Live Oak Bancshares, Inc. (LOB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$39.61+0.13%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · LOB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.4% |
| Our one-year growth estimate | diamond | -17.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 16.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
LOB — dividend update
Dated 2026-08-18
Other Events. On August 18, 2026, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on September 15, 2026 to shareholders of record as of September 1, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has…
Why it matters: Revenue growth trends can affect sector performance. A drop may signal broader issues.
Worry ifRevenue growth falls below the median of 15% in the next quarter.
Less concerning ifRevenue growth remains above the median of 15%.
Why it matters: Better cash flow means the company runs more efficiently. It also shows financial strength.
Supportive ifCash from operations exceeds $87 million in Q2.
Worry ifCash from operations falls below $50 million in Q2.
Why it matters: Slower asset growth may show weak demand or problems in operations.
Worry ifTotal assets growth reported above 4.8% in Q3.
Less concerning ifTotal assets growth reported below 1.1% in Q3.
Why it matters: High noninterest expenses can lower profits. They may also show waste.
Worry ifNoninterest expense is more than $84.5 million. This shows costs are rising.
Less concerning ifNoninterest expense is below $80 million. This suggests good cost control.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$109 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $289 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,382 loss on $10,000 · 23.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A stable or rising net interest margin shows good interest rate management. It helps profits.
Supportive ifQ3 net interest margin was over 3.33%.
Worry ifQ3 net interest margin was under 3.20%.
Why it matters: Keeping dividend payouts shows financial health. It also shows commitment to shareholders.
Supportive ifThe company declares a dividend payout similar to or greater than $0.03 per share.
Worry ifThe company cuts the dividend payout below $0.03 per share.
Why it matters: Faster deposit growth supports the bank's funding base. It reflects customer confidence and business health.
Supportive ifTotal deposits grow more than 5.1% compared to Q2.
Worry ifTotal deposits grow less than 3% compared to Q2.
Why it matters: Trends in operating income show how well the company is doing. They also show how well management is performing.
Watch forOperating income has grown over $40 million for two quarters in a row.
Also watch forOperating income has dropped below $36 million for two quarters in a row.
Why it matters: Strong loan production is key to growth. A rise would show continued demand and effective management.
Supportive ifQ3 loan production was over $1.55 billion.
Worry ifQ3 loan production was under $1.5 billion.
Why it matters: More provisions may mean credit quality problems. This can affect profits.
Worry ifQ3 provision for credit losses was over $25.8 million.
Less concerning ifQ3 provision for credit losses was under $20 million.