- ISIN
- US53803X1054
- CUSIP
- 53803X105
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jul 23, 2015
Highlights
- EPS (TTM)
- $2.72
- PE Ratio
- 14.19
- Total Revenue (TTM)
- $804.91M
- Gross Profit (TTM)
- $408.20M
- EBITDA (TTM)
- $164.98M
- Year Range
- $28.90 - $42.89
- Target Price
- $35.00
- ROA (TTM)
- 0.63%
- ROE (TTM)
- 6.30%
Share Price Chart
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Performance
LOB Performance Chart
Live Oak Bancshares, Inc. (LOB) is up 12.5% since the beginning of the year. At $39 per share, LOB is trading 10.0% below its 52-week high of $43. Investors who bought $1,000 worth of LOB shares 5 years ago would now be looking at an investment worth $650.
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Returns By Period
Live Oak Bancshares, Inc. (LOB) has returned 12.53% so far this year and 38.98% over the past 12 months. Over the last ten years, LOB has returned 11.38% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Live Oak Bancshares, Inc.
- 1D
- 0.86%
- 1M
- 3.60%
- YTD
- 12.53%
- 6M
- 6.72%
- 1Y
- 38.98%
- 3Y*
- 15.87%
- 5Y*
- -8.26%
- 10Y*
- 11.38%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
LOB Monthly Returns History
Based on dividend-adjusted daily data since Jul 23, 2015, LOB's average daily return is +0.07%, while the average monthly return is +1.59%. At this rate, an investment would double in approximately 3.7 years.
Historically, 57% of months were positive and 43% were negative. The best month was Oct 2020 with a return of +47.2%, while the worst month was Jan 2022 at -32.6%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 5 months.
On a daily basis, LOB closed higher 49% of trading days. The best single day was Mar 26, 2020 with a return of +18.1%, while the worst single day was Mar 14, 2023 at -18.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 16.33% | -9.23% | -8.75% | 13.70% | 1.14% | 1.55% | 12.53% | ||||||
| 2025 | -10.27% | -10.28% | -16.19% | -1.95% | 5.01% | 8.68% | 6.07% | 22.40% | -8.90% | -11.58% | 2.50% | 7.71% | -12.82% |
| 2024 | -20.07% | 9.29% | 4.51% | -22.14% | 6.68% | 1.77% | 28.75% | -4.76% | 10.27% | -16.17% | 19.37% | -16.51% | -12.82% |
| 2023 | 13.34% | 1.05% | -29.48% | -3.32% | -8.15% | 21.74% | 43.94% | -14.60% | -10.40% | -0.35% | 16.57% | 35.42% | 51.27% |
| 2022 | -32.57% | 8.70% | -20.42% | -16.82% | -5.05% | -15.61% | 11.07% | -3.72% | -15.49% | 6.11% | 2.80% | -9.45% | -65.30% |
| 2021 | -15.97% | 38.19% | 24.35% | -6.61% | -5.24% | -2.61% | 2.02% | 1.69% | 4.01% | 40.15% | -0.06% | -2.03% | 84.27% |
Benchmark Metrics
Live Oak Bancshares, Inc. has an annualized alpha of 0.96%, beta of 1.29, and R2 of 0.25 versus S&P 500 Index. Calculated based on daily prices since July 23, 2015.
- This stock participated in 150.93% of S&P 500 Index downside but only 135.07% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.25 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 0.96%
- Beta
- 1.29
- R²
- 0.25
- Upside Capture
- 135.07%
- Downside Capture
- 150.93%
Return for Risk
Risk / Return Rank
LOB ranks 71 for risk / return — better than 71% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Live Oak Bancshares, Inc. (LOB) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LOB | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.91 | ||
| Sortino ratioReturn per unit of downside risk | -1.07 | ||
| Omega ratioGain probability vs. loss probability | 1.21 | 1.37 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | 1.63 | 2.78 | -1.15 |
| Martin ratioReturn relative to average drawdown | 3.45 | 12.44 | -8.99 |
Dividends
Dividend History
Live Oak Bancshares, Inc. provided a 0.31% dividend yield over the last twelve months, with an annual payout of $0.12 per share. The company has been increasing its dividends for 10 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.12 | $0.10 | $0.07 | $0.02 |
Dividend yield | 0.31% | 0.35% | 0.30% | 0.26% | 0.40% | 0.14% | 0.25% | 0.63% | 0.81% | 0.42% | 0.38% | 0.14% |
Monthly Dividends
The table displays the monthly dividend distributions for Live Oak Bancshares, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.06 | ||||||
| 2025 | $0.00 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.12 |
| 2024 | $0.00 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.12 |
| 2023 | $0.00 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.03 | $0.00 | $0.12 |
| 2022 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | $0.00 | $0.03 | $0.00 | $0.12 |
| 2021 | $0.00 | $0.00 | $0.03 | $0.00 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | $0.00 | $0.03 | $0.00 | $0.12 |
Dividend Yield & Payout
Dividend Yield
Live Oak Bancshares, Inc. has a dividend yield of 0.31%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
Live Oak Bancshares, Inc. has a payout ratio of 8.49%, which is below the market average. This means Live Oak Bancshares, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Live Oak Bancshares, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Live Oak Bancshares, Inc. was 79.41%, occurring on May 11, 2023. The portfolio has not yet recovered.
The current Live Oak Bancshares, Inc. drawdown is 59.92%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -79.41%May 2023 | 1y 6mo | — | 4y 7moNov 2021 - now |
COVID crash2020 | -74.82%Mar 2020 | 1y 7mo | 7mo 1d | 2y 2moJul 2018 - Oct 2020 |
2016 bear market2016 | -41.14%Jan 2016 | 5mo 5d | 1y 27d | 1y 6moAug 2015 - Feb 2017 |
2021 bear market2021 | -23.49%Jun 2021 | 1mo 22d | 4mo 12d | 6mo 4dApr 2021 - Oct 2021 |
2021 bear market2021 | -21.78%Feb 2021 | 19d | 22d | 1mo 11dJan 2021 - Feb 2021 |
Drawdown Indicators
| LOB | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -79.41% | -56.78% | -22.63% |
Max Drawdown (1Y)Largest decline over 1 year | -23.99% | -9.10% | -14.89% |
Max Drawdown (3Y)Largest decline over 3 years | -53.79% | -18.90% | -34.89% |
Max Drawdown (5Y)Largest decline over 5 years | -79.41% | -25.43% | -53.98% |
Max Drawdown (10Y)Largest decline over 10 years | -79.41% | -33.92% | -45.49% |
Current DrawdownCurrent decline from peak | -59.92% | -1.80% | -58.12% |
Average DrawdownAverage peak-to-trough decline | -39.22% | -10.71% | -28.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.33% | 2.03% | +9.30% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Live Oak Bancshares, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Live Oak Bancshares, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for LOB, comparing it with other companies in the Banks - Regional industry. Currently, LOB has a P/E ratio of 14.2. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for LOB relative to other companies in the Banks - Regional industry. Currently, LOB has a P/S ratio of 1.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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