Stocktoria
Live Oak Bancshares, Inc. LOB
Live Oak Bancshares, Inc. (LOB) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.29% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| LOB | Live Oak Bancshares, Inc. | 4/9 | — | 18.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is LOB financially healthy?
Live Oak Bancshares, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does LOB pay a dividend, and is it safe?
Yes. Live Oak Bancshares, Inc. pays a dividend yielding about 0.29% with a 5.2% payout ratio, rated “safe” for safety.
How profitable is LOB?
In FY2025, Live Oak Bancshares, Inc. had a return on equity of 8.4%.
Is LOB overvalued or undervalued?
Live Oak Bancshares, Inc. trades at about 19.2× trailing earnings — near its 10-year norm (10-year range 8.7×–52.4×, median 21.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for LOB?
The average Wall-Street price target for Live Oak Bancshares, Inc. is $42.75, about 0.0% above the recent price, from 4 analysts (consensus: buy).
Is LOB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Live Oak Bancshares, Inc.: a Piotroski F-score of 4/9, a P/E of about 18.1×, a dividend yield of 0.29%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.