Stocks · Financial Services · Banks - Regional
Live Oak Bancshares, Inc. LOB
$36.68 +0.80% Close, Oct 2, 2026 · NYSE · Market cap $1.70B
High risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.84, up 132.8% year over year.
- Operating margin widened to 18.8% from 7.8% a year earlier.
- Net debt is 3.1× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 36%
- EPS growth (TTM, YoY)Top 7%
- FCF growth (TTM, YoY)Bottom 6%
- Revenue growth, 3-year CAGRTop 18%
- Revenue growth accelerationBottom 40%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginBottom 23%
- Operating marginBottom 43%
- Cash conversion (OCF / net income)Bottom 12%
- Accruals (lower is better)Bottom 23%
- Net debt / EBITDA (lower is better)Bottom 34%
- Interest coverBottom 23%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 40%
- Free-cash-flow yieldBottom 12%
- EBITDA / enterprise valueTop 32%
- Sales / enterprise valueTop 30%
- P/E vs own 5-year history (lower is better)Top 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 46%
- 6-month returnTop 40%
- 1-year return vs S&P 500Bottom 49%
- Distance from 52-week highBottom 29%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 13%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyTop 34%
- Upside to consensus price targetTop 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 41%
- Maximum drawdown, 3 yearsBottom 15%
- Beta vs S&P 500 (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Bottom 34%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.7% | 11.2% | ↓ |
| EPS growth (YoY) | 100.8% | 132.8% | ↑ |
| Gross margin | 40.8% | 50.5% | ↑ |
| Operating margin | 7.8% | 18.8% | ↑ |
| FCF margin | 68.0% | -4.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.2% | 12.7% | ↓ | Top 36% |
| EPS growth (TTM, YoY) | 132.8% | 100.8% | ↑ | Top 7% |
| Gross margin | 50.5% | 40.8% | ↑ | Bottom 23% |
| Operating margin | 18.8% | 7.8% | ↑ | Bottom 43% |
| Net margin | 12.7% | 5.8% | ↑ | — |
| Free-cash-flow margin | -4.8% | 68.0% | ↓ | — |
| Return on invested capital | 0.9% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 27.0% | — | Top 18% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -0.26×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.5%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.06×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.38%
- Net buyback yield (TTM)
- -0.15%
- Shareholder yield
- 0.23%
- Share count change, 1 year
- +1.7%
- Share count change, 3-year CAGR
- +1.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +21.2%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $43.00
- Target vs current price
- +17.2%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 60%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +9.3% | -1.5% | +3.0% | +2.2% | — |
| Apr 22, 2026 | +11.1% | -0.3% | +6.5% | -0.5% | +16.7% |
| Jan 21, 2026 | +69.6% | +6.2% | +5.6% | +9.4% | -1.8% |
| Oct 22, 2025 | -5.2% | -0.3% | -7.1% | -13.6% | +8.1% |
| Jul 23, 2025 | -1.9% | +1.1% | +3.2% | +10.4% | +12.4% |
| Apr 23, 2025 | -44.7% | -1.2% | +7.2% | +12.9% | +27.2% |
| Jan 22, 2025 | -55.1% | -1.4% | -12.4% | -19.0% | -42.2% |
| Oct 23, 2024 | -50.0% | -0.3% | -14.8% | -1.5% | -11.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.74 | $0.68 | +9.3% | $156.1M |
| Apr 22, 2026 | $0.60 | $0.54 | +11.1% | $145.5M |
| Jan 21, 2026 | $0.95 | $0.56 | +69.6% | $172.9M |
| Oct 22, 2025 | $0.55 | $0.58 | -5.2% | $142.5M |
| Jul 23, 2025 | $0.51 | $0.52 | -1.9% | $142.0M |
| Apr 23, 2025 | $0.21 | $0.38 | -44.7% | $123.8M |
| Jan 22, 2025 | $0.22 | $0.49 | -55.1% | $128.1M |
| Oct 23, 2024 | $0.28 | $0.56 | -50.0% | $126.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.9× | 16.4× | 24th | Top 40% |
| P/E (forward) | 11.8× | — | — | — |
| EV / EBITDA | 10.6× | — | — | Top 32% |
| EV / Sales | 2.21× | — | — | Top 30% |
| Free-cash-flow yield | -3.08% | — | — | Bottom 12% |
| Earnings yield | 7.74% | — | — | Top 40% |
P/E over the past five years
Range 6.7× – 26.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +4.5%
- Earnings per share growth (TTM)
- +132.8%
- Change in P/E multiple
- -40.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.4%
- 200-day average slope (20 days)
- +1.5%
- Distance from 50-day average
- -8.8%
- Distance from 200-day average
- -3.9%
- RSI (14)
- 31.6
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.05
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -16.2%
- Maximum drawdown, 3 years
- -53.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 4, 2021 | May 11, 2023 | -79.5% | 380 days | Not yet recovered |
| Apr 16, 2021 | Jun 10, 2021 | -23.5% | 38 days | 92 days (Oct 20, 2021) |
| Jan 12, 2021 | Feb 1, 2021 | -21.8% | 13 days | 15 days (Feb 23, 2021) |
| Nov 24, 2020 | Nov 30, 2020 | -10.8% | 3 days | 11 days (Dec 15, 2020) |
| Dec 21, 2020 | Jan 4, 2021 | -10.1% | 8 days | 6 days (Jan 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.70B
- P/E (TTM)
- 12.9
- EPS, diluted (TTM)
- $2.84
- Revenue (TTM)
- $1.08B
- Dividend yield
- 0.33%
- 52-week range
- $29.36 – $44.53
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $506.4M | $508.8M | $776.6M | $929.3M | $1.04B |
| Gross profit | $426.8M | $350.9M | $382.3M | $396.6M | $503.0M |
| Operating income | $210.8M | $210.3M | $82.8M | $89.2M | $161.0M |
| Net income | $167.0M | $176.2M | $73.9M | $77.5M | $103.8M |
| EPS (diluted) | $3.71 | $3.92 | $1.64 | $1.69 | $2.22 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $238.3M | $239.9M | $236.3M | $257.1M | $258.4M | $289.4M | $259.9M | $272.5M |
| Net income | $13.0M | $9.9M | $9.7M | $23.4M | $26.5M | $44.1M | $30.0M | $36.8M |
| EPS (diluted) | $0.28 | $0.22 | $0.21 | $0.51 | $0.55 | $0.95 | $0.60 | $0.74 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$119.7M | $124.5M | $620.1M | $536.5M | $158.2M |
| Capital expenditure | -$3.1M | -$43.8M | -$46.8M | -$49.3M | -$14.8M |
| Free cash flow | -$122.8M | $80.7M | $573.2M | $487.2M | $143.5M |
| Dividends paid | -$5.2M | -$5.3M | -$5.3M | -$5.4M | -$5.5M |
| Net share buybacks | -$953,000 | $0 | $0 | $3.8M | $100.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $927.6M
- Total assets
- $16.04B
- Total liabilities
- $14.72B
- Total debt
- $99.8M
- Net debt
- $691.8M
- Shareholders’ equity
- $1.31B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.03 | Sep 15, 2026 |
| Jun 2, 2026 | $0.03 | Jun 15, 2026 |
| Mar 5, 2026 | $0.03 | Mar 15, 2026 |
| Dec 2, 2025 | $0.03 | Dec 15, 2025 |
| Sep 2, 2025 | $0.03 | Sep 15, 2025 |
| Jun 3, 2025 | $0.03 | Jun 17, 2025 |
| Feb 25, 2025 | $0.03 | Mar 11, 2025 |
| Dec 2, 2024 | $0.03 | Dec 16, 2024 |
Short interest
- Shares sold short
- 2,106,517
- Days to cover
- 10.45
- Change vs previous report
- +5.5%
FINRA short interest, settlement date Sep 15, 2026.