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LOB
$37.17-0.43 (-1.14%)
Market ClosedLast close May 1
Live Oak Bancshares, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Live Oak Bancshares, Inc. in the Financial Services sector is trading at $37.17. The stock is currently 13% below its 52-week high of $42.89, remaining 5.7% above its 200-day moving average. Technical signals show neutral RSI of 56 and bullish MACD crossover, explaining why LOB maintains its current momentum and trend strength. The Whystock Score of 65/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 56) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$37.17
Potential Upside
16.1%
Whystock Fair Value$43.16
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus4 analysts
Buy
Mean target$42.75+15.0%
Range$41.00 – $47.00
Fundamentals
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, ...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$1.68B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
16.27
Beta
High-beta play. Expect amplified moves vs. the broad market.
1.90
Div Yield
Strong income play. Yield provides a meaningful total return floor.
33.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
4.49%
Volume
Today's trading volume
140,953
Recent News
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A Look At Live Oak Bancshares (LOB) Valuation As Shares Deliver Strong 1 Year Gains
Key financial snapshot investors are watching Live Oak Bancshares (LOB) is back on investor radars as its recent share performance and latest reported figures offer a fresh snapshot of this US small business focused bank’s current positioning. The company reports revenue of US$512.213 million and net income of US$121.052 million, all generated from its US banking platform for small businesses, which remains its sole operating and geographic revenue segment. At a recent share price of...
1 Cash-Heavy Stock on Our Buy List and 2 Facing Challenges
A cash-heavy balance sheet is often a sign of strength, but not always. Some companies avoid debt because they have weak business models, limited expansion opportunities, or inconsistent cash flow.
Live Oak Bancshares Inc (LOB) Q1 2026 Earnings Call Highlights: Strong EPS Growth and Strategic ...
Live Oak Bancshares Inc (LOB) reports a robust Q1 2026 with significant EPS growth, strategic loan originations, and a focus on AI-driven operational efficiency.