LOB
Live Oak Bancshares, Inc.
Next earnings Jul 21, 2026 · consensus $0.64 EPS, $151M rev
Last earnings -0.3% on 2026-04-22
$41.40
▲ +1.07%$41.40▲ +42.11%
over 1Y
L $29.13EODHDH $41.68
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.1%
1W+7.3%
1M+9.8%
3M+29.1%
YTD+19.5%
1Y+42.1%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Mixed signals in the latest filings.
Return on equity 8.5% · latest
The read
It screens cheap (~105% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
Live Oak Bancshares, Inc. shows limited reported revenue, and 8.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $167M | $176M | $73.9M | $77.5M | $106M |
| Diluted EPS | $3.71 | $3.92 | $1.64 | $1.69 | $2.23 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF13.3
PEG (trailing)0.51
Earnings yield5.5%
FCF yield7.5%
Quality & risk
ROIC (est.)—
Free cash flow$143M
Total debt$1.46M
Net cash$863M
Piotroski F-Score5/6
Capital returns
Buyback yield0.0%
Dividend yield (est.)0.3%
Shareholder yield0.3%
Shares Δ YoY+1.4%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-242026-06-25open ↗144Filing2026-06-24open ↗8-KPeriod ending 2026-06-162026-06-18open ↗4Period ending 2026-06-102026-06-12open ↗144Filing2026-06-11open ↗144Filing2026-06-10open ↗4Period ending 2026-06-032026-06-05open ↗144Filing2026-06-04open ↗144Filing2026-06-03open ↗4Period ending 2026-05-272026-05-29open ↗144Filing2026-05-28open ↗144Filing2026-05-27open ↗
Frequently asked
- Is Live Oak Bancshares, Inc. (LOB) a buy?
- LOB currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is LOB's fair value?
- A Modified-Graham model based on LOB's SEC fundamentals estimates a fair value of about $84.74. It is an estimate from reported earnings, not a price target.
- Is LOB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, LOB currently appears undervalued relative to its SEC-grounded earnings power.
- What is Live Oak Bancshares, Inc.'s quality score?
- LOB scores 78.64705882352939/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001462120, latest 10-Q filed 2026-05-05) · EODHD · as of 6/26/2026, 7:04:49 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.