Lumida
/LOB
⌘K
Live Oak Bancshares Inc

Live Oak Bancshares Inc

LOB
$39.25USD+0.23%+0.09 today

MARKET CAP

1.8B

P/E (TTM)

13.8x

FWD P/E

11.1x

DAY RANGE

$39 – $40

52W RANGE

$29
$45

AI Summary

Stalk
StalkMedium

LOB is approaching critical 200-day SMA support after a downtrend and bearish exhaustion at the lows. Short-term EMAs have rolled over and RSI is extreme oversold, but no clear reversal acceptance has emerged. We will stalk for stabilization around the 200-day SMA (~37.85) or a reclaim of the 20-day EMA before initiating, to ensure a higher-probability entry.

  • EPS jumped 45% YoY to $0.74 in Q2 2026 on cost control.
  • Loan originations hit $6.2B in 2025, up 17% YoY.
  • Non-accrual loans rose, highlighting credit risk if defaults worsen.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$521.4M$682.5M$792.3M$925.0M$1.0B
YoY %+34.0%+30.9%+16.1%+16.8%+12.2%
P / Sales7.5x2.0x2.6x2.0x1.5x
EV / Sales21.6x14.8x14.9x14.2x14.1x
Gross Profit, Adj.$457.0M$565.5M$449.3M$488.6M$577.8M
YoY %+54.7%+23.7%-20.5%+8.7%+18.3%
Margin %87.6%82.9%56.7%52.8%55.7%
EV / Gross Profit24.6x17.9x26.3x26.9x25.3x
EBITDA, Adj.$210.8M$210.3M$97.5M$89.8M$143.6M
YoY %+239.5%-0.2%-53.7%-7.9%+59.9%
Margin %40.4%30.8%12.3%9.7%13.8%
EV / EBITDA53.3x48.1x121.1x146.4x101.7x
EBIT$210.8M$210.3M$82.8M$89.2M$142.8M
YoY %+239.5%-0.2%-60.6%+7.7%+60.0%
Margin %40.4%30.8%10.5%9.6%13.8%
EV / EBIT53.3x48.1x142.6x147.3x102.2x
Net Income$167.0M$176.2M$73.9M$77.5M$102.8M
YoY %+180.5%+5.5%-58.1%+4.8%+32.7%
Net Margin32.0%25.8%9.3%8.4%9.9%
EPS (GAAP)$3.71$3.92$1.64$1.69$2.23
YoY %+159.4%+5.7%-58.2%+3.0%+32.0%