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Company Analysis

Live Oak Bancshares, Inc. LOB

A comprehensive view of key metrics, scores, and financial health for Live Oak Bancshares, Inc.

Overview of Live Oak Bancshares, Inc.

LOB NYQ
Financial Services Banks - Regional Small Cap
Live Oak Bancshares, Inc. (LOB), is a Small Cap company, in the Banks - Regional industry, last closed at $32.25, about 23.6% overvalued vs fair value, +13.7% 1Y return, ranked 782/1004 in sector.
$32.25
-0.83%
As of March 13, 2026
Previous close • Vol 90d: 39.2%
52-Week Range
Market Cap
$1.54B
Enterprise Value
$752.98M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.liveoak.bank
HQ Wilmington, NC
Fiscal year Dec 31

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$46
Current: $32.25 -24% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$812.4M
18%%
Interest Expense
$460.1M
Net Interest Income
$375.9M
8.9%%
Total Revenue
$1.0B
111.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.7M
10.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Live Oak Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
44
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
22
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LOB's balance between Growth (57.4%), Profitability (19.0%), and Safety (23.6%). Growth 57% Safety 24% Profitability 19%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

88th percentile vs peers
89
Key Signals
Rev Growth YoY 1.11 86p Revenue CAGR 3Y 38.5% 91p Asset Growth YoY 16.9% 88p
Strengths
  • Growth performance in top 20% of peers (percentile: 88)
  • Rev Growth Yoy in top 20% of peers (1.11, 86th percentile)
  • Revenue Cagr 3Y in top 20% of peers (38.5%, 91th percentile)
  • Asset Growth Yoy in top 20% of peers (16.9%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

29th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Live Oak Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$24.64
- - -
-23.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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