Live Oak Bancshares, Inc. (LOB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$35.15+2.12%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -14.2% |
| Our one-year growth estimate | diamond | -20.0% |
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 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 5.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
LOB — debt issuance
Dated 2026-11-05
Entry into a Material Definitive Agreement. On November 4, 2026, Live Oak Bancshares, Inc. (the “Company”) entered into an Underwriting Agreement (the “Underwriting Agreement”) with Morgan Stanley & Co. LLC, Keefe, Bruyette & Woods, Inc., RBC Capital Markets, LLC and UBS Securities LLC, as representatives for the several underwriters named in the Underwriting Agreement (collectively, the “Underwriters”), pursuant to which the Company agreed to sell, and each Underwriter has severally and not…
Why it matters: Q3 revenue rose 23.4% from a year earlier, while expenses rose 2.6%. If that gap narrows, the bank may make less from its growth.
Watch forIn Q4, revenue grows more year over year than noninterest expense. Pre-provision net revenue also grows.
Also watch forIn Q4, noninterest expense grows as fast as or faster than revenue. Or, pre-provision net revenue falls from a year earlier.
Why it matters: Q3 production reached $2.1 billion, up 29.4% from a year earlier. Keeping that pace would support the bank's growth focus.
Supportive ifQ4 loan and lease production is above $2.0 billion and deposits grow from $15.47 billion.
Worry ifQ4 loan and lease production falls below $1.55 billion, or deposits fall from $15.47 billion.
Why it matters: Q3 provision more than doubled from Q2. Another high charge would show that credit costs remain a drag on earnings.
Worry ifQ4 credit loss provision is $54.7 million or more, or the bank reports more reserves for large distillery loans.
Less concerning ifQ4 provision falls below $25.8 million, with no new large distillery loan reserve.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $260 loss on $10,000 · 2.6% | 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.