy Switzer
Keefe, Bruyette & Woods
Lowers
Market Perform
$40.00
$45.00
Brandon King
Truist Securities
Maintains
Buy
$47.00
$47.00
Key Insights:
Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Live Oak Bancshares. This information provides a snapshot of how analysts perceive the current ...Full story available on Benzinga.com
LOBAnalyst Ratings
News and sentiment labels describe article tone and are provided for research purposes only. They are not trading recommendations or forecasts.
Trade Ranks App
Trade Ranks, LLC is not a registered investment adviser or broker-dealer. All rankings and AI reports are for informational and educational purposes only and are not personalized advice. Investing involves risk. Policy Portal