What is LOB's P/E ratio?

Live Oak Bancshares, Inc. (LOB) currently trades at a P/E ratio of 14.73.

Live Oak Bancshares, Inc. reports a Return on Equity (ROE) of 10.47%.

What is LOB's dividend yield?

Live Oak Bancshares, Inc. offers a dividend yield of 0.28%.

What is LOB's Quality Score?

Our AI rates LOB's overall financial quality at 31 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy LOB?

Our AI Timing Score for LOB is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does LOB belong to?

Live Oak Bancshares, Inc. is classified under the Financial Services >> Banks - Regional sector on the NYSE exchange

Live Oak Bancshares, Inc. (LOB) Stock Price

Stock Check Daily update data at 8:30 AM
(Price: 2026-08-04 | FS: 2026-06-30)

LOB AI Analysis Summary

Our AI summary for LOB: Live Oak Bancshares, Inc. (NYSE), Financial Services >> Banks - Regional sector. The stock currently trades at a P/E of 14.73, ROE of 10.47%, a dividend yield of 0.28%. Its financial Quality Score stands at 31/100 — fundamentals below the market average. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

LOB

Live Oak Bancshares, Inc.

USD 43.63

-0.13 (-0.30%) Day Change

Watchlist Portfolio Compare Chart

14.73

P/E

11.21

D/E

10.5%

ROE

0.9%

ROA

0.28%

Div Yield

-1.97

PEG

Data partially updated

LIVE OAK BANCSHARES, INC.
TYPE: STOCK
MARKET: NYSE

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USD 43.63 Price -0.13 (-0.30%) Day Change	NEWS SCORE: 99

LOB, the overall quality is not good ( Quality = 31) but the timing to buy is ...(Sign In to See)...

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31 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROA is relatively low.
Acceleration of ROA growth rate is below our criteria.
Historical ROA is relatively low.
Historical ROA is relatively low.
Acceleration of net profit margin growth rate is below our criteria
D/E ratio is relatively high

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not good , and ability to make profit is not quite good , ...

Quality Factors

45%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	99
Magic Formula Rank by ROA	2442
Magic Formula Rank by ROE	2442
Magic Formula Rank by ROIC	2492
Price	43.63
PBV / Sector	1.54 / 1.34 GOOD
Earning Per Share	2.96

PE / Sector	14.73 / 13.69
PEG or PE/Growth / Sector	-1.97 / 0.01
Average 1M Daily Value	8.07 M
Average 1W Daily Value	7.83 M

Timing Factors

85%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

45%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

58%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	12.73 / 25.98
NPM Average (%) / Sector	15.04 / 20,092.93 GREAT
NPM Change Average (%) / Sector	-9.42 / 20.72
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.86 / 1,212.43
ROA Average (%) / Sector	0.92 / 243.35
ROA Change Average (%) / Sector	-8.12 / 41,311.11
ROE (%) / Sector	10.47 / 2,096.47
ROE Average (%) / Sector	12.17 / 427.43
ROE Change Average (%) / Sector	-11.82 / 5,460.63
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

12%

Dividend (%) / Sector	0.28 / 2.49
Dividend Average (%) / Sector	0.32 / 46.24
Dividend Change Average (%) / Sector	-6.10 / -0.22

Registration Details

Analyze Date	2026-08-05 08:00:29
Symbol	LOB
Name	LIVE OAK BANCSHARES, INC.
Sector	Financial Services >> Banks - Regional
Market	NYSE
Listed Shares	46.28 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	2,025.37 / 7,069.04

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 1741 Tiburon Drive, Wilmington, NC, United States, 28403

Phone: 910 790 5867

Website: https://www.liveoak.bank

Employees: 1,027

Sector: Financial Services >> Banks - Regional

Description: 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.