Stock AnalizLive Oak Bancshares, Inc. LOB
Major Banks · IPO 2022 · data as of November 13, 2026
Live Oak Bancshares, Inc. (LOB) is a financial company listed in the US with a market value of about $1.6B. In the twelve months to September 30, 2026 it had revenue of $650M and net income of $131M, a net margin of 20.2%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (2/5).
Key numbers: a P/E of 12.5, a price to free cash flow of 5.5, 5-year revenue growth of 16% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 127% above the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- 5-year revenue growth above 8% a year
Checks not passed
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $650M | $578M | $489M | $449M | $565M | $457M | $281M | $204M | $204M | $251M | $136M |
| Net income | $131M | $106M | $77M | $74M | $176M | $167M | $60M | $18M | $51M | $100M | $14M |
| Free cash flow | $297M | $143M | $107M | $138M | -$344M | -$123M | -$282M | -$520M | -$105M | -$412M | -$233M |
| EPS (diluted) | $2.81 | $2.23 | $1.69 | $1.64 | $3.92 | $3.71 | $1.43 | $0.44 | $1.24 | $2.65 | $0.39 |
| Net margin | 20.2% | 18.3% | 15.9% | 16.4% | 31.2% | 36.5% | 21.2% | 8.9% | 25.2% | 40.1% | 10.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $40.50, 15% above the current price; targets range from $38.00 to $42.00; the consensus rating is “Buy”; expected EPS is $2.71 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Live Oak Bancshares’s P/E ratio?
About 12.5, based on the last twelve months of diluted earnings per share (forward P/E about 9.3).
Is Live Oak Bancshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 127% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Live Oak Bancshares pay a dividend?
Yes. The dividend yield is about 0.34%, and it has paid dividends for 10 years in our data.
Is Live Oak Bancshares a good stock to buy?
We do not give buy or sell advice. Live Oak Bancshares scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.