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How to buy Live Oak Bancshares stock | 45.3

Own Live Oak Bancshares stock in just a few minutes.

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Live Oak Bancshares, Inc 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 628 staff and has a trailing 12-month revenue of around USD$228.9 million.

How to buy shares in Live Oak Bancshares

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Live Oak Bancshares. Find the stock by name or ticker symbol: LOB. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Live Oak Bancshares reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$45.3, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Live Oak Bancshares, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Live Oak Bancshares. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

How has coronavirus impacted Live Oak Bancshares's share price?

Since the stock market crash in March caused by coronavirus, Live Oak Bancshares's share price has had significant positive movement.

Its last market close was USD$45.3, which is 60.46% up on its pre-crash value of USD$17.91 and 498.41% up on the lowest point reached during the March crash when the shares fell as low as USD$7.57.

If you had bought USD$1,000 worth of Live Oak Bancshares shares at the start of February 2020, those shares would have been worth USD$507.35 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$2,570.78.

Live Oak Bancshares share price

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

Live Oak Bancshares shares at a glance

Information last updated 2020-11-19.
Latest market close USD$45.3
52-week range USD$7.5526 - USD$47.5
50-day moving average USD$35.3039
200-day moving average USD$21.8861
Wall St. target price USD$40.67
PE ratio 46.7889
Dividend yield USD$0.12 (0.26%)
Earnings per share (TTM) USD$0.9

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

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 $45.3 from 2020-11-16

1 week (2020-11-16) 45.3
1 month (2020-10-26) 34.02%
3 months (2020-08-24) 126.61%
6 months (2020-05-22) 246.07%
1 year (2019-11-22) 149.04%
2 years (2018-11-23) 146.33%
3 years (2017-11-24) 86.80%
5 years (2015-11-24) 203.82%

Is Live Oak Bancshares under- or over-valued?

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 47x. In other words, Live Oak Bancshares shares trade at around 47x recent earnings.

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

Live Oak Bancshares financials

Revenue TTM USD$228.9 million
Operating margin TTM 23.61%
Gross profit TTM USD$187.8 million
Return on assets TTM 0.58%
Return on equity TTM 6.61%
Profit margin 16.07%
Book value $14.397
Market capitalisation USD$1.8 billion

TTM: trailing 12 months

Shorting Live Oak Bancshares shares

There are currently 911,859 Live Oak Bancshares shares held short by investors – that's known as Live Oak Bancshares's "short interest". This figure is 23.1% down from 1.2 million last month.

There are a few different ways that this level of interest in shorting Live Oak Bancshares shares can be evaluated.

Live Oak Bancshares's "short interest ratio" (SIR)

Live Oak Bancshares's "short interest ratio" (SIR) is the quantity of Live Oak Bancshares shares currently shorted divided by the average quantity of Live Oak Bancshares shares traded daily (recently around 331585.09090909). Live Oak Bancshares's SIR currently stands at 2.75. In other words for every 100,000 Live Oak Bancshares shares traded daily on the market, roughly 2750 shares are currently held short.

However Live Oak Bancshares's short interest can also be evaluated against the total number of Live Oak Bancshares shares, or, against the total number of tradable Live Oak Bancshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Live Oak Bancshares's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Live Oak Bancshares shares in existence, roughly 20 shares are currently held short) or 0.0398% of the tradable shares (for every 100,000 tradable Live Oak Bancshares shares, roughly 40 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Live Oak Bancshares.

Find out more about how you can short Live Oak Bancshares stock.

Live Oak Bancshares share dividends

14%

Dividend payout ratio: 13.64% of net profits

Recently Live Oak Bancshares has paid out, on average, around 13.64% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0.26% 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 0.26% 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 22 September 2020. The latest dividend was paid out to all shareholders who bought their shares by 4 September 2020 (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 $7.5526 up to $47.5. A popular way to gauge a stock's volatility is its "beta".

LOB.US volatility(beta: 1.35)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 1.3467. 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 new 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 founded in 2008 and is headquartered in Wilmington, North Carolina.

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