LOB
Financial Services · Banks - Regional
Performance
LOB (LOB) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
LOB (LOB) operates in the Banks - Regional space within the Financial Services sector. With a market cap of $1.8B, it qualifies as a small-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 14.6× suggests the stock may be undervalued relative to earnings
- Forward P/E (9.3×) is lower than trailing P/E (14.6×) — analysts expect earnings to improve
- Revenue grew 34% year-over-year — exceptional top-line expansion
- Earnings grew 186% YoY — bottom-line is expanding fast
- Exceptional profit margin of 24.6% — the business retains a large share of each dollar earned
- High beta of 1.90 — this stock is significantly more volatile than the broader market
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
0.31%
5Y Avg Annual
$0.1080
Last Payment
$0.0300
Ex-Date
06/02/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest06/02/2026 | 06/15/2026 | $0.0300 | 0.31% |
03/05/2026 | 03/18/2026 | $0.0300 | 0.31% |
12/02/2025 | 12/15/2025 | $0.0300 | 0.31% |
09/02/2025 | 09/15/2025 | $0.0300 | 0.31% |
06/03/2025 | 06/16/2025 | $0.0300 | 0.31% |
02/25/2025 | 03/10/2025 | $0.0300 | 0.31% |
12/02/2024 | 12/15/2024 | $0.0300 | 0.31% |
09/03/2024 | 09/16/2024 | $0.0300 | 0.31% |
Magic Number
Shares needed to self-fund your next purchase
$38.38
Price
$0.0300
Last div. (quarterly)
1,280
shares
Own 1,280 LOB shares ($49,126.40) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$49,126.40
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 22, 2026
36
days
EPS (TTM)
$2.62
P/E (TTM)
14.6
Fwd P/E
9.3
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $38.38
Graham Number
√(22.5 × EPS × Book Value)
$38.81
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$2.00
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
11Y hist.11+ years of dividend history
Dividend consistency (5Y+)
11 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
10.9%Return on equity — measures how efficiently capital is used
Positive profit margin
24.6%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+33.5%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+185.7%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$9M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
0.31%Stock must distribute income to shareholders
Related Assets
Financial Services
About LOB
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.
Sector
Financial Services
Industry
Banks - Regional
Location
Wilmington, United States
Employees
1,027