Live Oak Bancshares, Inc. (LOB) — Stock Score Summary

Live Oak Bancshares, Inc. (LOB) has a MoatMap StockRank of 48/100 based on Quality (41/100), Value (28/100), and Momentum (66/100) factor scores. The current signal is HOLD. Live Oak Bancshares is an innovative SBA lender, but it is highly sensitive to US economic health and interest rate volatility, lacking a structural thematic tailwind.

Live Oak Bancshares, Inc. operates as a digital-first bank specializing in small business lending across niche industries nationwide. The bank leverages technology to provide efficient, tailored financial services, distinguishing itself from traditional commercial lenders. Its focus on specific verticals, combined with a scalable technology platform, creates a competitive advantage in serving underserved small business markets.

Key Financial Metrics

Price$38.63
Market Cap$1.7B
P/E (TTM)14.34
P/E (Forward)9.10
Price/Book1.47
Return on Equity10.9%
Gross Margin0.0%
Operating Margin35.5%
Revenue Growth33.5%
Dividend Yield0.3%

Live Oak Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Live Oak Bancshares, Inc.’s (LOB) StockRank?
MoatMap’s StockRank for Live Oak Bancshares, Inc. (LOB) is 48/100, with a Hold signal. It is a composite of Quality (41), Value (28), and Momentum (66) factor ranks across MoatMap’s 19,000+ stock universe.
Does Live Oak Bancshares, Inc. have an economic moat?
Live Oak Bancshares, Inc. (LOB) has a Quality factor score of 41/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Live Oak Bancshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for Live Oak Bancshares, Inc. (LOB) is Hold, based on a StockRank of 48/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Live Oak Bancshares, Inc. in?
Live Oak Bancshares, Inc. (LOB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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