Live Oak Bancshares, Inc.(LOB)Stock Analysis
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Rank #952 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
LOB Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for Live Oak Bancshares, Inc. (LOB), 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. Live Oak Bancshares, Inc.'s 13F Pro composite quality score has ranged between 32 and 59 since 2026, currently 59.1 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q2 2026
$156.1M
Net Income
Q2 2026
$36.8M
Free Cash Flow
Q2 2026
$28.4M
ROIC
Q2 2026
13.0%
D/E Ratio
Q2 2026
0.08
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+18.3% YoYNet Income
+36.7% YoYEPS (Diluted)
+32.0% YoYTotal Assets
+16.9% YoYTotal Debt
-9.2% YoYOp. Cash Flow
+8.6% YoYFree Cash Flow
+48.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $577.8M +18.3% | $488.6M +6.9% | $457.0M -19.2% | $565.5M +23.7% | $457.0M +62.8% | $280.7M |
| Net Income | $105.9M +36.7% | $77.5M +4.8% | $73.9M -58.1% | $176.2M +5.5% | $167.0M +180.5% | $59.5M |
| EPS (Diluted) | $2.23 +32.0% | $1.69 +3.0% | $1.64 -58.2% | $3.92 +5.7% | $3.71 +159.4% | $1.43 |
| Total Assets | $15.13B +16.9% | $12.94B +14.8% | $11.27B +14.4% | $9.86B +20.0% | $8.21B +4.3% | $7.87B |
| Total Debt | $102.4M -9.2% | $112.8M +383.1% | $23.4M -71.9% | $83.2M -73.9% | $318.3M -79.4% | $1.54B |
| Operating Cash Flow | $158.2M +8.6% | $145.7M -17.8% | $177.2M +158.9% | $-300.7M -151.2% | $-119.7M +54.1% | $-261.0M |
| Free Cash Flow | $143.5M +48.9% | $96.3M -26.1% | $130.3M +137.8% | $-344.5M -180.5% | $-122.8M +56.5% | $-282.0M |
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13F Pro tracks comprehensive data for Live Oak Bancshares, Inc. including:
Top Institutional Holders of LOB
T. Rowe Price Investment Management, Inc.
$264.3M6,471,452 shBlackRock, Inc.
$143.6M3,515,856 shVANGUARD CAPITAL MANAGEMENT LLC
$67.6M1,654,730 shDIMENSIONAL FUND ADVISORS LP
$66.0M1,615,529 shSTATE STREET CORP
$55.9M1,367,619 shBARROW HANLEY MEWHINNEY & STRAUSS LLC
$55.5M1,360,091 shGILDER GAGNON HOWE & CO LLC
$45.9M1,123,910 shVANGUARD PORTFOLIO MANAGEMENT LLC
$40.7M996,870 shSOUTHERNSUN ASSET MANAGEMENT, LLC
$38.2M934,751 shGEODE CAPITAL MANAGEMENT, LLC
$37.3M912,543 sh
| Fund | Value | Shares |
|---|---|---|
| T. Rowe Price Investment Management, Inc. | $264.3M | 6,471,452 |
| BlackRock, Inc. | $143.6M | 3,515,856 |
| VANGUARD CAPITAL MANAGEMENT LLC | $67.6M | 1,654,730 |
| DIMENSIONAL FUND ADVISORS LP | $66.0M | 1,615,529 |
| STATE STREET CORP | $55.9M | 1,367,619 |
| BARROW HANLEY MEWHINNEY & STRAUSS LLC | $55.5M | 1,360,091 |
| GILDER GAGNON HOWE & CO LLC | $45.9M | 1,123,910 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $40.7M | 996,870 |
| SOUTHERNSUN ASSET MANAGEMENT, LLC | $38.2M | 934,751 |
| GEODE CAPITAL MANAGEMENT, LLC | $37.3M | 912,543 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is LOB a good stock to buy?
13F Pro's AI-powered analysis of Live Oak Bancshares, Inc. (LOB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for LOB are available on the LOB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. LOB is classified as a small company.
Which hedge funds own LOB?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling LOB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Live Oak Bancshares, Inc.'s investment landscape.