Stock Research: Live Oak Bancshares

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Live Oak Bancshares

NYQ:LOB US53803X1054
14
  • Value
    32
  • Growth
    45
  • Safety
    Safety
    4
  • Combined
    4
  • Sentiment
    55
  • 360° View
    360° View
    14
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Company Description

Live Oak Bancshares, Inc. is a bank holding company specializing in lending and deposit-related services to small businesses nationwide. It operates in the financial services industry. The company operates nationally, with its headquarters in Wilmington, North Carolina. In the last fiscal year, the company had a market cap of $1,416 million and 1008 employees. Revenue and profits data were not available.

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ANALYSIS: With an Obermatt 360° View of 14 (better than 14% compared with alternatives), overall professional sentiment and financial characteristics for the stock Live Oak Bancshares are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Live Oak Bancshares. The consolidated Sentiment Rank has a good rank of 55, which means that professional investors are more optimistic about the stock than for 55% of alternative investment opportunities. But all other ranks are below average. The consolidated Value Rank has a rank of 32, which means that the share price of Live Oak Bancshares is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. The consolidated Growth Rank also has a low rank of 45, meaning that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. This means that growth is lower than for 45% of competitors in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 4 which means that the company has a riskier financing structure than 96% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 26-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
32 19 4 1
Growth
45 89 84 66
Safety
Safety
4 8 94 63
Sentiment
55 15 39 79
360° View
360° View
14 19 62 55
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Metrics Current 2025 2024 2023
Analyst Opinions
38 1 48 44
Opinions Change
50 2 79 50
Pro Holdings
n/a 23 20 87
Market Pulse
33 50 36 42
Sentiment
55 15 39 79
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Metrics Current 2025 2024 2023
Value
32 19 4 1
Growth
45 89 84 66
Safety Safety
4 8 94 63
Combined
4 24 73 30
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
87 64 20 1
Price vs. Earnings (P/E)
23 28 5 1
Price vs. Book (P/B)
29 21 3 1
Dividend Yield
33 8 10 13
Value
32 19 4 1
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Metrics Current 2025 2024 2023
Revenue Growth
60 96 92 12
Profit Growth
60 80 8 82
Capital Growth
47 85 87 41
Stock Returns
45 5 100 97
Growth
45 89 84 66
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Metrics Current 2025 2024 2023
Leverage
78 78 91 26
Refinancing
1 5 40 34
Liquidity
1 6 74 97
Safety Safety
4 8 94 63

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Frequently Asked
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Only the professional market sentiment is positive. The stock is expensive, has low growth, and low financial safety. This is a weak investment proposition. Only a small, highly-speculative investment may be justified by investors who strongly believe the positive sentiment points to an positive future.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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