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Upturn AI SWOT - About
LOB 
Live Oak Bancshares, Inc. (LOB)
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Upturn Advisory Summary
10/13/2025: LOB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $43
1 Year Target Price $43
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 113.35% | Avg. Invested days 66 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.59B USD | Price to earnings Ratio 28.8 | 1Y Target Price 43 |
Price to earnings Ratio 28.8 | 1Y Target Price 43 | ||
Volume (30-day avg) 3 | Beta 1.82 | 52 Weeks Range 22.64 - 50.13 | Updated Date 10/13/2025 |
52 Weeks Range 22.64 - 50.13 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 0.33% | Basic EPS (TTM) 1.21 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.81% | Operating Margin (TTM) 28.9% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 5.51% |
Valuation
Trailing PE 28.8 | Forward PE 10.19 | Enterprise Value 1042765824 | Price to Sales(TTM) 3.93 |
Enterprise Value 1042765824 | Price to Sales(TTM) 3.93 | ||
Enterprise Value to Revenue 3.26 | Enterprise Value to EBITDA - | Shares Outstanding 45731300 | Shares Floating 34898927 |
Shares Outstanding 45731300 | Shares Floating 34898927 | ||
Percent Insiders 23.48 | Percent Institutions 68.41 |
Upturn AI SWOT
Live Oak Bancshares, Inc.
Company Overview
History and Background
Live Oak Bancshares was founded in 2008 with a focus on serving small business owners in specific industries. Initially specializing in the veterinary sector, it has expanded to serve a diverse range of industries, becoming a leading SBA lender.
Core Business Areas
- Commercial Banking: Provides specialized lending and deposit products to small business owners in niche industries, including agriculture, healthcare, renewable energy, and more.
- Venture Investments: Invests in fintech companies and other businesses that complement its lending and banking activities.
- Warehouse Lending: Provides short-term financing to mortgage originators.
Leadership and Structure
The leadership team includes James S. (Chip) Mahan III (Chairman and CEO). The organizational structure is composed of distinct banking divisions and fintech investment arms.
Top Products and Market Share
Key Offerings
- SBA 7(a) Loans: Live Oak is one of the largest SBA 7(a) lenders in the US. Their specialisation in niche industries gives them an edge. Competitors include traditional banks and other SBA lenders such as NewtekOne (NEWT) and Customers Bancorp (CUBI).
- USDA Loans: Live Oak provides USDA loans to businesses in rural areas. Competitors include Farm Credit Associations and other rural lenders such as AgFirst Farm Credit Bank and CoBank.
- Deposit Products: Offers a variety of deposit accounts, including checking, savings, and money market accounts, primarily to commercial clients.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory oversight, interest rate fluctuations, and economic conditions. Fintech innovation and evolving customer preferences are driving changes in the industry.
Positioning
Live Oak specializes in niche industries and SBA lending, differentiating itself from larger, more diversified banks. Its fintech investments help it stay ahead of technological advancements.
Total Addressable Market (TAM)
The TAM for small business lending in the US is estimated to be hundreds of billions of dollars annually. Live Oak is well-positioned to capture a portion of this market with its specialization and expertise.
Upturn SWOT Analysis
Strengths
- Specialization in niche industries
- Expertise in SBA lending
- Strong relationships with small business owners
- Fintech investments for innovation
- Strong digital platform
Weaknesses
- Concentration risk in specific industries
- Sensitivity to interest rate fluctuations
- Reliance on government programs (SBA)
- Relatively small size compared to larger banks
Opportunities
- Expansion into new niche industries
- Increased adoption of fintech solutions
- Growing demand for small business loans
- Strategic acquisitions of complementary businesses
Threats
- Increased competition from other banks and fintech lenders
- Economic downturns impacting small businesses
- Changes in government regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- NEWT
- CUBI
- TBBK
- BOKF
Competitive Landscape
Live Oak's competitive advantage lies in its specialization and expertise in niche industries and SBA lending. However, it faces competition from larger banks with greater resources and broader product offerings.
Major Acquisitions
Apiture
- Year: 2021
- Acquisition Price (USD millions): 200
- Strategic Rationale: Acquiring Apiture enhanced Live Oak's digital banking capabilities and allowed it to offer a more comprehensive suite of services to its clients.
Growth Trajectory and Initiatives
Historical Growth: Live Oak has experienced significant growth in loan originations and revenue over the past decade, driven by its specialization and focus on small business lending.
Future Projections: Analysts expect continued growth in loan originations and revenue, driven by expansion into new industries and increased adoption of fintech solutions.
Recent Initiatives: Recent initiatives include investments in new fintech companies, expansion into new lending verticals, and enhancements to its digital banking platform.
Summary
Live Oak Bancshares is a specialized lender focused on niche industries and SBA loans, showcasing expertise in underserved markets. It leverages fintech investments and digital platforms for future growth. The company faces potential risks from economic fluctuations and regulatory changes, so diversification is key. Though it has a strong focus, its smaller size compared to major banks could present obstacles to market saturation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- SBA.gov
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Live Oak Bancshares, Inc.
Exchange NYSE | Headquaters Wilmington, NC, United States | ||
IPO Launch date 2015-07-23 | Chairman & CEO Mr. James S. Mahan III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1056 | Website https://www.liveoak.bank |
Full time employees 1056 | Website https://www.liveoak.bank | ||
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. It operates through two segments: Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
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