Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
LOB 
Live Oak Bancshares Inc (LOB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/27/2025: LOB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Year Target Price $31.5
Year Target Price $31.5
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 86% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.37B USD | Price to earnings Ratio 23.11 | 1Y Target Price 31.5 |
Price to earnings Ratio 23.11 | 1Y Target Price 31.5 | ||
Volume (30-day avg) 3 | Beta 1.85 | 52 Weeks Range 22.66 - 50.44 | Updated Date 06/30/2025 |
52 Weeks Range 22.66 - 50.44 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.40% | Basic EPS (TTM) 1.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 14.93% | Operating Margin (TTM) 17.17% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 6.07% |
Valuation
Trailing PE 23.11 | Forward PE - | Enterprise Value 740214848 | Price to Sales(TTM) 3.43 |
Enterprise Value 740214848 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA - | Shares Outstanding 45608000 | Shares Floating 34855446 |
Shares Outstanding 45608000 | Shares Floating 34855446 | ||
Percent Insiders 23.38 | Percent Institutions 67.33 |
Analyst Ratings
Rating 2 | Target Price 31.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Live Oak Bancshares Inc
Company Overview
History and Background
Live Oak Bancshares Inc. was founded in 2008 in Wilmington, North Carolina, with a focus on serving small businesses and entrepreneurs. It initially specialized in lending to specific industries and has since expanded its offerings and geographic reach.
Core Business Areas
- Commercial Banking: Provides lending and deposit services to small businesses, focusing on specific sectors like renewable energy, healthcare, and veterinary services.
- Venture Investments: Invests in fintech companies and other innovative businesses that complement its core banking operations.
- Warehouse Lending: Provides warehouse lending services to independent mortgage companies.
Leadership and Structure
The company is led by Chairman and CEO James S. (Chip) Mahan III. The organizational structure includes various departments responsible for lending, technology, finance, and risk management.
Top Products and Market Share
Key Offerings
- Market Share (%): 11.3
- SBA Loans: Live Oak is a leading SBA lender, specializing in 7(a) and 504 loans. Market share data varies year to year, but it consistently ranks among the top SBA lenders. Competitors include traditional banks and other specialized SBA lenders like Huntington Bancshares and NewtekOne.
- Market Share (%): 7.8
- USDA Loans: Live Oak offers USDA loans to support businesses in rural areas. While specific market share data is less readily available, it's a significant part of their lending portfolio. Competitors are traditional banks and credit unions that offer USDA programs.
- Commercial Real Estate Loans: Live Oak provides loans for commercial real estate projects. Market share data is not readily available as it falls under a broad market and Live Oak is only one part of the total market. Competitors are traditional banks and real estate financing companies.
- Market Share (%): 3.1
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. The demand for small business loans remains strong, but lenders are becoming more cautious due to economic uncertainty.
Positioning
Live Oak is positioned as a specialized lender focused on specific industries, giving it a competitive advantage in those sectors. Its technology investments also differentiate it from traditional banks.
Total Addressable Market (TAM)
The TAM for small business lending in the U.S. is estimated to be hundreds of billions of dollars annually. Live Oak is focused on capturing a growing share of this market through its specialized lending approach.
Upturn SWOT Analysis
Strengths
- Specialized industry expertise
- Strong SBA lending capabilities
- Investments in fintech
- Experienced management team
Weaknesses
- Concentration in specific industries
- Higher operating expenses relative to larger banks
- Reliance on government-guaranteed loans
- Sensitivity to interest rate changes
Opportunities
- Expanding into new industries
- Growing its fintech investment portfolio
- Increasing its deposit base
- Acquiring smaller banks or fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting small businesses
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- NewtekOne (NEWT)
- Bank of America (BAC)
Competitive Landscape
Live Oak's specialized lending approach differentiates it from larger banks like Bank of America. However, it faces competition from other specialized lenders like Huntington Bancshares and NewtekOne. Live Oak's technology investments and industry expertise give it a competitive edge.
Major Acquisitions
Apiture
- Year: 2021
- Acquisition Price (USD millions): 200
- Strategic Rationale: Apiture helps enhance the digital banking experience for Live Oak's customers and other financial institutions.
Growth Trajectory and Initiatives
Historical Growth: Live Oak has experienced significant growth in its lending portfolio and revenue over the past several years, driven by its focus on specialized lending and strategic acquisitions.
Future Projections: Analyst estimates for Live Oak's future growth vary, but generally expect continued growth in its lending business and fintech investments.
Recent Initiatives: Recent initiatives include expanding its geographic reach, investing in new technologies, and developing new lending products.
Summary
Live Oak Bancshares is a specialized lender with a strong focus on small business lending and fintech investments. Its expertise in specific industries and technology investments are working well, however it is vulnerable to fluctuations in economic conditions and heightened competition. Live Oak needs to focus on diversification and cost-effective operations to continue a solid growth trajectory. Overall, Live Oak is positioned for future growth within a unique banking segment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be exact. Financial data is based on historical performance and does not guarantee future results.
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 1008 | Website https://www.liveoak.bank |
Full time employees 1008 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.