Finnhub•2026-04-24
Transcript : Live Oak Bancshares, Inc., Q1 2026 Earnings Call, Apr 23, 2026LOB — Live Oak Bancshares Inc
NYSE · Banking · Banking
$37.43+3.86%Market cap1.54B
- Latest Close
- $37.43
- 30-Day Move
- +3.9%
- Market Cap
- $1.5B
- Shares Outstanding
- 46,220,000
- P/E Ratio
- 14.58
- P/B Ratio
- 1.26
Analyst consensus: Buy · 9 analysts
NYSE:LOBBanking / BankingDelayed public snapshot
Live Oak Bancshares Inc
A read-only Alphactor snapshot forLive Oak Bancshares Inc. It uses the same research structure as the app, but with delayed data and shallow depth so search visitors can evaluate the stock before signing up.
Snapshot as of2026-04-24
Topline snapshot
Latest Close
$37.43
30-Day Move
+3.9%
Market Cap
$1.5B
Shares Outstanding
46,220,000
P/E Ratio
14.58
P/B Ratio
1.26
Not investment advice. Signals and scores shown here are model outputs derived from historical data, not recommendations. Past performance does not guarantee future results. Do your own research before trading. Full disclaimer
Chart snapshot
$37.43
+3.9%last 90 delayed daily bars
Market cap$1.5B
90D High
$42.89
90D Low
$31.11
Avg Volume
314,388
What stands out
Net margin is 13.5%, useful for comparing LOB against peers in Banking.
LOB is up 3.9% over the last 30 trading days shown on this page.
Research snapshot
Composite Fair Value
$76.53
Rule of 40
38.9%
Fundamentals snapshot
Latest Close
$37.43
30-Day Move
+3.9%
Market Cap
$1.5B
Shares Outstanding
46,220,000
P/E Ratio
14.58
P/B Ratio
1.26
ROE
8.5%
ROA
70.0%
Operating Margin
14.9%
Net Margin
13.5%
Debt / Equity
0.08
Dividend Yield
37.4%
Latest Revenue
$133M
Financial statement snapshot
Revenue
$133M
Gross Profit
--
Operating Income
--
Net Income
$46M
Gross Margin
--
Net Margin
1345.8%
Current Ratio
--
Debt / Equity
0.08
Valuation snapshot
Fair Value
$76.53
Upside / Downside
+104.5%
Signal
Undervalued
Implied Growth
-11.0%
DCF
$78.01
EV/Rev
$75.05
Growth Assumption
11.4%
Discount Rate
9.6%
Terminal Growth
2.0%
Base FCF
$143M
Valuation spread
Current Price
$37.43
Composite Fair Value
$76.53
DCF
$78.01
EV/Rev
$75.05
After signup
The full valuation workspace goes deeper
Adjust DCF growth, discount, and terminal assumptions instead of relying on one static snapshot.
Open the deeper balance-sheet and cash-flow views to inspect debt, liquidity, and cash generation line by line.
Compare multiple valuation models against peers and save your own thesis instead of re-reading a fixed public state.
Negative growth / decline priced in
Quality snapshot
Altman Z
0.18
Distress
Piotroski
6
Moderate (4-6)
Cash Conversion
1.49x
Rule of 40
38.9%
Acceptable
Annual financial history
Annual performance mix
| Period | Revenue | Operating Income | Net Income | Free Cash Flow |
|---|---|---|---|---|
| 2022-12-31 | $392M | -- | $176M | $-344M |
| 2023-12-31 | $426M | -- | $74M | $138M |
| 2024-12-31 | $482M | -- | $77M | $107M |
| 2025-12-31 | $541M | -- | $106M | $143M |
After signup
The app opens the full statement deep dive
Extend the history well beyond this public snapshot to inspect longer cycles and regime changes.
Move from summary lines into detailed balance-sheet and cash-flow rows for working capital, debt, and capex analysis.
Cross-link statement changes with alerts, watchlists, and saved research workflows after signup.
News snapshot
SeekingAlpha•2026-04-24
Live Oak Bancshares, Inc. (LOB) Q1 2026 Earnings Call TranscriptBenzinga•2026-04-23
Live Oak Bancshares Q1 2026 Earnings Call: Complete TranscriptSeekingAlpha•2026-04-23
Live Oak Bancshares, Inc. 2026 Q1 - Results - Earnings Call PresentationChartMill•2026-04-22
Live Oak Bancshares Inc (NYSE:LOB) Q1 2026 Earnings Beat EstimatesAfter signup
The full sentiment workspace adds context
Go past the public headlines into fuller article history, source cross-checks, and deeper narrative tracking.
Tie news into alerts, watchlists, and conviction changes instead of browsing one static batch of stories.
Insider activity snapshot
Buy Value
$0
Sell Value
$4M
Buys
0
Sells
18
Buy Value
$0
Sell Value
$4M
Buy/Sell Ratio
0.00x
After signup
The full app goes deeper on insider behavior
Inspect longer insider history, recurring buyers and sellers, and the broader transaction context beyond this snapshot.
Continue into deeper institutional and alternative-data views once you sign up.
Recent insider transactions
| Date | Name | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-12 | MAHAN JAMES S III | Sell | 10,000 | $32.50 |
| 2026-03-11 | MAHAN JAMES S III | Sell | 10,000 | $32.83 |
| 2026-03-05 | MAHAN JAMES S III | Sell | 1,139 | $35.89 |
| 2026-03-05 | MAHAN JAMES S III | Sell | 8,861 | $35.37 |
| 2026-03-04 | MAHAN JAMES S III | Sell | 10,000 | $36.69 |
| 2026-03-02 | Phifer Walter J | Sell | 4,712 | $36.58 |
| 2026-03-02 | Seward Gregory W | Sell | 3,000 | $36.70 |
| 2026-02-26 | MAHAN JAMES S III | Sell | 1,246 | $40.00 |
Institutional holders snapshot
Qube Research & Technologies
Filed 2026-02-17
--
--
BlackRock
Filed 2024-05-10
$114M
--
Vanguard Group
Filed 2025-11-07
$95M
-0.1%
Geode Capital Management
Filed 2025-11-12
$29M
+1.1%
D.E. Shaw
Filed 2026-02-17
$12M
+22.9%
Northern Trust
Filed 2025-11-14
$11M
+2.1%
Analyst consensus?
Rating(?)
3.67
Consensus
BuyTarget Mean(?)
—
Target High(?)
—
Target Low(?)
—
Analysts
9
For informational and educational purposes only. Not financial advice. Learn more
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