Live Oak Bancshares, Inc. (LOB) Stock Score, Valuation & Financial Research
Live Oak Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for LOB
Live Oak Bancshares, Inc. currently has a Wall Street Score of 53/100. The stored market price is $39.25. Its financial score is 65/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Live Oak Bancshares, Inc. does
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling
LOB financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $39.25
- Market capitalization:
- $1.82B
- Revenue:
- $807.8M
- Net income:
- $100.7M
- Free cash flow:
- $143.5M
- Cash:
- $865.2M
- Total debt:
- $102.4M
- EPS:
- 2.24
- P/E ratio:
- 17.5x
- Financial score:
- 65/100
- Valuation score:
- 93/100
- Revenue score:
- 27/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $143.5M, showing positive cash generation.
- The balance sheet shows $865.2M of cash versus $102.4M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 65/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research LOB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.