Live Oak Bancshares, Inc.
General ticker "LOB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.7B (TTM average)
Live Oak Bancshares, Inc. follows the US Stock Market performance with the rate: 48.2%.
Estimated limits based on current volatility of 1.6%: low 34.27$, high 35.36$
Factors to consider:
- Earnings expected soon, date: 2026-10-21 amc
- Company pays dividends (quarterly): last record date 2026-09-01, amount 0.03$ (Y0.34%)
- Total employees count: 1064 (+2.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Regulatory and compliance, Pandemic risks, Interest rate risk, Expansion risks
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [31.44$, 44.89$]
- 2026-12-31 to 2027-12-31 estimated range: [31.42$, 45.32$]
Financial Metrics affecting the LOB estimates:
- Positive: with PPE of 15.9 at the end of fiscal year the price was neutral
- Positive: 11.29 < Operating profit margin, % of 15.46
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.68
- Positive: 8.77 < Operating cash flow per share per price, % of 9.78
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: 7.04 < Shareholder equity ratio, % of 8.26 <= 12.78
Short-term LOB quotes
Long-term LOB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $449.31MM | $488.56MM | $1,041.25MM |
| Operating Expenses | $366.48MM | $399.32MM | $880.26MM |
| Operating Income | $82.83MM | $89.23MM | $160.98MM |
| Interest Expense | $342.97MM | $436.47MM | $460.11MM |
| Income(Loss) | $82.83MM | $89.23MM | $160.98MM |
| Taxes | $8.93MM | $11.82MM | $57.35MM |
| Net Income(Loss)* | $73.90MM | $77.47MM | $103.64MM |
| Stockholders Equity | $902.67MM | $999.03MM | $1,249.87MM |
| Assets | $11,271.42MM | $12,943.38MM | $15,134.78MM |
| Operating Cash Flow | $184.90MM | $156.78MM | $158.24MM |
| Capital expenditure | $46.84MM | $49.31MM | $14.76MM |
| Investing Cash Flow | $-1,339.75MM | $-1,699.41MM | $-1,904.19MM |
| Financing Cash Flow | $1,320.76MM | $1,568.89MM | $2,002.05MM |
| Earnings Per Share** | $1.67 | $1.72 | $2.26 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.