Insider buying last 90 days
No open-market insider purchases were filed for LOB in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every LOB insider filing, plotted on the chart in Gekko.Open LOB in Gekko
NYSE: LOB
Live Oak Bancshares (LOB) Stock Analysis & Forecast
Oct 12 close
$34.80+0.32 (+0.9%)
Gekko Brief
AI summaryOct 12 closeThis week brings little company-specific news beyond scheduling and ratings. Live Oak Bancshares confirmed it will release third-quarter 2026 results after markets close on 21 October, with a call the following morning, while Piper Sandler maintained its Neutral rating on the stock. A separate piece compared Live Oak Bancshares with First Busey across earnings, profitability and valuation, without new figures of its own.
LOB closed at $34.80, up 0.9%, sitting between its 50-day average of $39.35 and 200-day average of $38.15, with returns of -11.3% over one month, -16.2% over three months, and -3% over the past year. The GekkoIndex reads 72.1, placing the stock in the Buying zone, up 3 points over five days. Shares trade 14.7% below the Gekko Fair Value of $40.81.
The next earnings date falls on 21 October, eight days away and within a typical 20-trading-day holding window; the last report on 22 July showed EPS of $0.74 against an estimate of $0.64, with an average absolute reaction of 6.6% across prior quarters. No insider, Congress or unusual options activity appears in the current windows. Seasonality over the past five years shows this stretch of the calendar averaging a 9% gain over the next 20 trading days, rising in 3 of those years. Analyst consensus among 5 firms stands at 3 buy and 2 hold ratings, with a consensus target of $42.75.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Live Oak Bancshares price vs fair value
Close $34.80200-day averageGekko Fair Value $40.81
Live Oak Bancshares quick facts
- Market cap
- $1.61B
- P/E ratio
- 12.1
- Forward P/E
- 10.2
- EPS, TTM
- $2.85
- Revenue, TTM
- $526.4M
- Profit margin
- 26.5%
- Dividend yield
- 0.35%
- Beta
- 1.94
- Volume
- 151,640 avg 230,808
- 1-year return
- −3.0%
- Typical daily move
- ±2.7%
- Typical 20-day move
- ±9.8%
- 50-day average
- $39.35
- 200-day average
- $38.15
- Next earnings
- Oct 21
- Shares outstanding
- 46.28M
Live Oak Bancshares swing-trade checklist
Live Oak Bancshares scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $34.80 sits between the 50-day ($39.35) and 200-day ($38.15) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
72.1, Buying
Reading 72.1 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
14.7% below
Price is 14.7% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 9 days
Reports on Oct 21, 2026, 9 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+9.0% on average
From this point in the calendar, the next 20 trading days averaged +9% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Live Oak Bancshares stock chart and price history
Live Oak Bancshares closed at $34.80 on Oct 12, 2026, −3.0% over the past year, inside a 52-week range of $29.36 to $44.53.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −11.3%
- 3 months
- −16.2%
- 6 months
- −4.1%
- 1 year
- −3.0%
The full LOB chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open LOB in Gekko
Follow Live Oak Bancshares through every session
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About Live Oak Bancshares
Live Oak Bancshares operates as a commercial bank serving individuals, small businesses, and professionals across North Carolina and the wider United States. Through its subsidiary, Live Oak Banking Company, it offers everyday banking products such as checking, savings, money market, and time deposit accounts, alongside a range of lending options that include commercial and industrial loans, construction and development financing, commercial real estate loans for both owner-occupied and investment properties, and loans secured by commercial land.
Beyond standard deposit and loan services, the company handles settlement, accounting, and securitization work tied to government-backed loans. It also runs a wealth and investment management arm aimed at affluent clients and provides investment advisory services to funds that direct venture capital toward financial technology startups. Staff and visiting clients also have access to an on-site restaurant at its facilities.
Live Oak Bancshares was founded in 2008 and is headquartered in Wilmington, North Carolina. Its shares are listed on the NYSE under the ticker LOB.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- liveoak.bank
Live Oak Bancshares GekkoIndex: the smart money zone
Live Oak Bancshares’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 72.1, in the Buying zone, up 3 points over five sessions.
72.1Buying
Up 3 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 67 | +1.3% | +1.8% | ||
| Accumulation | 194 | −0.8% | −1.6% | ||
| Neutral | 374 | +0.4% | +1.6% | ||
| Distribution | 43 | −0.7% | −1.3% | ||
| Selling | 4 | Too few readings yet | |||
Average LOB share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.1% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the LOB price, zone by zone.Track LOB in Gekko
Is Live Oak Bancshares stock overvalued? Gekko Fair Value
Live Oak Bancshares trades 14.7% below Gekko Fair Value of $40.81, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Live Oak Bancshares shares are worth, recalculated every trading day.
$40.81
Gekko Fair Value, Oct 10, 2026
14.7% Undervalued
At the end of Aug 2026 the price was 11.8% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open LOB in Gekko
Live Oak Bancshares insider and Congress trading
No open-market insider purchases were filed for Live Oak Bancshares, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in LOB were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for LOB, plotted on the chart in Gekko.Open LOB in Gekko
Buybacks
Live Oak Bancshares has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $3.99M
- As a share of market cap
- 0.25%
From company filings.
Live Oak Bancshares earnings: next date and track record
Live Oak Bancshares reports on Oct 21, 2026 (9 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 21, 2026
9 days away
- EPS estimate
- $0.69
- Revenue estimate
- $168.1M
3 of 8reports beat the EPS estimate
±6.6%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 22, 2026 AI summary
- What they said
- Live Oak Bancshares reported Q2 EPS of $0.74 with adjusted EPS of $0.77, up 20% year-over-year. Adjusted PPNR grew 23% YoY while core revenue grew 11% versus 3% expense growth, improving efficiency ratio from 61% to 53%. Loan originations hit $1.5B across 33 industries. Live Oak Express posted record $82M in originations (up 63% YoY) and business checking balances reached $744M, contributing $25M in annualized pretax earnings improvement.
- Guidance
- Management targets Live Oak Express at $750M+ in annual originations at cruise altitude. Business checking aims for a minimum 10% DDA-to-deposit mix versus current 5%, representing significant upside on a $14.5B deposit base growing 10-15% annually.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 22, 2026 | $0.74 est $0.64 | $156.1M est $155.1M | +2.4% |
| Apr 22, 2026 | $0.63 est $0.58 | $145.5M est $151.2M | +3.0% |
| Jan 21, 2026 | $0.95 est $0.56 | $172.9M est $150.4M | +11.0% |
| Oct 22, 2025 | $0.55 est $0.58 | $142.5M est $151.3M | −3.6% |
| Jul 23, 2025 | $0.51 est $0.52 | $142.0M est $147.9M | +1.6% |
| Apr 23, 2025 | $0.21 est $0.38 | $123.8M est $131.7M | +5.8% |
| Jan 22, 2025 | $0.27 est $0.53 | — | −15.1% |
| Oct 23, 2024 | $0.28 est $0.55 | $126.3M est $127.8M | −10.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Live Oak Bancshares stock forecast and analyst price targets
Analysts’ average 12-month price target for Live Oak Bancshares is $42.75, +22.8% from the last close, from 5 firms rating the stock in the last 90 days.
$42.75consensus 12-month target, +22.8% from the last close
Now $34.80Avg $42.75
Low $38High $70
Each firm’s latest rating in the last 90 days: 5 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 7 | Piper Sandler | $38 | +9.2% |
| Oct 5 | TD Cowen | $44 | +26.4% |
| Aug 19 | Cantor Fitzgerald | $45 | +29.3% |
| Jul 27 | TD Cowen | $49 | +40.8% |
| Jul 24 | KBW | $47 | +35.1% |
+1.8%average 20-day move after past Buying readings
+9.0%average move over the next 20 trading days in the last 5 years
±2.7%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Live Oak Bancshares seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Live Oak Bancshares averaged +9.0% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.2% | 4 of 5 |
| Next 10 trading days | −2.7% | 1 of 5 |
| Next 15 trading days | +1.9% | 1 of 5 |
| Next 20 trading days | +9.0% | 3 of 5 |
| Next 30 trading days | +7.8% | 2 of 5 |
For scale, LOB’s typical 20-trading-day move in either direction is about 9.8%.
Live Oak Bancshares market cap and key statistics
Live Oak Bancshares’s market cap is $1.61B, with a P/E ratio of 12.1 and revenue of $526.4M over the last twelve months.
Valuation
- Market cap
- $1.61B
- P/E ratio
- 12.1
- Forward P/E
- 10.2
- EPS, TTM
- $2.85
- Gekko Fair Value
- $40.81
Trading
- Volume
- 151,640
- Avg volume, 20 days
- 230,808
- 52-week high
- $44.53
- 52-week low
- $29.36
- Shares outstanding
- 46.28M
Financials
- Revenue, TTM
- $526.4M
- Profit margin
- 26.5%
- Return on equity
- 11.7%
- Quarterly earnings growth, YoY
- +45.1%
Risk and income
- Beta
- 1.94
- Typical daily move
- ±2.7%
- Typical 20-day move
- ±9.8%
- Dividend yield
- 0.35%
Live Oak Bancshares stock news this week
Coverage of Live Oak Bancshares this week reads neutral: 0 positive, 3 neutral and 0 negative headlines.
- Reviewing First Busey (NASDAQ:BUSE) & Live Oak Bancshares (NYSE:LOB)Defense World, Oct 11
- Live Oak Bancshares, Inc. (LOB) Stock Price, News, Quote & HistoryYahoo! Finance Canada, Oct 8
- Live Oak Bancshares, Inc. Announces Date of Third Quarter 2026 Financial ResultsThe Manila Times, Oct 7
- Live Oak Bancshares Is Maintained at Neutral by Piper SandlerMoomoo, Oct 7
Live Oak Bancshares peers
Live Oak Bancshares’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Live Oak Bancshares stock FAQ
What is Live Oak Bancshares’s market cap?
Live Oak Bancshares’s market cap is $1.61B at the Oct 12, 2026 close of $34.80, with 46.28M shares outstanding. The shares trade on a P/E ratio of 12.1.
What is the Live Oak Bancshares stock forecast?
The consensus analyst 12-month price target for Live Oak Bancshares is $42.75, +22.8% from the last close. Of the 5 firms that rated the stock in the last 90 days, 3 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Live Oak Bancshares stock overvalued or undervalued?
On Gekko’s estimate Live Oak Bancshares is undervalued: the Oct 12, 2026 close of $34.80 is 14.7% below Gekko Fair Value of $40.81. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Live Oak Bancshares report earnings next?
Live Oak Bancshares is expected to report on Oct 21, 2026 (9 days away). Analysts expect earnings of $0.69 per share on revenue of $168.1M. Live Oak Bancshares beat the earnings estimate in 3 of its last 8 reports, moving 6.6% on average across the report.
What is Live Oak Bancshares’s 52-week high and low?
Live Oak Bancshares’s 52-week high is $44.53 and its 52-week low is $29.36; it closed at $34.80 on Oct 12, 2026, −3.0% over the past year. Over the last five years the shares peaked at $99.89 on Nov 5, 2021.
Is Live Oak Bancshares stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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