Live Oak Bancshares, Inc.(LOB)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
LOB Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Live Oak Bancshares, Inc. (LOB), a Financials sector company. LOB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Live Oak Bancshares, Inc. reports quarterly revenue of $145.5M, net income of $30.0M, free cash flow of $85.3M. Top institutional holders of LOB by reported 13-F value include BlackRock,, BARROW HANLEY MEWHINNEY & STRAUSS, DIMENSIONAL FUND ADVISORS, 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.
Revenue
Q1 2026
$145.5M
Net Income
Q1 2026
$30.0M
Free Cash Flow
Q1 2026
$85.3M
D/E Ratio
Q1 2026
0.08
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+0.0% YoYNet Income
-36.6% YoYEPS (Diluted)
-39.9% YoYTotal Assets
+84.3% YoYTotal Debt
-67.8% YoYOp. Cash Flow
+232.2% YoY| Metric | FY 2025 | FY 2021 | FY 2020 | FY 2019 | FY 2017 | FY 2014 |
|---|---|---|---|---|---|---|
| Revenue | $9.5M +0.0% | $9.5M +0.0% | $9.5M +1.1% | $9.4M +394.7% | $1.9M | — |
| Net Income | $105.9M -36.6% | $167.0M +180.5% | $59.5M +230.2% | $18.0M -82.1% | $100.5M +900.2% | $10.0M |
| EPS (Diluted) | $2.23 -39.9% | $3.71 +159.4% | $1.43 +225.0% | $0.44 -83.4% | $2.65 +6363.4% | $0.04 |
| Total Assets | $15.13B +84.3% | $8.21B +4.3% | $7.87B +63.6% | $4.81B +74.5% | $2.76B +309.7% | $673.3M |
| Total Debt | $102.4M -67.8% | $318.3M -79.4% | $1.54B +11014850.0% | $14.0K -99.9% | $26.6M -44.6% | $47.9M |
| Operating Cash Flow | $158.2M +232.2% | $-119.7M +54.1% | $-261.0M +45.9% | $-482.5M -67.8% | $-287.5M -10.0% | $-261.5M |
AI Insight: LOB Financial Trends
Net income recovered to $30M in Q1 2026 after falling to $10M in Q4 2024 and Q1 2025, while debt declined consistently.
• Net income rebounded from $10M in Q1 2025 to $30M in Q1 2026, with strong Q4 2025 at $46M.
• Total debt decreased steadily from $118M in Q2 2024 to $100M in Q1 2026.
• Equity grew from $961M in Q2 2024 to $1,278M in Q1 2026, up 33%.
• Operating cash flow turned negative $33M in Q1 2025 before recovering to $87M in Q1 2026.
⚠ Net income volatility remains elevated with quarterly swings between $10M and $46M over past eight quarters.
⚠ Operating cash flow sustainability after the sharp Q1 2025 negative swing to $33M outflow.
AI Insight: LOB Ratio Trends
Live Oak Bancshares showed strong profitability recovery through Q4 2025 but gave back gains in Q1 2026.
• ROE surged from 3.8% in Q1 2025 to 14.8% in Q4 2025 before moderating to 9.4% in Q1 2026.
• ROIC followed similar trajectory, climbing from 4.6% in Q1 2025 to 18.3% in Q4 2025.
• Debt-to-equity ratio steadily declined from 0.12 in Q2 2024 to 0.08 in Q1 2026.
⚠ ROE and ROIC both declined sharply in Q1 2026 after reaching multi-quarter highs in Q4 2025.
⚠ TTM ROE of 9.9% suggests underlying performance remains below Q4 2025 peak levels.
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Available Research
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Top Institutional Holders of LOB
BlackRock, Inc.
$113.5M3,432,899 shBARROW HANLEY MEWHINNEY & STRAUSS LLC
$53.6M1,621,903 shDIMENSIONAL FUND ADVISORS LP
$52.7M1,593,185 shVANGUARD CAPITAL MANAGEMENT LLC
$50.7M1,532,771 shSTATE STREET CORP
$47.5M1,437,315 shGILDER GAGNON HOWE & CO LLC
$39.5M1,193,114 shSOUTHERNSUN ASSET MANAGEMENT, LLC
$34.2M1,033,539 shVANGUARD PORTFOLIO MANAGEMENT LLC
$30.0M908,146 shGEODE CAPITAL MANAGEMENT, LLC
$28.2M853,958 shLOOMIS SAYLES & CO L P
$24.1M728,129 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $113.5M | 3,432,899 |
| BARROW HANLEY MEWHINNEY & STRAUSS LLC | $53.6M | 1,621,903 |
| DIMENSIONAL FUND ADVISORS LP | $52.7M | 1,593,185 |
| VANGUARD CAPITAL MANAGEMENT LLC | $50.7M | 1,532,771 |
| STATE STREET CORP | $47.5M | 1,437,315 |
| GILDER GAGNON HOWE & CO LLC | $39.5M | 1,193,114 |
| SOUTHERNSUN ASSET MANAGEMENT, LLC | $34.2M | 1,033,539 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $30.0M | 908,146 |
| GEODE CAPITAL MANAGEMENT, LLC | $28.2M | 853,958 |
| LOOMIS SAYLES & CO L P | $24.1M | 728,129 |
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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.
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.