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Live Oak Bancshares, Inc.

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US53803X1054
USD
32.82
0.07 (0.21%)

Mar 25

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

32.3933.23

52 Week

22.6842.89
Valuation
Technical
Day's Volume

CASH

107.3 k

Shareholding (Dec 2025)

FII

6.80%

Held by 83 FIIs

DII

60.26%

Held by 36 DIIs

Promoter

0.02%

How big is Live Oak Bancshares, Inc.?

22-Jun-2025

As of Jun 18, Live Oak Bancshares, Inc. has a market capitalization of $1.26 billion, with total assets of $12.94 billion and shareholder's funds of $999.03 million.

As of Jun 18, Live Oak Bancshares, Inc. has a market capitalization of 1,255.59 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 833.06 million and a net profit of 59.61 million.<BR><BR>As of Dec 24, the latest annual period shows shareholder's funds of 999.03 million and total assets of 12,943.38 million.

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What does Live Oak Bancshares, Inc. do?

22-Jun-2025

Live Oak Bancshares, Inc. is a bank holding company focused on providing lending services to small businesses across the U.S., with a recent net sales of $213 million and a market cap of approximately $1.26 billion.

Overview:<BR>Live Oak Bancshares, Inc. is a bank holding company operating in the Regional Banks industry, specializing in lending services to small businesses nationwide.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 213 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 10 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 1,255.59 Million (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 21.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 5.91% <BR>Price to Book: 1.22<BR><BR>Contact Details:<BR>Address: 1741 Tiburon Dr, WILMINGTON NC: 28403-6244 <BR>Tel: 1 910 7905867 <BR>Website: http://www.liveoakbank.com

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Who are in the management team of Live Oak Bancshares, Inc.?

22-Jun-2025

As of March 2022, the management team of Live Oak Bancshares, Inc. includes Chairman and CEO James Mahan, President Neil Underwood, Vice Chairman William Williams, and several independent directors, including William Cameron, Diane Glossman, Glen Hoffsis, and Howard Landis. They oversee the company's strategic direction and management.

As of March 2022, the management team of Live Oak Bancshares, Inc. includes the following individuals:<BR><BR>- Mr. James Mahan, who serves as the Chairman of the Board and Chief Executive Officer.<BR>- Mr. Neil Underwood, who is the President and a Director.<BR>- Mr. William Williams, who holds the position of Vice Chairman of the Board and Executive Vice President.<BR>- Dr. Tonya Williams, who is a Director.<BR>- Mr. William Cameron, who serves as an Independent Director.<BR>- Ms. Diane Glossman, who is also an Independent Director.<BR>- Dr. Glen Hoffsis, who serves as an Independent Director.<BR>- Mr. Howard Landis, who is another Independent Director.<BR><BR>This team is responsible for the strategic direction and management of the company.

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Is Live Oak Bancshares, Inc. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Live Oak Bancshares, Inc. shows a neutral technical stance with mixed signals, indicating a shift from mildly bullish to sideways, while underperforming the S&P 500 with a year-to-date return of -21.39%.

As of 31 October 2025, the technical trend for Live Oak Bancshares, Inc. has changed from mildly bullish to sideways. The current technical stance is neutral, with mixed signals across different time frames. The weekly MACD is mildly bearish, while the monthly MACD is mildly bullish. Bollinger Bands and KST indicators are both indicating a mildly bearish trend on the weekly and monthly charts. Moving averages show a mildly bullish signal on the daily timeframe. <BR><BR>In terms of performance, the stock has underperformed compared to the S&P 500 across multiple periods, with a year-to-date return of -21.39% versus the S&P 500's 16.30%. Overall, the indicators suggest a lack of clear direction, with the stock facing bearish pressure in the short to medium term.

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Is Live Oak Bancshares, Inc. overvalued or undervalued?

25-Nov-2025

As of November 21, 2025, Live Oak Bancshares, Inc. is considered overvalued with a P/E ratio of 21, a Price to Book Value of 1.25, and an EV to EBITDA ratio of 3.16, while significantly underperforming the S&P 500 with year-to-date and one-year returns of -22.81% and -36.09%, respectively.

As of 21 November 2025, the valuation grade for Live Oak Bancshares, Inc. moved from very expensive to expensive. The company appears to be overvalued based on its current metrics. The P/E ratio stands at 21, which is significantly higher than peers like Renasant Corp. at 21.73 and WesBanco, Inc. at 17.59, indicating a premium valuation. Additionally, the Price to Book Value is 1.25, and the EV to EBITDA ratio is 3.16, both of which suggest that the stock may not be justified at its current price level.<BR><BR>Comparing the stock's performance against the S&P 500, Live Oak Bancshares has underperformed significantly over multiple periods, with a year-to-date return of -22.81% compared to the S&P 500's 12.26%. This trend continues over one year, where the company experienced a -36.09% return against the S&P 500's 11.00%. These figures reinforce the notion that the stock is overvalued relative to its financial performance and market benchmarks.

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Compare Live Oak Bancshares, Inc. with Similar Stocks

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

High Profitability with a Net Interest Margin of 16.98%

 
2

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%

3

With ROA of 0.43%, it has a expensive valuation with a 1.25 Price to Book Value

4

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 1,509 Million (Small Cap)

stock-summary
P/E

14.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

8.51%

stock-summary
Price to Book

1.21

Revenue and Profits:
Net Sales:
240 Million
(Quarterly Results - Dec 2025)
Net Profit:
46 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-8.6%
0%
-8.6%
6 Months
-8.32%
0%
-8.32%
1 Year
18.36%
0%
18.36%
2 Years
-17.83%
0%
-17.83%
3 Years
33.63%
0%
33.63%
4 Years
-40.1%
0%
-40.1%
5 Years
-49.59%
0%
-49.59%

Live Oak Bancshares, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
25.79%
EBIT Growth (5y)
9.77%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
5.38%
Pledged Shares
0
Institutional Holding
77.80%
ROCE (avg)
0
ROE (avg)
0

Valuation key factors

Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.21
EV to EBIT
3.09
EV to EBITDA
2.59
EV to Capital Employed
4.87
EV to Sales
0.36
PEG Ratio
0.40
Dividend Yield
NA
ROCE (Latest)
157.66%
ROE (Latest)
8.51%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 60 Schemes (32.91%)

Foreign Institutions

Held by 83 Foreign Institutions (6.8%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About Live Oak Bancshares, Inc. stock-summary
stock-summary
Live Oak Bancshares, Inc.
Regional Banks
Live Oak Bancshares, Inc. is a bank holding company. The Company conducts business operations primarily through its commercial bank subsidiary, Live Oak Banking Company (the Bank). The Bank specializes in providing lending services to small businesses nationwide in targeted industries. The loans originated by the Bank are guaranteed by the small business administration (SBA). The Company's loan portfolio includes commercial and industrial loans; construction and development loans; commercial real estate, and commercial land. The Company's investment securities include the United States Government agencies, residential mortgage-backed securities and mutual fund. The Company's deposits include non-interest-bearing deposits and interest-bearing deposits, such as interest-bearing checking, money market and time deposits.
Company Coordinates stock-summary
Company Details
1741 Tiburon Dr , WILMINGTON NC : 28403-6244
stock-summary
Tel: 1 910 7905867
stock-summary
http://www.liveoakbank.com
stock-summary
Registrar Details
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