Lumida
/LOB
⌘K
Live Oak Bancshares Inc

Live Oak Bancshares Inc

LOB
$42.48USD↓-2.77%-1.21 today

MARKET CAP

2.0B

P/E (TTM)

16.3x

FWD P/E

12.2x

DAY RANGE

$42 – $43

52W RANGE

$29
$44

AI Summary

Stalk
StalkMedium

LOB remains in a Stage 2 advancing trend with bullish medium- and long-term momentum intact. However, price is extended above prior resistance and the Options Score is in extreme overbought territory, signaling elevated short-term exhaustion risk. A pullback and acceptance into the rising 9 and 20 EMAs near prior support offers a more selective entry zone consistent with our Value + EPS stability focus. We will stalk for that pullback to optimize timing while the bullish regime remains intact.

  • ↑Reported Q1 revenue of $119M (+18% YoY) and EPS of $0.61 (+3x YoY).
  • ↑Q1 loan production reached $1.37B; Live Oak Express target set at $750M+.
  • ↓Negative profitability factor underscores weak revenue-to-profit conversion.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Live Oak Bancshares, Inc. (NASDAQ: LOB) is a leading provider of financial services primarily focused on small business lending, particularly through Small Business Administration (SBA) loans. The company has carved out a significant niche within the banking industry by leveraging technology-driven solutions to enhance the overall banking experience for small business clients. Notably, Live Oak operates in a dynamic and competitive environment, proactively addressing market demands while expanding its deposit offerings and emphasizing operational efficiency.

Bull says

  • ↑Reported Q1 revenue of $119M (+18% YoY) and EPS of $0.61 (+3x YoY).
  • ↑Q1 loan production reached $1.37B; Live Oak Express target set at $750M+.
  • ↑Piloting AI-native loan origination platform to improve efficiency.
  • ↑Deposits up 3% QoQ to $9.9B; NIM at 3.27% with disciplined pricing.
  • ↑Leading SBA 7(a) lender strengthens small-business niche and stability.
  • ↑High earnings yield and attractive book-to-price reflect value.

Bear says

  • ↓Negative profitability factor underscores weak revenue-to-profit conversion.
  • ↓Non-accrual loans climbing to $110M raise credit quality concerns.
  • ↓Elevated short interest indicates market skepticism on stock.
  • ↓Asset-sensitive balance sheet faces margin pressure if rates rise.
  • ↓Growth factors may falter under tightening economic conditions.
  • ↓Potential SBA regulatory changes could restrict lending flexibility.

Investment themes with LOB

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-24-2026bullish

Transcript signals

Bull points

  • Our plan to create more sustainable earnings momentum is really working.
  • As you can see in our earnings trends with reported EPS of 60 cents per quarter and even stronger performance from the core operations.
  • Our lending businesses continue to put up strong numbers.

Bear points

  • The reported loan growth rate was a little more muted than the underlying production would suggest. That was primarily a timing function of elevated payoff activity during the quarter related to some larger loans across three verticals and were largely anticipated.
  • about fuel costs, how that could impact their business. It certainly, if this is prolonged, could impact, it will impact the business community, the small business community, all of us, you know, across operating expenses.
Read full transcript analysis ›