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LOB 
Live Oak Bancshares, Inc. (LOB)
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Upturn Advisory Summary
01/09/2026: LOB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $42.75
1 Year Target Price $42.75
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 121.36% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.72B USD | Price to earnings Ratio 25.16 | 1Y Target Price 42.75 |
Price to earnings Ratio 25.16 | 1Y Target Price 42.75 | ||
Volume (30-day avg) 3 | Beta 2.03 | 52 Weeks Range 22.62 - 41.40 | Updated Date 01/9/2026 |
52 Weeks Range 22.62 - 41.40 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 0.34% | Basic EPS (TTM) 1.49 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.02% | Operating Margin (TTM) 32.56% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 6.28% |
Valuation
Trailing PE 25.16 | Forward PE 11.09 | Enterprise Value 1032144064 | Price to Sales(TTM) 3.96 |
Enterprise Value 1032144064 | Price to Sales(TTM) 3.96 | ||
Enterprise Value to Revenue 3.6 | Enterprise Value to EBITDA - | Shares Outstanding 45857617 | Shares Floating 35369521 |
Shares Outstanding 45857617 | Shares Floating 35369521 | ||
Percent Insiders 23.44 | Percent Institutions 67.04 |
Upturn AI SWOT
Live Oak Bancshares, Inc.
Company Overview
History and Background
Live Oak Bancshares, Inc. (NASDAQ: LOB) was founded in 2007 in Wilmington, North Carolina. It began as a community bank with a strong focus on technology. A significant milestone was its transformation into a digital-first, online bank, enabling it to scale operations and reach a national customer base without the overhead of physical branches. The company has since evolved to offer a broader range of financial products and services, leveraging its technology platform.
Core Business Areas
- Community Banking: Live Oak Bank provides a range of banking services, including deposit accounts (checking, savings, money market, CDs) and lending products (small business loans, commercial real estate loans, equipment financing) primarily through its digital platform. It targets specific industries and customer segments.
- FinTech and Technology Services: A core part of Live Oak's strategy is its proprietary technology platform, which enables efficient loan origination, servicing, and customer management. This platform is also offered to other financial institutions.
- Mortgage Lending: The company offers residential and commercial mortgage lending services, again heavily reliant on its digital capabilities for a streamlined process.
Leadership and Structure
Live Oak Bancshares, Inc. is a holding company for Live Oak Bank. The leadership team includes a CEO, CFO, and other executive officers responsible for various divisions of the bank and its technology operations. The organizational structure emphasizes agile development, data analytics, and customer-centric service delivery.
Top Products and Market Share
Key Offerings
- Small Business Administration (SBA) Loans: Live Oak Bank is a leading SBA lender in the United States, providing a significant volume of SBA loans to small businesses across various industries. While specific market share data for SBA loans is fragmented, Live Oak is consistently among the top national originators. Competitors include traditional banks with SBA lending programs and other specialized lenders.
- Digital Deposit Accounts: The bank offers a suite of digital deposit products, including high-yield savings accounts and business checking accounts. Market share in this segment is highly competitive, with numerous large national banks and online-only banks as competitors.
- Equipment Financing: Live Oak provides financing solutions for businesses to acquire essential equipment. This is a competitive market with specialized equipment finance companies and bank divisions as rivals.
Market Dynamics
Industry Overview
The banking and financial technology (FinTech) industry is characterized by increasing digitalization, evolving customer expectations for seamless digital experiences, and intense competition. Regulatory changes, interest rate environments, and economic conditions significantly impact the industry. There's a growing trend towards specialized lending and technology-enabled financial services.
Positioning
Live Oak Bancshares, Inc. is uniquely positioned as a digital-first community bank that leverages technology to compete with larger institutions and traditional community banks. Its competitive advantages include its scalable technology platform, specialized industry lending expertise, and a focus on operational efficiency, allowing it to serve customers nationwide.
Total Addressable Market (TAM)
The TAM for banking services and financial products is vast, encompassing deposits, loans, payments, and other financial solutions for individuals and businesses. For Live Oak, the TAM for its specialized lending areas (like SBA loans and industry-specific financing) represents billions of dollars. Live Oak is positioned to capture a significant portion of its target TAM through its digital strategy and focus on underserved or niche markets within the broader financial services landscape.
Upturn SWOT Analysis
Strengths
- Strong proprietary technology platform for efficient operations and scalability.
- Leading position in SBA lending.
- Digital-first strategy allows for national reach and cost efficiencies.
- Experienced leadership team with a vision for tech-driven banking.
- Focus on specialized industries creates niche market advantages.
Weaknesses
- Reliance on a digital model may alienate some traditional banking customers.
- Limited physical branch presence could be a disadvantage in certain scenarios.
- As a relatively younger bank, it may lack the brand recognition of established giants.
- Dependence on technology introduces potential cybersecurity risks.
Opportunities
- Continued growth in demand for digital banking solutions.
- Expansion into new specialized lending verticals.
- Partnerships with other FinTech companies to broaden service offerings.
- Leveraging data analytics for personalized customer experiences and risk management.
- Potential for acquisitions to accelerate growth or expand capabilities.
Threats
- Increasing competition from established banks and FinTech startups.
- Changes in regulatory landscape affecting banking and lending.
- Economic downturns impacting loan demand and credit quality.
- Interest rate volatility affecting net interest margins.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- PNC Financial Services Group, Inc. (PNC)
- U.S. Bancorp (USB)
Competitive Landscape
Live Oak's advantages lie in its agility, technological innovation, and specialized lending focus, allowing it to serve niche markets effectively. However, it faces disadvantages in scale, brand recognition, and the extensive product and service offerings of larger, more established banking institutions. The competitive landscape is dynamic, with both traditional banks and emerging FinTech players vying for market share.
Growth Trajectory and Initiatives
Historical Growth: Live Oak has shown a strong historical growth trajectory, marked by consistent expansion in its loan portfolio, deposit base, and revenue. Its strategic shift to a digital-first model has been a primary enabler of this growth, allowing it to scale effectively.
Future Projections: Analyst projections for Live Oak Bancshares, Inc. generally anticipate continued growth in its core lending businesses, driven by its specialized industry focus and digital capabilities. Expectations often include further expansion of its technology offerings and potential for increased net interest income. These projections are subject to market conditions and execution of strategic initiatives.
Recent Initiatives: Recent initiatives have likely focused on further enhancing its technology platform, expanding its specialized lending teams, and exploring new product development. Investments in artificial intelligence and data analytics to improve customer experience and risk management are also probable strategic moves.
Summary
Live Oak Bancshares, Inc. is a digitally-focused bank with a strong foundation in technology and a leading position in SBA lending. Its innovative model allows for efficient national reach, and its specialized industry lending creates a competitive edge. While facing competition from larger institutions and potential cybersecurity risks, its focus on growth through technology and specialized markets positions it well for continued expansion in the evolving financial services landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Reports (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Financial Data Providers (e.g., FactSet, Refinitiv)
- Industry Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data is estimated and can fluctuate. Investors should conduct their own due diligence before making investment decisions.
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 1029 | Website https://www.liveoak.bank |
Full time employees 1029 | 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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