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How to buy Live Oak Bancshares stock

Learn how to easily invest in Live Oak Bancshares stock.

Live Oak Bancshares is a banks-regional business based in the US. Live Oak Bancshares shares (LOB) are listed on the NASDAQ and all prices are listed in US Dollars. Live Oak Bancshares employs 940 staff and has a trailing 12-month revenue of around $539 million.

How to buy Live Oak Bancshares stock

  1. Open a stock trading account. Use our comparison table or choose from our Top Picks.
  2. Confirm your payment details. Fund your account with a bank transfer, debit card or credit card and take advantage of any signup bonuses.
  3. Search for the stock by name or ticker symbol – LOB. It's that simple.

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Live Oak Bancshares stock price (NASDAQ: LOB)

Use our graph to track the performance of LOB stocks over time.

Live Oak Bancshares shares at a glance

Information last updated 2023-01-25.
Latest market close$33.09
52-week range$27.50 - $67.04
50-day moving average $31.70
200-day moving average $35.66
Wall St. target price$34.00
PE ratio 8.1287
Dividend yield $0.12 (0.39%)
Earnings per share (TTM) $4.57

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Is it a good time to buy Live Oak Bancshares stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Live Oak Bancshares price performance over time

Historical closes compared with the close of $33.09 from 2023-01-27

1 week (2023-01-20) 7.30%
1 month (2022-12-26) N/A
3 months (2022-10-27) 10.52%
6 months (2022-07-29) -12.09%
1 year (2022-01-28) -39.73%
2 years (2021-01-29) -17.03%
3 years (2020-01-30) 84.96%
5 years (2018-01-30) 23.01%

Is Live Oak Bancshares stock undervalued or overvalued?

Valuing Live Oak Bancshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Live Oak Bancshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Live Oak Bancshares's P/E ratio

Live Oak Bancshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 8x. In other words, Live Oak Bancshares shares trade at around 8x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Live Oak Bancshares financials

Revenue TTM $539 million
Operating margin TTM 49.38%
Gross profit TTM $438.6 million
Return on assets TTM 2.34%
Return on equity TTM 2742.88%
Profit margin 37.96%
Book value $18.24
Market capitalisation $1.4 billion

TTM: trailing 12 months

Live Oak Bancshares share dividends


Dividend payout ratio: 2.64% of net profits

Recently Live Oak Bancshares has paid out, on average, around 2.64% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0.39% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Live Oak Bancshares shareholders could enjoy a 0.39% return on their shares, in the form of dividend payments. In Live Oak Bancshares's case, that would currently equate to about $0.12 per share.

While Live Oak Bancshares's payout ratio might seem low, this can signify that Live Oak Bancshares is investing more in its future growth.

Live Oak Bancshares's most recent dividend payout was on 12 December 2022. The latest dividend was paid out to all shareholders who bought their shares by 27 November 2022 (the "ex-dividend date").

Live Oak Bancshares share price volatility

Over the last 12 months, Live Oak Bancshares's shares have ranged in value from as little as $27.5 up to $67.0372. A popular way to gauge a stock's volatility is its "beta".

LOB.US volatility(beta: 1.49)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Live Oak Bancshares's is 1.4855. This would suggest that Live Oak Bancshares's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Live Oak Bancshares overview

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers 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 provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Frequently asked questions

What percentage of Live Oak Bancshares is owned by insiders or institutions?
Currently 25.422% of Live Oak Bancshares shares are held by insiders and 65.472% by institutions.
How many people work for Live Oak Bancshares?
Latest data suggests 940 work at Live Oak Bancshares.
When does the fiscal year end for Live Oak Bancshares?
Live Oak Bancshares's fiscal year ends in December.
Where is Live Oak Bancshares based?
Live Oak Bancshares's address is: 1741 Tiburon Drive, Wilmington, NC, United States, 28403
What is Live Oak Bancshares's ISIN number?
Live Oak Bancshares's international securities identification number is: US53803X1054
What is Live Oak Bancshares's CUSIP number?
Live Oak Bancshares's Committee on Uniform Securities Identification Procedures number is: 53803X105

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