Live Oak Bancshares, Inc.(LOB)— Stock Profile, AI Score & Financials

Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .

Live Oak Bancshares, Inc. (LOB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores LOB at 59.1/100 on a 32-signal composite quality model, placing it at rank #952 of 2,962 stocks — the top half of the AI-ranked universe. LOB scores in the top quartile across free cash flow (90.1), profitability (83.0), earnings quality (81.2). Areas of concern include institutional flow (29.6) and balance sheet strength (39.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Live Oak Bancshares, Inc. reports quarterly revenue of $156.1M, net income of $36.8M, free cash flow of $28.4M. Top institutional holders of LOB by reported 13-F value include T. Rowe Price Investment Management, BlackRock, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. LOB trades on the NYSE exchange and files with the SEC under CIK 1462120. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate LOB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Live Oak Bancshares, Inc. directly from SEC EDGAR.

AI Quality Score

59.1/100

AI Rank

#952

Revenue

$156.1M

Net Income

$36.8M

Free Cash Flow

$28.4M

LOB key financials by period

Live Oak Bancshares, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
PeriodFormRevenueNet incomeOperating margin
FY 202510-K$577.8M$105.9M24.7%
FY 202410-K/A$488.6M$77.5M18.3%
FY 202310-K/A$457.0M$73.9M18.1%
FY 202210-K/A$565.5M$176.2M37.2%
FY 202110-K$457.0M$167.0M46.1%
FY 202010-K$280.7M$59.5M16.9%

Institutions holding LOB

Institutional investors reporting a position in Live Oak Bancshares, Inc. on SEC Form 13F.
InstitutionSharesValueReported
T. Rowe Price Investment Management6,471,452$264.3M2026-06-30
BlackRock3,515,856$143.6M2026-06-30
VANGUARD CAPITAL MANAGEMENT1,654,730$67.6M2026-06-30
DIMENSIONAL FUND ADVISORS1,615,529$66.0M2026-06-30
STATE STREET1,367,619$55.9M2026-06-30
BARROW HANLEY MEWHINNEY & STRAUSS1,360,091$55.5M2026-06-30
GILDER GAGNON HOWE1,123,910$45.9M2026-06-30
VANGUARD PORTFOLIO MANAGEMENT996,870$40.7M2026-06-30
SOUTHERNSUN ASSET MANAGEMENT934,751$38.2M2026-06-30
GEODE CAPITAL MANAGEMENT912,543$37.3M2026-06-30
LOB

Live Oak Bancshares, Inc.

LOB
NYSESmall CapFinancials

13F Pro Quality Score

59.1/100

Rank #952 of 2,962 stocksTOP 50%

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

68.4/100

Profitability

83.0/100

Balance Sheet

39.9/100

Earnings Quality

81.2/100

Free Cash Flow

90.1/100

Institutional Flow

29.6/100

Revenue Scale

40.8/100

Dilution Risk

94.7/100

Price Chart

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Key Metrics

Revenue

Q2 2026
EDGAR

$156.15M

Net Income

Q2 2026
EDGAR

$36.80M

EPS (Diluted)

Q2 2026
EDGAR

$0.74

ROIC

Q2 2026
EDGAR

13.0%

Free Cash Flow

Q2 2026
EDGAR

$28.38M

Debt/Equity

Q2 2026
EDGAR

0.08

Financial Trends

Revenue & Net Income

Earnings Per Share

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