Live Oak Bancshares, Inc. (LOB) is a Financials stock trading at $42.15 (as of 2026-07-24), with a market capitalization of $1.95B and a trailing P/E of 15.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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.
Live Oak Bancshares operates as a bank holding company for Live Oak Banking Company, providing commercial banking products like deposit accounts and commercial loans to individuals, small businesses, and professionals, and it makes money through lending and deposit-related banking activities.
As a commercial bank, its profit model is driven by the spread between earnings on its commercial loans and the costs associated with funding those loans through its deposit products.
Business quality (Mixed): For the latest reported quarter (2026-03-31), operating margin was 17.1% on revenue of about 0.2B, but no segment revenue breakdown or operating KPI metrics were provided here.
Valuation: At 15× earnings, LOB trades 16% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $42.15 |
| Market Cap | $1.95B |
| P/E Ratio | 15.5 |
| EV / EBITDA | 5.2 |
| Price / Book | 1.52 |
| Price / Sales | 2.10 |
| FCF Yield | 7.0% |
| DCF Value (model) | $37.44 |
| DCF Upside vs Price | -11.2% |
| Revenue (TTM) | $908.47M |
| Net Margin | 11.7% |
| Revenue Growth (YoY) | 9.7% |
| EPS Growth (YoY) | 190.5% |
| Stock P/E | 15.5 |
| Sector P/E (Financials) | 15.4 |
| Industry P/E (Banking) | 13.4 |
| vs Sector | 0.4% |
| vs Industry | 15.2% |
| Top Institutional Holder | T. Rowe Price Investment Management, Inc. ($214.63M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | James S. Mahan |
| Employees | 1,008 |
| Country | US |
| IPO Date | 2015-07-23 |
Data as of 2026-07-24.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.