LOB
Live Oak Bancshares, Inc.
Financial Services · Banks - Regional · NYQ
$37.72
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.7B
Trailing P/E
14.40
Forward P/E
9.13
Rev Growth
+33.5%
Profit Margin
24.6%
ROE
10.9%
Analyst Target
$41.50
Recommendation
BUY
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 76.0
Score Combined: 59.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality78.6
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 54.4 · Rank: #953
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$1.1B
Price/Book
1.47
Beta
1.922
Analysts
4
Total Revenue (TTM)
$512.2M
Total Debt
$99.7M
Earnings Growth
+185.7%
Dividend Yield
32.0%
Rec. Mean
2.40
Short Ratio
9.40
Short % Float
0.1%
Employees
1,027

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Trade Consideration
The Opportunity
Score 59.1 (P94 — top 5.9% of scored tickers). Unknown Moat. Ethical FAIL. 4 analysts at Buy.
Price: $37.72 | Target: $42.75 (+13%)
Score
59
Moat
Unknown
Conviction
Standard
Upside
+13%
The Fundamentals
Revenue Growth+33.5%
Profit Margin24.6%
ROE10.9%
Forward P/E9.1
Market Cap$1.7B
Position Sizing Scenarios
Stop: $32.06 (-15%) | Entry: $37.72
SharesCostProfit to TargetR:R
To Consensus ($42.75, 4 analysts)
10$377.20+$50.30 (13%)0.9R
50$1,886.00+$251.50 (13%)0.9R
100$3,772.00+$503.00 (13%)0.9R
Risk Factors
  • High beta (1.92) — amplifies market moves by 1.92x
  • Elevated short interest (9.40 days to cover)
The Verdict
Live Oak Bancshares, Inc. holds a unknown competitive moat and is growing revenue at +33.5%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
59.5
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.5%
worst expected daily loss, 19 in 20 days
CVaR 95%
-5.9%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.25
above 1.0 is good
Max Drawdown
-53.8%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
65
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
0.6x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
SUKOON.AE-0.173
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
Jul
Worst Month
Oct
Fri-Mon Effect
-0.06684137100175519
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-3.0%
3M Return
-4.3%
6M Return
+23.4%
12M Return
+34.6%
Momentum Rank
#1948
Momentum Signal
UP

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