Live Oak Bancshares Declares Cash Dividends for Shareholders
Live Oak Bancshares (LOB) has announced cash dividends for both its common stock and Series A preferred shares, payable on March 15, 2026, to shareholders of record as of March 5, 2026. The company will issue $0.03 per share for common stock and $0.52344 per depositary share for its preferred stock. These declarations demonstrate the company's confidence in its earnings stability and capital position, aiming to attract income-focused investors.
Live Oak Bancshares, Inc. (NASDAQ:LOB) to Issue Quarterly Dividend of $0.03
Live Oak Bancshares, Inc. (NASDAQ:LOB) has declared a quarterly dividend of $0.03 per share, payable on March 15th to shareholders of record on March 5th. This translates to an annualized dividend of $0.12 and a yield of approximately 0.3%. The company's dividend appears sustainable, with a payout ratio of 3.6% and expected future earnings projected to cover it.
Live Oak Bank Business Accounts: 2026 Review
This NerdWallet review of Live Oak Bank's business accounts highlights its top-notch high-yield business savings account, offering an impressive 2.85% APY with no minimum balance. While its business checking accounts are basic and lack cash deposit capabilities and extensive app integrations, the bank stands out for its strong customer support, high FDIC insurance coverage through Insured Cash Sweep, and reputation as a leading SBA lender. It's ideal for businesses prioritizing savings and loan access but less suited for those with significant cash transactions or needing advanced digital tools.
Live Oak Bancshares, Inc. (NYSE:LOB) Receives Average Rating of "Hold" from Brokerages
Live Oak Bancshares, Inc. (NYSE:LOB) has received an average "Hold" rating from brokerages, based on reports from four research firms. This consensus includes one sell, two hold, and one strong buy rating. The company recently reported strong quarterly earnings, beating analyst expectations with $0.95 EPS against an estimated $0.56, and revenue of $161.86 million.
Zacks Research Downgrades Live Oak Bancshares (NYSE:LOB) to Strong Sell
Zacks Research downgraded Live Oak Bancshares (NYSE:LOB) from a "hold" to a "strong sell" rating. Despite this downgrade, the company reported strong quarterly earnings, beating analyst consensus with $0.95 EPS on $161.9 million revenue. Live Oak Bancshares maintains an average "Hold" rating from other analysts, with mixed individual ratings ranging from Strong Buy to Sell.
CenterBook Partners LP Has $5.22 Million Stock Holdings in Live Oak Bancshares, Inc. $LOB
CenterBook Partners LP significantly reduced its stake in Live Oak Bancshares (NASDAQ:LOB) by 58.4% in the third quarter, selling over 208,000 shares but still holding 148,328 shares valued at $5.22 million. Other institutional investors, such as Jones Financial Companies Lllp and State of Alaska Department of Revenue, increased their positions in the bank during the same period. Analysts currently have an average "Moderate Buy" rating on Live Oak Bancshares, with an average price target of $44.20.
Positive Signs As Multiple Insiders Buy Live Oak Bancshares Stock
Multiple insiders have recently purchased shares in Live Oak Bancshares, Inc. (NYSE:LOB), signaling positive sentiment for the company. While a significant purchase by an independent director occurred at a lower price than current trading, overall insider buying outweighs selling, with insiders owning a substantial 23% of the company. This insider activity, combined with high ownership, suggests a bullish outlook for Live Oak Bancshares.
Did Strong Q4 Beat, Analyst Upgrades and New Leaders Just Shift Live Oak Bancshares' (LOB) Investment Narrative?
Live Oak Bancshares (LOB) recently exceeded Q4 2025 earnings expectations, leading to analyst upgrades and a renewed investor focus. The company's digital-first small business model and SBA focus are seen as key drivers for loan and deposit growth, though reliance on government-backed lending remains a risk. This positive news, coupled with new leadership, suggests a potentially shifting investment narrative for the bank.
LIVE OAK BANCSHARES INC (NYSE:LOB) Fits Minervini Trend Template with High-Growth Momentum
LIVE OAK BANCSHARES INC (NYSE:LOB) has been identified as a stock fitting Mark Minervini's "Trend Template" and exhibiting high-growth momentum. The company shows strong technical indicators, including its price being above key moving averages and having superior relative strength, alongside robust fundamental growth in earnings and sales. This combination suggests LOB warrants further investigation by growth-focused investors looking for stocks with accelerating business basics and strong uptrends.
Live Oak Bancshares unveils insights on business loan payments
Live Oak Bancshares has published a new blog post focusing on the importance of monthly payments in business loans. The company also introduced "Live Oak Express" to streamline the loan process for businesses, aiming to support their growth and financial management. This initiative provides detailed analysis and guidance for businesses to more effectively navigate loan processes.
Live Oak Bancshares surges 66% after InvestingPro’s undervalued call By Investing.com
Live Oak Bancshares (NYSE: LOB) surged 66% after InvestingPro's Fair Value models identified it as significantly undervalued in April 2025. The stock, initially trading at $23.75, reached $41.04, surpassing its estimated intrinsic value. This performance was bolstered by strong Q4 2025 earnings and analyst upgrades, validating InvestingPro's comprehensive, data-driven valuation methodology.
Live Oak Bancshares surges 66% after InvestingPro’s undervalued call By Investing.com
Live Oak Bancshares (NYSE: LOB) surged 66% after InvestingPro's Fair Value models identified it as significantly undervalued in April 2025. The company's stock, initially trading at $23.75, reached the target price and continued to climb, now trading at $41.04, showcasing the accuracy of data-driven valuation. Strong Q4 2025 earnings and analyst upgrades further supported the bullish thesis for LOB.
Assessing Live Oak Bancshares (LOB) Valuation After Quarterly Beat And Analyst Target Upgrade
Live Oak Bancshares (LOB) recently exceeded market expectations with its quarterly results, leading an analyst firm to upgrade its valuation outlook while maintaining a positive rating. The stock has shown strong momentum, with significant share price returns over the last 30 and 90 days. Despite a "60% Undervalued" narrative suggesting a fair value of $42, the current P/E ratio of 18.7x is above industry averages, raising questions about whether continued growth is already priced in.
Live Oak Bancshares promotes streamlined lending with Live Oak Express
Live Oak Bancshares is promoting its streamlined lending process through its Live Oak Express platform, which aims to provide quick and straightforward financial services. The company emphasizes its commitment to enhancing customer experience. This initiative is part of Live Oak Bancshares' broader efforts to improve its financial offerings, including competitive deposit products like a 3.80 percent APY on savings.
Live Oak Bancshares price target lowered to $51 from $53 at TD Cowen
TD Cowen has reduced its price target for Live Oak Bancshares (LOB) to $51 from $53, while maintaining a Buy rating on the shares. This adjustment was made after the firm updated its financial model to reflect revised provision and GAAP fee assumptions following the company's recent quarterly results.
Live Oak Bancshares offers high-yield savings with no fees
Live Oak Bancshares is providing a high-yield personal savings account without monthly maintenance fees, coupled with FDIC insurance for secure growth. This offering builds on the bank's history of competitive savings products, including a previous 3.80 percent APY on savings accounts. The initiative aims to deliver simple and rewarding financial solutions to customers.
How Stronger 2025 Earnings and Lower Charge-offs Could Shape Live Oak Bancshares' (LOB) Investment Case
Live Oak Bancshares (LOB) reported stronger 2025 earnings with increased net interest income and reduced net charge-offs, positively influencing its investment narrative. Despite these improvements and recent share price strength, profitability risks remain due to modest return on equity and anticipated margin compression. The article suggests investors consider multiple perspectives on the bank's growth, credit risk, and margins.
How Stronger 2025 Earnings and Lower Charge-offs Could Shape Live Oak Bancshares' (LOB) Investment Case
Live Oak Bancshares reported stronger 2025 results with increased net interest income and net income, alongside reduced net charge-offs. These improvements, particularly in credit quality, are key to its investment narrative, though profitability risks and a modest return on equity remain. The market has already reacted to these positive developments, reflected in the share price rise, but the bank's exposure to potential credit quality issues is still a significant consideration for investors.
How Stronger 2025 Earnings and Lower Charge-offs Could Shape Live Oak Bancshares' (LOB) Investment Case
Live Oak Bancshares (LOB) reported stronger 2025 results with increased net interest income and net income, alongside reduced net charge-offs. This performance improves the bank's near-term outlook by easing credit quality concerns, though investors should remain mindful of profitability risks due to a modest return on equity and expected margin compression. The article suggests that while the market has reacted, LOB's investment case is shaped by its niche small business focus, technology investments, and continued exposure to credit quality fluctuations.
Insider Buying: Ewa Stasiowska Acquires Shares in Live Oak Bancs
Ewa Stasiowska, Chief Risk Officer at Live Oak Banking Company, recently acquired 2,595 shares of Live Oak Bancshares Inc (LOB) on January 26, 2026. This purchase contributes to an insider buying trend for the company, which has seen three insider buys and ten insider sells over the past year. Live Oak Bancshares Inc, trading at $38.53, is considered fairly valued with a price-to-GF-Value ratio of 0.92 according to GuruFocus.
Insider Buying: Live Oak Bancshares (NASDAQ:LOB) Insider Buys 2,595 Shares of Stock
Live Oak Bancshares (NASDAQ:LOB) Director Ewa Maria Stasiowska recently purchased 2,595 shares of the company's stock at an average price of $38.53, totaling approximately $99,985. This transaction increased her direct ownership to 2,595 shares. The company has a market capitalization of $1.76 billion, a P/E ratio of 26.41, and offers a quarterly dividend of $0.03, equating to a 0.3% annual yield.
Live Oak Bancshares (NASDAQ:LOB) Insider Sells $378,397.00 in Stock
Live Oak Bancshares insider Courtney Spencer sold 9,700 shares of LOB stock for $378,397, reducing her ownership by 27.83%. The stock traded down 1.2% to $38.30, with a market capitalization of $1.76 billion. The company recently paid a quarterly dividend of $0.03 per share, and analysts have a "Moderate Buy" consensus rating with an average price target of $42.50 despite a recent target reduction by Piper Sandler.
Live Oak Bancshares CRO Stasiowska buys $99,999 in stock By Investing.com
Live Oak Bancshares' Chief Risk Officer, Ewa Maria Stasiowska, recently purchased $99,999 worth of company stock, acquiring 2595.231 shares at prices between $38.532 and $38.535. This insider buying occurs as InvestingPro analysis suggests the stock is trading below its Fair Value with a PEG ratio of 0.54, indicating potential undervaluation. The company also reported strong Q4 2025 financial results, exceeding market expectations, which led to a price target increase from Keefe, Bruyette & Woods.
Live Oak Bancshares Q4 2025 Earnings Report & Analysis - News and Statistics
Live Oak Bancshares reported its Q4 2025 results, showing strong loan growth and improved operating controls, leading to a positive market reaction despite an earnings per share and adjusted operating income miss. The company's revenue exceeded analyst estimates, growing 16.8% year-on-year. Management addressed analyst questions regarding net interest margin, expense growth, loan income, market share in SBA loans, and business checking growth, indicating a focus on technology investments and increasing noninterest-bearing deposits.
5 Insightful Analyst Questions From Live Oak Bancshares’s Q4 Earnings Call
Live Oak Bancshares (LOB) reported strong Q4 results with significant loan production and customer expansion, leading to a positive market reaction. Management highlighted record loan growth, improved operating controls, and gains from venture investments, with President Vijay Moesch noting a 17% increase in loan balances and stabilization of credit performance. The article also delves into five key analyst questions from the earnings call, addressing topics such as net interest margin impact from Fed cuts, expense run-rate, loan income trends, market share in SBA loans, and business checking growth.
Whittier Trust Co. Has $6.18 Million Holdings in Live Oak Bancshares, Inc. $LOB
Whittier Trust Co. significantly increased its stake in Live Oak Bancshares (NASDAQ:LOB) by 937,663.2% in Q3, now owning 178,175 shares valued at approximately $6.18 million. Institutional investors hold 63.95% of the stock, while insiders own 23.40%. Despite a "neutral" rating from Piper Sandler and a target cut to $35, the consensus remains a "Moderate Buy" with an average target of $42.50.
Whittier Trust Co. of Nevada Inc. Raises Position in Live Oak Bancshares, Inc. $LOB
Whittier Trust Co. of Nevada Inc. significantly increased its stake in Live Oak Bancshares (NASDAQ:LOB) by 7,761.4% in the third quarter, now owning 103,063 shares worth $3.577 million. Despite a recent price target cut by Piper Sandler to $35 with a "neutral" rating, the company maintains a MarketBeat consensus of "Moderate Buy" with an average target of $42.50. Live Oak Bancshares also announced a quarterly dividend of $0.03 and continues to see institutional ownership at approximately 63.95%.
Live Oak Bancshares stock price target raised to $146 by KBW on strong Q4
KBW has raised its price target for Live Oak Bancshares (NYSE:LOB) to $146 from $132, maintaining an Outperform rating after the bank's strong fourth-quarter results. The bank's shares recently rose about 5% following reported earnings that surpassed KBW's estimates, demonstrating continued impressive momentum. Despite strategic delays in some SBA loan sales impacting gain-on-sale fees, diluted EPS for the last twelve months reached $2.23, and credit performance remained stable.
Live Oak’s 2025 net income up 33% as assets hit $15.1B
Live Oak Bancshares reported a strong financial performance for 2025, with net income attributable to common shareholders increasing by 33% to $102.8 million and diluted EPS reaching $2.23. The company saw an 18.3% rise in total revenue to $577.8 million, driven by $6.21 billion in loan production and $1.93 billion in deposit growth, pushing total assets to $15.13 billion. Additionally, Live Oak recorded a $24.1 million pre-tax gain from the sale of Apiture, despite a provision for credit losses of $96.3 million.
Live Oak Bancshares stock sees RS rating jump to 85
Live Oak Bancshares (LOB) stock has received an upgrade to its Relative Strength (RS) Rating, moving from 80 to 85. This improvement indicates a strengthening performance compared to other stocks in the market. Investors often look for stocks with an RS Rating of 80 or higher as a sign of strong price performance.
Record Loan Growth and Lower Charge‑offs Might Change The Case For Investing In Live Oak Bancshares (LOB)
Live Oak Bancshares (LOB) reported strong full-year 2025 results with increased net interest income and net income, alongside reduced net charge-offs in the fourth quarter. These figures, driven by record loan production and deposit growth, reinforce the company's digital-first small business banking model. Despite these positive trends and market momentum, credit quality and bad loans remain key risks for investors.
Live Oak Bancshares (LOB) Beats Q4 Earnings and Revenue Estimates
Live Oak Bancshares (LOB) reported strong Q4 2025 earnings of $0.95 per share, significantly surpassing the Zacks Consensus Estimate of $0.56, and revenues of $172.91 million, beating estimates by 16.32%. Despite the positive earnings surprise, the current Zacks Rank for LOB is #3 (Hold), suggesting a market-perform outlook. The article also touches on SouthState (SSB), another bank in the same industry, anticipated to report earnings soon.
Live Oak Bancshares stock price target raised to $146 by KBW on strong Q4 By Investing.com
KBW increased its price target for Live Oak Bancshares (NYSE:LOB) to $146.00 from $132.00, maintaining an Outperform rating after the bank's strong fourth-quarter results. The company reported diluted earnings per share of $2.23 for the last twelve months, exceeding estimates despite strategically delaying some SBA loan sales. Live Oak Bancshares shares have shown significant momentum, gaining 8.4% in the past week and 26.2% over the last six months.
Live Oak Shares 2025 Q4 Performance
Live Oak Bancshares exceeded Wall Street's expectations in Q4 2025, reporting net income of $44.1 million, or 95 cents per diluted share. This strong performance, driven by significant customer acquisition and growth in loan production and deposits, comes despite industry challenges and reflects the bank's focus on customer service and credit management. Executives anticipate continued momentum, particularly with strategic opportunities in business checking and Small Business Administration loans.
Live Oak Bancshares, Inc. (NYSE:LOB) Q4 2025 Earnings Call Transcript
Live Oak Bancshares, Inc. reported strong Q4 2025 earnings, with net income tripling year-over-year and record loan production driven by a 17% annual loan balance growth. The company also highlighted significant improvements in operating processes, credit stabilization, and the acceleration of key growth initiatives like Live Oak Express and business checking. Despite potential near-term NIM compression due to Fed rate cuts, management expressed optimism for continued growth and profitability in 2026, especially as deposit pricing adjusts and strategic investments in AI and technology enhance efficiency and customer service.
Live Oak Bancshares stock price target raised to $146 by KBW on strong Q4
KBW increased its price target for Live Oak Bancshares (NYSE: LOB) to $146 from $132, maintaining an Outperform rating after the bank's strong fourth-quarter results. The bank's shares rose significantly after exceeding earnings estimates, partly due to strategically delayed SBA loan sales. Despite a trading price above its Fair Value according to InvestingPro, KBW highlighted stable credit performance and noted that strong net interest margin performance is likely to reverse next quarter due to Federal Reserve rate cuts.
Live Oak Bancshares (LOB) Q4 EPS Surge Tests Bullish Earnings Rebound Narrative
Live Oak Bancshares (LOB) reported a significant Q4 2025 EPS surge to US$0.96 and total revenue of US$139.9 million, concluding FY 2025 with strong growth. Despite a trailing twelve-month net margin of 21.4% and 32.7% earnings growth, the company faces scrutiny due to a five-year annual earnings decline of 15.5%, a high P/E ratio, and concerns over a 4.5% non-performing loan ratio with limited coverage. Investors are cautioned to consider the sustainability of recent profitability against longer-term trends and credit quality risks.
Fourth-Quarter Earnings Put Live Oak Bancshares in Spotlight
Live Oak Bancshares Inc. (NYSE: LOB) saw its shares close higher after reporting strong fourth-quarter 2025 financial results. The company reported significant year-on-year growth in revenue and net income for both the quarter and the full year, driven by higher loan balances, deposit growth, and asset expansion. Investors reacted positively to the financial performance and operational expansion, particularly in small-business lending.
Live Oak Bancshares (LOB) Reports $44M Net Income in Q4 2025 with 17% Loan Growth
Live Oak Bancshares (LOB) reported strong financial results for Q4 2025, with a net income of $44 million and earnings per share of $0.95, tripling Q4 2024 figures. The company achieved $6.2 billion in loan production, marking a 17% year-over-year growth, and saw a significant increase in customer relationship expansion. Management plans to continue investing in technology and AI to enhance operational efficiency and customer service.
Live Oak signals momentum with 17% loan growth and targets $1B Live Oak Express production over time
Live Oak Bank is demonstrating strong momentum with a 17% loan growth and an ambitious target of $1 billion in Live Oak Express production in the future. This growth indicates a positive outlook for the bank, particularly in its express loan offerings, underscoring its strategic expansion efforts.
Live Oak Bancshares (NYSE:LOB) Trading Up 9.6% Following Earnings Beat
Live Oak Bancshares (NYSE:LOB) saw its shares climb 9.6% after reporting better-than-expected quarterly earnings, with EPS of $0.95 against an estimated $0.56 and revenue of $161.86 million. The stock hit an intraday high of $42.89. Analyst sentiment is mixed but leans positive, with ratings ranging from "Strong Buy" to "Hold," resulting in a "Moderate Buy" consensus from MarketBeat.
Earnings call transcript: Live Oak Bancshares Q4 2025: Strong Earnings Beat
Live Oak Bancshares (LOB) reported exceptional financial results for Q4 2025, significantly outperforming analyst expectations with an EPS of $0.95 against a forecast of $0.57 and revenue of $172.91 million. The company's stock rose 9.35% in premarket trading on the news, reflecting strong investor confidence. Key drivers included record loan production, 17% loan growth, and strategic initiatives like the Live Oak Express product and enhanced business checking offerings, despite ongoing macro uncertainties and competitive pressures.
Live Oak Bancshares Inc earnings beat by $0.38, revenue topped estimates
Live Oak Bancshares Inc (NYSE: LOB) reported strong fourth-quarter results, beating analyst estimates for both earnings per share and revenue. The company posted an EPS of $0.95, significantly higher than the estimated $0.57, and revenue reached $172.91 million, exceeding the consensus of $151.32 million. Despite recent positive performance, the company has seen more negative EPS revisions than positive over the last 90 days.
CEO Share Sale Tests Valuation Picture At Live Oak Bancshares
The CEO of Live Oak Bancshares (NYSE:LOB), James S. Mahan III, recently sold 10,000 shares, continuing a pattern of share disposals. This sale occurs while the stock is trading 18.5% above its estimated fair value according to Simply Wall St, despite being below the average analyst target. The article suggests this insider activity provides a data point for investors to re-evaluate their thesis on the company, especially considering risks like a high bad loans ratio.
LIVE OAK BANCSHARES ($LOB) Q4 2025 Earnings Results
LIVE OAK BANCSHARES ($LOB) released its Q4 2025 earnings, reporting earnings per share of $0.95, missing estimates by $0.01, but revenue beat estimates at $172,910,000. Insider trading activity for LOB shows more sales than purchases over the past six months, with CEO JAMES S III MAHAN selling a significant number of shares. Hedge funds show mixed activity, with some major institutions adding shares while others substantially reduced their positions.
Live Oak Bancshares (NYSE:LOB) Reports Strong Q4 CY2025
Live Oak Bancshares (NYSE:LOB) reported strong Q4 CY2025 results, exceeding Wall Street's revenue expectations with a 29.9% year-on-year increase to $172.9 million. The company's GAAP profit of $0.95 per share also beat analyst estimates by 18.3%. Despite a slight miss on tangible book value per share, the overall performance was considered solid, driven by robust net interest income and continued growth in their specialized small business online banking services.
Live Oak Bancshares: Q4 Earnings Snapshot
Live Oak Bancshares Inc. (LOB) reported a strong fourth quarter, with profits of $46.2 million and earnings of 95 cents per share, significantly surpassing Wall Street's expectations of 56 cents per share. The bank holding company also posted impressive revenues, with $289.4 million in the period and $172.9 million net of interest expense, both exceeding forecasts. For the full year, Live Oak Bancshares reported a profit of $105.9 million, or $2.23 per share, on revenues of $577.8 million.
Why Live Oak Bancshares (LOB) Stock Is Trading Up Today
Shares of Live Oak Bancshares (LOB) rose 6% after TD Cowen initiated coverage with a Buy rating and a $50 price target, ahead of the company's anticipated quarterly earnings report. The positive analyst outlook on mid and small-cap banks, combined with earlier dovish remarks from Fed Chair Jerome Powell, contributed to the stock's year-to-date gain of 12.3%. The company is trading near its 52-week high, with investors closely watching its upcoming Q4 earnings.
Live Oak Bancshares, Inc. Reports Fourth Quarter 2025 Results
Live Oak Bancshares, Inc. announced strong financial results for the fourth quarter and full year 2025, driven by significant increases in net income, revenue, and loan production. The company reported a net income attributable to common shareholders of $44.1 million for Q4 2025 and $102.8 million for the full year. Live Oak Bancshares also highlighted strong operational performance, including $6.21 billion in loan production and a 16.9% increase in total assets, while maintaining disciplined credit quality.
Live Oak Bancshares, Inc. Reports Fourth Quarter 2025 Results
Live Oak Bancshares, Inc. announced strong financial results for the fourth quarter and full year 2025. The company reported net income attributable to common shareholders of $44.1 million ($0.95 per diluted share) for Q4 2025 and $102.8 million ($2.23 per diluted share) for the full year 2025. Key highlights include strong loan production of $6.21 billion, deposit growth of $1.93 billion, and a 16.9% increase in total assets to $15.13 billion.
