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NYSE · LOBFinancialsBanking & Credit

Live Oak Bancshares, Inc. (LOB)

$36.01+4.62%
Close Nov 4, 2026 · split-adjusted
Nov 2, 2026$35.07▲ 11.02% in range
Nov 3, 2025Low $29.41 · High $43.76Nov 2, 2026
What changed · written from our data
As of Nov 4, 2026

Live Oak Bancshares closed at $36.01 on Nov 4, up 4.62%, 17.7% below its 52-week closing high. Volume of 154.6K shares was 0.54× its 20-day average (below normal).

Split-adjusted performance: -1.3% over one month, -4.6% over six months, +14.0% over one year.

In the quarter ended Jun 30, 2026, revenue was $272.52M, up 7.0% from a year earlier, with a net margin of 12.7%.

Short interest was 2.5M shares at the Oct 15 settlement, up 11.2% from the prior report (6.9% of float, 10.3 days to cover).

Market cap$1.67B46.4M shares
Revenue · quarter$272.5M+7.0% YoY
Diluted EPS$0.74+45.1% YoY
P/E · TTM12.6×P/S 1.6×
Net margin12.7%Gross 57.3%
Dividend yield0.33%$0.03 last paid
52-week range29.41 – 43.76−17.7% from high
Volume154.6K0.54× 20-day avg
Volatility · 60d24.7%Annualised
Short % of float6.9%10.3 days to cover
Net cash$2.30BCash $2.40B
Next earnings—Not scheduled
Split-adjusted performance
1W +3.9%1M −1.3%3M −15.3%6M −4.6%YTD +4.8%1Y +14.0%3Y +24.1%5Y −49.8%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 432 companies (100 = best)

6-month momentum23
Revenue growth58
Net margin32
Value (low P/E)49
Size65

Industry medians: 6-month return +7.5%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short2.5M+11.2% vs prior
Days to cover10.3Settled Oct 15
% of float6.9%
Short vol. 10d45.4%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
LOBLive Oak Bancshares$36.01+4.62%−4.6%+7.0%12.7%12.6$1.67B
CNOBCenter Bancorp$33.21+2.22%+10.1%−10.4%16.1%11.6$1.67BCompare
BFCBank First$151.11+2.17%+3.7%+44.1%28.7%20.6$1.67BCompare
CASHPathward Financial$79.18+2.50%−9.3%−3.2%15.2%9.4$1.64BCompare
NBHCNATIONAL BANK HOLDINGS$38.33+2.24%−10.8%+22.6%14.6%17.4$1.70BCompare
QCRHQCR Holdings$104.20+1.98%+13.4%+5.7%24.1%12.0$1.71BCompare
HOPEHope Bancorp$13.49+2.90%+6.8%+18.0%13.0%13.2$1.72BCompare
TCBKTrico Bancshares$54.07+2.10%+6.4%+4.3%24.5%12.8$1.73BCompare
WLTHWealthfront$11.07+6.14%−2.7%—19.3%—$1.73BCompare

News about Live Oak Bancshares

All news →
Live Oak Bancshares: 3 Key Takeaways for Long-Term InvestorsThe Motley Fool · Oct 26, 2026▲ PositiveLive Oak Bancshares (LOB) Reports Q3 Earnings: What Key Metrics Have to SayZacks Investment Research · Oct 21, 2026▼ NegativeLive Oak Bancshares (LOB) Q3 Earnings Lag EstimatesZacks Investment Research · Oct 21, 2026▼ NegativeLive Oak Bancshares (LOB) Earnings Expected to Grow: What to Know Ahead of Next Week's ReleaseZacks Investment Research · Oct 14, 2026Neutral

Quick answers

What does Live Oak Bancshares do?
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide.
What is LOB's market cap?
$1.67B, based on the Nov 4 close of $36.01.
What is LOB's P/E ratio?
12.6× trailing-twelve-month earnings of $132.32M.
Does Live Oak Bancshares pay a dividend?
Yes. The latest regular dividend was $0.03 per share (ex-date Sep 1), an annualised yield of 0.33%.
How much of LOB is sold short?
2.5M shares, 6.9% of float, as of Oct 15, 2026.
What sector is LOB in?
Financials, in the Banking & Credit industry.

About Live Oak Bancshares

Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.

HQ: Wilmington, NC1,040 employeesListed Jul 23, 2015liveoakbank.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology