LOB | Ticker Profile - Titan Protect

LOB

Live Oak Bancshares, Inc.

Financial Services · Banks - Regional · NYQ

$37.41

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.7B

Total market value of the company

Trailing P/E

14.40

Reasonably valued

Forward P/E

9.13

Based on estimated future earnings — lower means cheaper

Rev Growth

+33.5%

Year-over-year revenue change

Profit Margin

24.6%

How much profit the company keeps from each dollar of revenue

ROE

10.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$41.50

+11% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 4 analysts covering this stock

About Live Oak Bancshares, Inc.

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.

https://www.liveoak.bank

Country: United States Employees: 1,027 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.388

Positive but modest risk-adjusted returns

Kelly Fraction

0.0232

Modest edge detected — smaller position warranted

Calmar Ratio

0.145

Drawdown risk outweighs the returns — higher risk profile

Annual Return

7.8%

Historical annualised return based on price data

Max Drawdown

-53.8%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

264

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.92

Significantly more volatile than the market

52W High

$42.89

13% below the year high

52W Low

$26.77

40% above the year low

Avg Volume

254,932

Average daily shares traded — higher means easier to buy and sell

Short Ratio

9.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

6.8%

Moderate short interest

Div Yield

32.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.62

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

35.5%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$512M

Total revenue over the last 12 months

Net Income

$121M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$47.00

Target Median

$41.50

Target Low

$41.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
2026-04-24	Ro Khanna	Democrat	Purchase	1K–15K
2026-04-20	Richard Blumenthal	Democrat	Sale	15K–50K
2026-04-13	Ro Khanna	Democrat	Purchase	1K–15K
2026-04-13	Ro Khanna	Democrat	Sale	1K–15K
2026-04-13	Ro Khanna	Democrat	Sale	1K–15K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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