Price
No data yet.
Social Signal Score
Revenue
$272.47M+577.99%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- James S. Mahan
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 1,027
- Beta
- 1.88
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 0.33
Financials
Revenue
$272.47M+578.0%Net Income
$36.80M+957.6%EBITDA
$52.09M+630.5%Free Cash Flow
$28.38MEPS (diluted)
$0.74+640.0%Shares Outstanding (diluted)
46.59M+33.1%Operating Expenses
$54.80MCash & Debt
$927.63MReturn of Capital
$7.48MDividend per Share
$0.03Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.04B | $103.78M | $2.24 |
| 2024 | $929.29M | $77.47M | $1.72 |
| 2023 | $776.55M | $73.90M | $1.67 |
| 2022 | $508.83M | $176.21M | $4.02 |
| 2021 | $506.41M | $167.00M | $3.87 |
| 2020 | $378.31M | $59.54M | $1.46 |
| 2019 | $289.51M | $18.03M | $0.45 |
| 2018 | $253.33M | $51.45M | $1.28 |
| 2017 | $203.25M | $100.50M | $2.75 |
| 2016 | $144.79M | $13.77M | $0.40 |
| 2015 | $112.95M | $20.63M | $0.66 |
| 2014 | $81.18M | $10.05M | $0.35 |
| 2013 | $60.58M | $28.06M | $0.98 |
| 2012 | $54.16M | $16.09M | $0.41 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from LOB's reported EPS growth of 14.0% a year over 13 years.
- EPS in 5 years
- $4.35
- Implied price
- $65.29
- Return from $40.55
- 10.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $32.46 — -20.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 11 | 13 | 15 | 17 | 19 |
|---|---|---|---|---|---|
| 4.0% | -5.7% | -2.5% | 0.3% | 2.9% | 5.2% |
| 9.0% | -1.2% | 2.2% | 5.2% | 7.8% | 10.3% |
| 14.0% | 3.4% | 6.9% | 10.0% | 12.8% | 15.3% |
| 19.0% | 7.9% | 11.6% | 14.8% | 17.7% | 20.4% |
| 24.0% | 12.4% | 16.3% | 19.6% | 22.7% | 25.4% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100Social Signal Score
Mentions (1)
- Newszacks.com·5h ago·Neutral
Live Oak Bancshares (LOB) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now Live Oak Bancshares (LOB) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term.
View source ↗
Earnings
Wed, Oct 28(in 2 months)
Consensus estimate $0.82 per share
Typical surprise -1.9% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 22$0.74 vs $0.68beat
- Wed, Apr 22$0.60 vs $0.54beat
- Wed, Jan 21$0.95 vs $0.56beat
- Wed, Oct 22$0.55 vs $0.58miss
- Wed, Jul 23$0.51 vs $0.52miss
- Wed, Apr 23$0.21 vs $0.38miss
Estimates and results for LOB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by LOB officers and directors.
- Bought
- —
- Sold
- $12.6m
0 trades
42 trades
- Mahan James S Iiisolddirector, 10 percent owner, officer: Chief Executive Officer·10,000 @ $40.53·$405k·Aug 20, 2026·filing
- Mahan James S Iiisolddirector, 10 percent owner, officer: Chief Executive Officer·8,002 @ $41.05·$328k·Aug 19, 2026·filing
- Mahan James S Iiisolddirector, 10 percent owner, officer: Chief Executive Officer·1,998 @ $41.97·$84k·Aug 19, 2026·filing
- Mahan James S Iiisolddirector, 10 percent owner, officer: Chief Executive Officer·10,000 @ $43.10·$431k·Aug 13, 2026·filing
- Mahan James S Iiisolddirector, 10 percent owner, officer: Chief Executive Officer·10,000 @ $42.75·$427k·Aug 12, 2026·filing
- Spencer Courtneysold
- Lucht David Gsold
- Williams William L. Iiisold
58 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.