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Upturn AI Summary - About
Live Oak Bancshares, Inc.(LOB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LOB
11/06/2026: LOB (3-star) is currently NOT-A-BUY. Pass it for now.
Live Oak Bancshares is a technology-focused bank holding company that specializes in lending to small businesses through a digital-first model. The company's primary strength lies in its deep expertise within niche lending verticals, supported by efficient, proprietary technology that optimizes loan origination. Its main growth opportunity involves expanding these specialized lending segments and further embedding its digital platform in the small business market. However, investors must consider risks related to sector concentration, interest rate sensitivity, and competition from both large traditional banks and nimble fintechs. This stock may suit investors seeking growth in the financial sector, provided they monitor the company's credit quality and broader interest rate trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company's digital-first, niche-lending model provides a scalable foundation that has historically supported long-term growth. |
| Momentum investor | Mixed fit | Momentum appeal is conditional on positive upturn signals in banking sector trends and interest rate sentiment. |
| Value investor | Mixed fit | Valuation fluctuates based on sector-wide bank multiples and the company's specific growth profile. |
| Dividend investor | Weak fit | The company prioritizes capital reinvestment in technology and growth over aggressive dividend payouts. |
| Low-risk investor | Weak fit | The company's reliance on specific lending niches and interest rate sensitivity contributes to higher volatility compared to diversified, traditional banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks, particularly specialized banks, are highly sensitive to market interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Bank valuations are cyclical and can undergo significant repricing based on regulatory sentiment or changes in credit risk assessments. |
| Competition risk (niche banking competition) | High | The bank faces intense pressure from both large institutions and digital-first competitors vying for small business deposits and loans. |
| Business quality | Medium | The company relies on a proprietary tech-driven model, which provides a competitive edge but creates a dependence on sustained technological superiority. |
| Dividend income | Low | Income-focused investors may find the dividend yield and payout ratio secondary to the company's growth-oriented capital allocation. |
| Execution risk | Medium | Success depends on maintaining efficient loan underwriting and high customer satisfaction in a competitive digital landscape. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 74.79% | Avg. Invested days 71 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.57B USD | Price to earnings Ratio 12.07 | 1Y Target Price 40.5 |
Price to earnings Ratio 12.07 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 280.9K shares | Beta 1.8 | 52 Weeks Range 29.26 - 44.50 | Updated Date 11/08/2026 |
52 Weeks Range 29.26 - 44.50 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 0.35% | Basic EPS (TTM) 2.81 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Small Business Lending | Interest income from term loans and fees generated through SBA loan programs. | The bank earns most of its money by lending to small business owners and collecting interest and service fees. |
| Deposit & Banking Services | Net interest margin earned on deposit products and treasury management services. | They generate income by offering digital accounts to businesses and retail customers, allowing them to lend out those funds at higher rates. |
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 0.64 | Actual 0.52 |
Profitability
Profit Margin 26.44% | Operating Margin (TTM) 32.68% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 11.06% |
Valuation
Trailing PE 12.07 | Forward PE 7.75 | Enterprise Value 673.01M | Price to Sales(TTM) 2.98 |
Enterprise Value 673.01M | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA - | Shares Outstanding 46.38M | Shares Floating 36.18M |
Shares Outstanding 46.38M | Shares Floating 36.18M | ||
Percent Insiders 22.87 | Percent Institutions 72.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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