LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis

NYSE:LOB • US53803X1054

40.75 USD
+0.21 (+0.52%)
At close: Feb 17, 2026
40.75 USD
0 (0%)
After Hours: 2/17/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

LOB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. LOB has a bad profitability rating. Also its financial health evaluation is rather negative. LOB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year LOB was profitable.
  • LOB had a positive operating cash flow in the past year.
  • LOB had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: LOB reported negative operating cash flow in multiple years.
LOB Yearly Net Income VS EBIT VS OCF VS FCFLOB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • With a Return On Assets value of 0.47%, LOB is not doing good in the industry: 80.31% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 5.73%, LOB is doing worse than 73.23% of the companies in the same industry.
Industry RankSector Rank
ROA 0.47%
ROE 5.73%
ROIC N/A
ROA(3y)0.64%
ROA(5y)1.15%
ROE(3y)8.06%
ROE(5y)13.85%
ROIC(3y)N/A
ROIC(5y)N/A
LOB Yearly ROA, ROE, ROICLOB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.61%, LOB is doing worse than 81.36% of the companies in the same industry.
  • LOB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for LOB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.03%
PM growth 5Y-3.44%
GM growth 3YN/A
GM growth 5YN/A
LOB Yearly Profit, Operating, Gross MarginsLOB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • LOB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for LOB has been increased compared to 1 year ago.
  • The number of shares outstanding for LOB has been increased compared to 5 years ago.
  • The debt/assets ratio for LOB has been reduced compared to a year ago.
LOB Yearly Shares OutstandingLOB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
LOB Yearly Total Debt VS Total AssetsLOB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • LOB has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
  • The Debt to FCF ratio of LOB (0.44) is better than 81.63% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that LOB is not too dependend on debt financing.
  • The Debt to Equity ratio of LOB (0.09) is better than 70.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACCN/A
WACC28.15%
LOB Yearly LT Debt VS Equity VS FCFLOB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LOB Yearly Current Assets VS Current LiabilitesLOB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 53.10% over the past year.
  • LOB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.82% yearly.
  • Looking at the last year, LOB shows a quite strong growth in Revenue. The Revenue has grown by 15.64% in the last year.
  • Measured over the past years, LOB shows a quite strong growth in Revenue. The Revenue has been growing by 15.53% on average per year.
EPS 1Y (TTM)53.1%
EPS 3Y7.44%
EPS 5Y9.82%
EPS Q2Q%331.82%
Revenue 1Y (TTM)15.64%
Revenue growth 3Y0.72%
Revenue growth 5Y15.53%
Sales Q2Q%35.01%

3.2 Future

  • The Earnings Per Share is expected to grow by 35.07% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 13.81% on average over the next years. This is quite good.
EPS Next Y29.39%
EPS Next 2Y35.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.62%
Revenue Next 2Y13.81%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
LOB Yearly Revenue VS EstimatesLOB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
LOB Yearly EPS VS EstimatesLOB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • LOB is valuated rather expensively with a Price/Earnings ratio of 18.36.
  • Compared to the rest of the industry, the Price/Earnings ratio of LOB indicates a slightly more expensive valuation: LOB is more expensive than 79.53% of the companies listed in the same industry.
  • LOB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 14.19, LOB is valued correctly.
  • 71.13% of the companies in the same industry are cheaper than LOB, based on the Price/Forward Earnings ratio.
  • LOB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.36
Fwd PE 14.19
LOB Price Earnings VS Forward Price EarningsLOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, LOB is valued cheaply inside the industry as 83.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.82
EV/EBITDA N/A
LOB Per share dataLOB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • LOB's earnings are expected to grow with 35.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)1.87
EPS Next 2Y35.07%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.30%, LOB is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, LOB's dividend is way lower than its industry peers. On top of this 87.14% of the companies listed in the same industry pay a better dividend than LOB!
  • With a Dividend Yield of 0.30, LOB pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.3%

5.2 History

  • The dividend of LOB has a limited annual growth rate of 0.13%.
  • LOB has paid a dividend for at least 10 years, which is a reliable track record.
  • LOB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.13%
Div Incr Years0
Div Non Decr Years9
LOB Yearly Dividends per shareLOB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

  • LOB pays out 9.36% of its income as dividend. This is a sustainable payout ratio.
  • LOB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.36%
EPS Next 2Y35.07%
EPS Next 3YN/A
LOB Yearly Income VS Free CF VS DividendLOB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M
LOB Dividend Payout.LOB Dividend Payout, showing the Payout Ratio.LOB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

LIVE OAK BANCSHARES INC

NYSE:LOB (2/17/2026, 8:04:00 PM)

After market: 40.75 0 (0%)

40.75

+0.21 (+0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners67.58%
Inst Owner Change5.62%
Ins Owners19.68%
Ins Owner Change2.33%
Market Cap1.88B
Revenue(TTM)577.82M
Net Income(TTM)68.61M
Analysts73.33
Price Target45.65 (12.02%)
Short Float %5.71%
Short Ratio5.63
Dividend
Industry RankSector Rank
Dividend Yield 0.3%
Yearly Dividend0.12
Dividend Growth(5Y)0.13%
DP9.36%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.83%
Min EPS beat(2)-8.94%
Max EPS beat(2)-4.73%
EPS beat(4)0
Avg EPS beat(4)-28.32%
Min EPS beat(4)-59.96%
Max EPS beat(4)-4.73%
EPS beat(8)1
Avg EPS beat(8)-22.51%
EPS beat(12)3
Avg EPS beat(12)-21.85%
EPS beat(16)5
Avg EPS beat(16)-20.01%
Revenue beat(2)2
Avg Revenue beat(2)5.65%
Min Revenue beat(2)1.35%
Max Revenue beat(2)9.96%
Revenue beat(4)4
Avg Revenue beat(4)4.16%
Min Revenue beat(4)1.35%
Max Revenue beat(4)9.96%
Revenue beat(8)7
Avg Revenue beat(8)3.05%
Revenue beat(12)9
Avg Revenue beat(12)2.1%
Revenue beat(16)13
Avg Revenue beat(16)10.93%
PT rev (1m)4.68%
PT rev (3m)5.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)-7.62%
EPS NY rev (3m)-10.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.53%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)-3.94%
Valuation
Industry RankSector Rank
PE 18.36
Fwd PE 14.19
P/S 3.45
P/FCF 7.82
P/OCF 7.53
P/B 1.57
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)2.22
EY5.45%
EPS(NY)2.87
Fwd EY7.05%
FCF(TTM)5.21
FCFY12.78%
OCF(TTM)5.41
OCFY13.29%
SpS11.82
BVpS26.03
TBVpS24.67
PEG (NY)0.62
PEG (5Y)1.87
Graham Number36.06
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 5.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.61%
GM N/A
FCFM 44.07%
ROA(3y)0.64%
ROA(5y)1.15%
ROE(3y)8.06%
ROE(5y)13.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.03%
PM growth 5Y-3.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.44
Debt/EBITDA N/A
Cap/Depr 34.98%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 349.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC28.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.1%
EPS 3Y7.44%
EPS 5Y9.82%
EPS Q2Q%331.82%
EPS Next Y29.39%
EPS Next 2Y35.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.64%
Revenue growth 3Y0.72%
Revenue growth 5Y15.53%
Sales Q2Q%35.01%
Revenue Next Year11.62%
Revenue Next 2Y13.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-53.51%
OCF growth 3YN/A
OCF growth 5YN/A

LIVE OAK BANCSHARES INC / LOB FAQ

What is the ChartMill fundamental rating of LIVE OAK BANCSHARES INC (LOB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to LOB.


Can you provide the valuation status for LIVE OAK BANCSHARES INC?

ChartMill assigns a valuation rating of 5 / 10 to LIVE OAK BANCSHARES INC (LOB). This can be considered as Fairly Valued.


Can you provide the profitability details for LIVE OAK BANCSHARES INC?

LIVE OAK BANCSHARES INC (LOB) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for LOB stock?

The Price/Earnings (PE) ratio for LIVE OAK BANCSHARES INC (LOB) is 18.36 and the Price/Book (PB) ratio is 1.57.


How sustainable is the dividend of LIVE OAK BANCSHARES INC (LOB) stock?

The dividend rating of LIVE OAK BANCSHARES INC (LOB) is 5 / 10 and the dividend payout ratio is 9.36%.