Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LOB
HoldPremium GrowerLive Oak Bancshares, Inc. · Financial Services · United States · $1.9B · Avg Vol: $8M/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 391.9M | 425.9M | 481.7M | 541.2M | 11.4% | 526.4M | 599.4M | 690.6M | 13.0% |
| EPS | 4.02 | 1.67 | 1.72 | 2.25 | -17.6% | 2.86 | 3.79 | — | 68.4% |
| Shares | 44.1M | 44.6M | 45.4M | 46.0M | +4.5% | 46.3M | — | — | — |
| Debt | 83.2M | 23.4M | 112.8M | 102.4M | 7.2% | 99.8M | — | — | — |
| Equity | 811.0M | 902.7M | 999.0M | 1.2B | 15.5% | — | — | — | — |
| Op CF | -300.7M | 184.9M | 156.8M | 158.2M | -7.5% | 253.3M | — | — | — |
| Inv CF | -1.0B | -1.3B | -1.7B | -1.9B | — | — | — | — | — |
| Fin CF | 1.5B | 1.3B | 1.6B | 2.0B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LOB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| LOB | Live Oak Bancshares, Inc.(you) | $1.9B | 55 | Hold |
| BFC | Bank First Corporation | $1.7B | 52 | Hold |
| TCBK | TriCo Bancshares | $1.7B | 58 | Hold |
| LKFN | Lakeland Financial Corporation | $1.5B | 55 | Hold |
| HOPE | Hope Bancorp, Inc. | $1.8B | 59 | Hold |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 56 | Hold |
| EFSC | Enterprise Financial Services Corp | $2.3B | 52 | Hold |
| FRME | First Merchants Corporation | $2.6B | 54 | Hold |
| SYBT | Stock Yards Bancorp, Inc. | $2.5B | 53 | Hold |
| RBCAA | Republic Bancorp, Inc. | $1.9B | 62 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%