Live Oak Bancshares, Inc. (LOB)
Financials · NYQ
Price as at 1 Oct 2026, 19:33 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Live Oak Bancshares, Inc. trades at $36.33, which is 157% below the $93.46 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 43 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 16.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
LOB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.090 | 3 |
| 2025 | $0.120 | 4 |
| 2024 | $0.120 | 4 |
| 2023 | $0.120 | 4 |
| 2022 | $0.120 | 4 |
| 2021 | $0.120 | 4 |
| 2020 | $0.120 | 4 |
| 2019 | $0.120 | 4 |
| 2018 | $0.120 | 4 |
| 2017 | $0.100 | 4 |
| 2016 | $0.070 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
LOB earnings and analyst estimates
Recommendation mix, 5 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in 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 provides 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 offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
LOB passes 5 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
8 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Two Sigma, TWO SIGMA INVESTMENTS, LP$17.16M · 0.0% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$8.90M · 0.0% of book
- Diamond Hill, Diamond Hill Capital Management, LLC (Investment Advisor)$7.32M · 0.1% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$5.67M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$4.09M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
LOB peers
The largest companies in the same industry (Banks - Regional), then in the same sector.
- HDB HDFC Bank Limited
- IBN ICICI Bank Limited
- CIXPF CaixaBank, S.A.
- ITUB Itaú Unibanco Holding S.A.
- NWG NatWest Group plc
- DB Deutsche Bank Aktiengesellschaft
- NU Nu Holdings Ltd.
- CRARF Crédit Agricole S.A.
Every financials company we cover is on the Financials hub.
Common questions
Is Live Oak Bancshares, Inc. (LOB) undervalued?
Against our fair value estimate of $93.46, LOB at $36.33 is 157% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own LOB?
8 of the institutions we track reported a position in LOB in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is LOB's P/E ratio?
LOB trades at 16.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Live Oak Bancshares, Inc. (LOB) pay a dividend?
Yes. Live Oak Bancshares, Inc. yields 0.28% at the current share price. It has paid $0.120 per share over the trailing twelve months. It has paid a dividend in each of the last 11 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its LOB data?
Fundamentals for LOB come from company filings and exchange data, as listed on NYQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 19:33 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for LOB, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.