LIVE OAK BANCSHARES INC (LOB)
Financials · Digital small business lending / SBA lending · NYSE
A digital-first SBA lender using advanced technology and industry specialization to serve small businesses across the United States without physical branches.
What LIVE OAK BANCSHARES INC does
Live Oak Bancshares is a bank holding company for Live Oak Banking Company, a national online platform focused on originating SBA-guaranteed loans and USDA-backed loans to small businesses and professionals. The company uses a technology-based platform to originate and service loans across carefully selected industry verticals without maintaining traditional branch locations. The company also generates revenue through loan servicing, loan sales, and deposit gathering.
Themes: ["SBA lending","Small business financing","Digital banking / online lending","USDA loan programs","Loan servicing"]
Fundamentals
- Price$41.32 as of 2026-07-09 close
- Market cap$1.9B as of 2026-07-10
- 1-year return+28.4% as of 2026-07-09 close
- P/E15.17 as of 2026-07-10
- Net margin+13.5% as of 2026-07-10
- ROE+10.5% as of 2026-07-10
- Debt / equity0.08 as of 2026-07-10
- Revenue growth (YoY)+59.6% as of 2026-07-10
- Beta1.90 as of 2026-07-10
Dividend: yield +0.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Increased delinquencies and credit losses could adversely impact business, financial condition and results of operations, particularly given concentration in SBA lending.","Loss of SBA Preferred Lender status or changes to SBA/USDA lending programs by the federal government could materially harm the core business model.","Material weaknesses in internal control over financial reporting, including identified issues that, if not remediated, could result in loss of investor confidence and adversely impact the trading price of securities."]
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.