The stock of Live Oak Bancshares Inc (NYSE: LOB) has increased by 1.34 when compared to last closing price of 23.90. Despite this, the company has experienced a 1.98% gain in its stock price over the last five trading sessions. seekingalpha.com reported 2025-04-16 that Live Oak Bancshares, Inc. shows resilience amid macroeconomic uncertainties with stable topline performance, strategic expansion, and prudent asset management, making it a buy. Despite potential risks like trade wars and inflation, LOB’s well-diversified loan portfolio and solid capital adequacy position it well for market volatility. LOB’s current valuation is attractive, trading at a lower P/E ratio than its five-year average, indicating significant upside potential.
Is It Worth Investing in Live Oak Bancshares Inc (NYSE: LOB) Right Now?
Live Oak Bancshares Inc (NYSE: LOB) has a higher price-to-earnings ratio of 14.29x compared to its average ratio. LOB has 36-month beta value of 1.85. Analysts have mixed views on the stock, with 0 analysts rating it as a “buy,” 0 as “overweight,” 3 as “hold,” and 0 as “sell.”
The public float for LOB is 34.89M, and currently, short sellers hold a 3.77% ratio of that float. The average trading volume of LOB on April 18, 2025 was 332.88K shares.
LOB’s Market Performance
The stock of Live Oak Bancshares Inc (LOB) has seen a 1.98% increase in the past week, with a -12.06% drop in the past month, and a -39.37% fall in the past quarter. The volatility ratio for the week is 3.43%, and the volatility levels for the past 30 days are at 5.14% for LOB. The simple moving average for the past 20 days is -4.94% for LOB’s stock, with a -38.19% simple moving average for the past 200 days.
Analysts’ Opinion of LOB
Many brokerage firms have already submitted their reports for LOB stocks, with JP Morgan repeating the rating for LOB by listing it as a “Overweight.” The predicted price for LOB in the upcoming period, according to JP Morgan is $40 based on the research report published on October 05, 2023 of the previous year 2023.
JP Morgan, on the other hand, stated in their research note that they expect to see LOB reach a price target of $26.50, previously predicting the price at $25. The rating they have provided for LOB stocks is “Neutral” according to the report published on April 28th, 2023.
LOB Trading at -16.40% from the 50-Day Moving Average
After a stumble in the market that brought LOB to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -52.11% of loss for the given period.
Volatility was left at 5.14%, however, over the last 30 days, the volatility rate increased by 3.43%, as shares sank -11.61% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -31.13% lower at present.
During the last 5 trading sessions, LOB rose by +1.98%, which changed the moving average for the period of 200-days by -29.12% in comparison to the 20-day moving average, which settled at $25.48. In addition, Live Oak Bancshares Inc saw -38.76% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at LOB starting from SUTHERLAND JOHN W., who sale 12,588 shares at the price of $49.00 back on Nov 13 ’24. After this action, SUTHERLAND JOHN W. now owns 14,015 shares of Live Oak Bancshares Inc, valued at $616,837 using the latest closing price.
SUTHERLAND JOHN W., the Officer of Live Oak Bancshares Inc, proposed sale 12,588 shares at $49.00 during a trade that took place back on Nov 13 ’24, which means that SUTHERLAND JOHN W. is holding shares at $616,837 based on the most recent closing price.
Stock Fundamentals for LOB
Current profitability levels for the company are sitting at:
- 0.09 for the present operating margin
- 1.05 for the gross margin
The net margin for Live Oak Bancshares Inc stands at 0.14. The total capital return value is set at 0.0. Equity return is now at value 8.15, with 0.64 for asset returns.
Based on Live Oak Bancshares Inc (LOB), the company’s capital structure generated 0.1 points at debt to capital in total, while cash flow to debt ratio is standing at 4.76. The debt to equity ratio resting at 0.11. The interest coverage ratio of the stock is 0.08.
When we switch over and look at the enterprise to sales, we see a ratio of 1.53. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.15.
Conclusion
To put it simply, Live Oak Bancshares Inc (LOB) has had a bad performance in recent times. Analysts have a mixed opinion on the stock, with some rating it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
