Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
LOB
HOLDLive Oak Bancshares, Inc. · Financial Services · United States · $1.9B · Avg Vol: $13M/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% | 512.2M | 596.9M | 697.5M | 13.5% |
| EPS | 4.02 | 1.67 | 1.72 | 2.25 | -17.6% | 2.62 | 3.65 | — | 62.1% |
| Shares | 44.1M | 44.6M | 45.4M | 46.0M | +4.5% | 46.3M | — | — | — |
| Debt | 83.2M | 23.4M | 112.8M | 102.4M | 7.2% | 99.7M | — | — | — |
| Equity | 811.0M | 902.7M | 999.0M | 1.2B | 15.5% | — | — | — | — |
| Op CF | -300.7M | 184.9M | 156.8M | 158.2M | -7.5% | 275.4M | — | — | — |
| 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 | 56 | HOLD |
| CNOB | ConnectOne Bancorp, Inc. | $1.6B | 56 | HOLD |
| MBIN | Merchants Bancorp | $2.2B | 59 | HOLD |
| BFC | Bank First Corporation | $1.7B | 54 | HOLD |
| HOPE | Hope Bancorp, Inc. | $1.7B | 52 | HOLD |
| LKFN | Lakeland Financial Corporation | $1.5B | 54 | HOLD |
| HAPN | Happen, Inc. | $2.1B | 50 | HOLD |
| NBHC | National Bank Holdings Corporation | $1.9B | 47 | HOLD |
| LC | LendingClub Corporation | $2.2B | 50 | HOLD |
| WAFD | WaFd, Inc. | $2.7B | 60 | HOLD |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%