LOB
Live Oak Bancshares, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-13/100
Last price
36.49
▼ 0.05 (0.14%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
36.79
Prev close
36.54
Day high
36.99
Day low
36.45
Volume
119.67K
Market cap
$1.69B
P/E (TTM)
12.80
52W range
29.36 – 44.53
Day trading desk
Gap from prior close
+0.68%
Prior close 36.54
VWAP
36.54
-0.15% from price
Relative volume
0.87×
Normal
Session range
1.50%
36.44 – 36.99
Position in range
8%
Near session low
ATR (14D)
0.77
2.12% of price
Prior day high
37.07
PDH
Prior day low
36.13
PDL
Bid / ask spread
—
Quote not published
Session volume
187.48K
Avg 216.39K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.41%
-2.4%
1M
-7.88%
-9.0%
3M
-9.61%
-14.1%
6M
+7.23%
-11.0%
YTD
+6.23%
-8.0%
1Y
+5.13%
-11.3%
3Y
+26.04%
-56.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on LOB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-162.01K
Net selling
Buy transactions
14
151.04K shares
Sell transactions
23
313.05K shares
Net transactions
+37
Buys less sells
Sell : buy shares
2.1 : 1
Mixed
Insider-held shares
10.61M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 10, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 20.00K | $773.80K | Indirect |
| Sep 3, 26 | BRADFORD TONYA WILLIAMS Director |
SELL | 1.60K | $63.82K | Direct |
| Sep 3, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 10.00K | $397.47K | Indirect |
| Sep 3, 26 | WILLIAMS WILLIAM L III Director |
SELL | 6.59K | $264.22K | Indirect |
| Sep 2, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 10.00K | $395.41K | Indirect |
| Sep 2, 26 | WILLIAMS WILLIAM L III Director |
SELL | 1.81K | $72.40K | Indirect |
| Aug 27, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 20.00K | $796.47K | Indirect |
| Aug 25, 26 | LOSCH WILLIAM C. III President |
— | 50.00K | — | Direct |
| Aug 20, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 20.00K | $817.60K | Indirect |
| Aug 19, 26 | CAIRNS MICHAEL J. Officer |
— | 2.42K | — | Direct |
| Aug 18, 26 | PHIFER WALTER J. Chief Financial Officer |
— | 2.92K | — | Direct |
| Aug 13, 26 | MAHAN JAMES S III Chief Executive Officer |
SELL | 20.00K | $858.45K | Indirect |
| Aug 10, 26 | DERRAIK RENATO Chief Technology Officer |
— | 25.00K | — | Direct |
| Aug 10, 26 | LOSCH WILLIAM C. III President |
— | 42.00K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CAMERON WILLIAM HENDERSON |
Director | 224.86K | Conversion of Exercise of derivative security |
DAVIS MICAH S |
Officer | 48.12K | Conversion of Exercise of derivative security |
GLOSSMAN DIANE BETH |
Director | 72.98K | Conversion of Exercise of derivative security |
HOFFSIS GLEN F |
Director | 134.57K | Conversion of Exercise of derivative security |
LOSCH WILLIAM C. III |
President | 263.39K | Conversion of Exercise of derivative security |
MAHAN JAMES S III |
Chief Executive Officer | — | Sale |
MANN STEPHANIE |
Officer | 42.20K | Conversion of Exercise of derivative security |
PETTY MILTOM EMMETT |
Director | 130.84K | Conversion of Exercise of derivative security |
SEWARD GREGORY W |
General Counsel | 113.80K | Sale |
WILLIAMS WILLIAM L III |
Director | — | Sale |
Fundamentals
Market cap$1.69B
Enterprise value$961.10M
Revenue (TTM)$526.38M
Gross profit$526.38M
EBITDA—
Net income$132.32M
EPS (TTM)$2.85
Free cash flow—
Total cash$927.88M
Total debt$99.77M
Book value / share$26.29
Shares outstanding46.28M
Float36.08M
Short % of float7.14%
Dividend yield0.33%
Beta (5Y)1.94
Valuation & profitability ratios
Trailing P/E12.80
Forward P/E8.64
PEG ratio—
Price / sales—
Price / book1.39
EV / revenue1.83
EV / EBITDA—
Gross margin0.00%
Operating margin38.83%
Profit margin26.51%
Return on equity11.68%
Return on assets0.93%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $541.23M | $481.69M | $425.85M | $391.86M | +12.4% |
| Operating revenue | $541.23M | $481.69M | $425.85M | $391.86M | +12.4% |
| Selling, general & admin | $216.33M | $196.69M | $198.32M | $191.12M | +10.0% |
| Pre-tax income | $142.81M | $89.23M | $82.83M | $210.32M | +60.0% |
| Tax provision | $37.17M | $11.82M | $8.93M | $34.12M | +214.5% |
| Net income | $105.87M | $77.47M | $73.90M | $176.21M | +36.7% |
| Net income to common | $102.82M | $77.47M | $73.90M | $176.21M | +32.7% |
| Basic EPS | 2.25 | 1.72 | 1.67 | 4.02 | +30.8% |
| Diluted EPS | 2.23 | 1.69 | 1.64 | 3.92 | +32.0% |
| Basic shares | 45.70M | 45.01M | 44.35M | 43.86M | +1.5% |
| Diluted shares | 46.04M | 45.82M | 45.09M | 44.91M | +0.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $865.15M | $609.05M | $582.79M | $284.24M | — | +42.0% |
| Property, plant & equipment | $240.20M | $264.06M | $257.88M | $263.29M | — | -9.0% |
| Total assets | $15.13B | $12.94B | $11.27B | $9.86B | — | +16.9% |
| Current debt | — | — | $0 | $50.00M | $8.00M | — |
| Long-term debt | $102.40M | $112.82M | $23.35M | $33.20M | — | -9.2% |
| Total debt | $102.40M | $112.82M | $23.35M | $83.20M | — | -9.2% |
| Total liabilities | $13.88B | $11.94B | $10.37B | $9.04B | — | +16.3% |
| Retained earnings | $809.88M | $715.77M | $642.82M | $572.50M | — | +13.1% |
| Shareholder equity | $1.25B | $999.03M | $902.67M | $811.03M | — | +25.1% |
| Net tangible assets | $1.25B | $999.03M | $902.67M | $811.03M | — | +25.1% |
| Shares issued | 46.03M | 45.36M | 44.62M | 44.06M | — | +1.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $105.64M | $77.42M | $73.90M | $176.21M | — | +36.5% |
| Depreciation & amortisation | $30.40M | $23.28M | $21.27M | $20.78M | — | +30.6% |
| Stock-based compensation | $26.21M | $26.20M | $17.88M | $20.35M | — | +0.0% |
| Change in working capital | $43.58M | $5.73M | $39.53M | -$22.30M | — | +660.6% |
| Operating cash flow | $158.24M | $156.78M | $184.90M | -$300.74M | — | +0.9% |
| Capital expenditure | -$14.76M | -$49.31M | -$46.84M | -$43.75M | — | +70.1% |
| Investing cash flow | -$1.90B | -$1.70B | -$1.34B | -$1.02B | — | -12.0% |
| Share buybacks | — | — | $0 | $0 | -$953.00K | — |
| Dividends paid | -$8.54M | -$5.41M | -$5.33M | -$5.27M | — | -57.9% |
| Financing cash flow | $2.00B | $1.57B | $1.32B | $1.53B | — | +27.6% |
| Free cash flow | $143.49M | $107.47M | $138.06M | -$344.50M | — | +33.5% |
| End cash position | $864.90M | $608.80M | $582.54M | $416.64M | — | +42.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $151.18M | $140.37M | $133.00M | $142.46M | $137.93M | +7.7% |
| Operating revenue | $151.18M | $140.37M | $133.00M | $142.46M | $137.93M | +7.7% |
| Selling, general & admin | $56.30M | $56.81M | $45.70M | $58.30M | $53.97M | -0.9% |
| Pre-tax income | $45.82M | $40.08M | $61.91M | $36.57M | $31.20M | +14.3% |
| Tax provision | $9.12M | $10.13M | $15.79M | $10.11M | $7.82M | -10.0% |
| Net income | $36.80M | $30.04M | $46.21M | $26.52M | $23.43M | +22.5% |
| Net income to common | $34.70M | $30.04M | $44.12M | $25.56M | $23.43M | +15.5% |
| Basic EPS | 0.75 | 0.61 | 0.96 | 0.56 | 0.51 | +23.0% |
| Diluted EPS | 0.74 | 0.60 | 0.95 | 0.55 | 0.51 | +23.3% |
| Basic shares | 46.28M | 46.14M | 45.91M | 45.78M | 45.63M | +0.3% |
| Diluted shares | 46.28M | 46.51M | 46.30M | 46.22M | 45.80M | -0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $927.88M | $816.38M | $865.15M | $892.70M | $663.00M | +13.7% |
| Property, plant & equipment | $231.20M | $235.33M | $240.20M | $241.14M | $246.49M | -1.8% |
| Total assets | $16.04B | $15.30B | $15.13B | $14.67B | $13.83B | +4.8% |
| Long-term debt | $99.77M | $99.75M | $102.40M | $105.05M | $107.66M | +0.0% |
| Total debt | $99.77M | $99.75M | $102.40M | $105.05M | $107.66M | +0.0% |
| Total liabilities | $14.72B | $14.02B | $13.88B | $13.46B | $12.76B | +5.0% |
| Retained earnings | $869.76M | $836.44M | $809.88M | $770.82M | $746.45M | +4.0% |
| Shareholder equity | $1.31B | $1.28B | $1.25B | $1.20B | $1.06B | +2.8% |
| Net tangible assets | $1.31B | $1.28B | $1.25B | $1.20B | $1.06B | +2.8% |
| Shares issued | 46.28M | 46.24M | 46.03M | 45.86M | 45.69M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $36.70M | $29.95M | $46.12M | $26.47M | $23.39M | +22.6% |
| Depreciation & amortisation | $6.27M | $6.94M | $9.97M | $6.67M | $6.78M | -9.7% |
| Stock-based compensation | $7.39M | $6.88M | $6.70M | $5.90M | $6.95M | +7.4% |
| Change in working capital | -$18.49M | -$3.34M | $35.21M | $5.56M | $11.42M | -453.0% |
| Operating cash flow | $31.19M | $87.38M | $79.69M | $55.01M | $53.31M | -64.3% |
| Capital expenditure | -$2.81M | -$2.05M | -$9.30M | -$1.74M | -$1.43M | -37.2% |
| Investing cash flow | -$628.45M | -$273.40M | -$497.46M | -$612.01M | -$330.20M | -129.9% |
| Dividends paid | -$3.48M | -$3.48M | -$3.47M | -$2.33M | -$1.37M | -0.0% |
| Financing cash flow | $708.75M | $137.25M | $390.23M | $786.69M | $195.38M | +416.4% |
| Free cash flow | $28.38M | $85.34M | $70.39M | $53.27M | $51.89M | -66.7% |
| End cash position | $927.63M | $816.13M | $864.90M | $892.45M | $662.75M | +13.7% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
35.00
-4.1% from spot
ATM implied vol
12.5%
Nearest strike to spot
Skew (10% OTM)
-6.2%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
40.00
0 contracts
Heaviest put OI
35.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.68 | 0.74 | +9.3% |
| Mar 2026 | 0.58 | 0.63 | +9.9% |
| Dec 2025 | 0.56 | 0.47 | -16.3% |
| Sep 2025 | 0.60 | 0.59 | -2.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.79 | 5 | $165.93M | +13.6% |
| Next quarter | 0.92 | 5 | $171.66M | -0.7% |
| Current year | 3.09 | 5 | $645.50M | +11.7% |
| Next year | 4.24 | 5 | $741.54M | +14.9% |
Analyst targets & ownership
Mean target$45.50
High target$47.00
Low target$44.00
Implied upside24.69%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 1
Hold3
Sell / Strong sell0 / 0
Held by insiders22.93%
Held by institutions72.59%
Institutions holding332
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
36.75
-0.72% from price
SMA 20
37.70
-3.20% from price
SMA 50
40.01
-8.79% from price
SMA 100
39.74
-8.18% from price
SMA 200
38.19
-4.44% from price
EMA 12
37.03
-1.45% from price
EMA 26
38.01
-3.99% from price
EMA 50
38.93
-6.28% from price
RSI (14)
30.3
Neutral
MACD (12,26,9)
-0.98
Hist -0.01
ATR (14)
0.77
2.12% of price
Realised vol 30D
16.0%
Annualised
Bollinger upper
39.81
20, 2σ
Bollinger lower
35.59
20, 2σ
50 / 200 cross
Golden
40.01 vs 38.19
Trend bias
Below 200
-4.44%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.91
Less volatile than market
Correlation to SPY
0.36
Loosely linked
Realised vol 30D
16.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-23.9%
Peak to trough
Max drawdown 5Y
-79.5%
Peak to trough
ATR 14
0.77
2.12% of price
Beta (reported)
1.94
5Y monthly, from filing
Short interest
Shares short
2.11M
Prior 1.91M
Change vs prior
+10.2%
Shorts adding
% of float
7.14%
Normal
% of shares out
4.55%
Against total outstanding
Days to cover
10.7
Crowded exit
Float
36.08M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 5, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Aug 19, 26 | Cantor Fitzgerald | MAINTAINED | Neutral | Neutral |
| Jul 27, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Jul 24, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 15, 26 | Cantor Fitzgerald | MAINTAINED | Neutral | Neutral |
| Apr 27, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Apr 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 24, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Feb 3, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Oct 24, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Sep 10, 25 | Cantor Fitzgerald | INITIATED | — | Neutral |
| Aug 19, 25 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
Dividends & splits
Forward rate$0.12 / yr
Forward yield0.33%
5-year avg yield0.31%
Payout ratio4.21%
Ex-dividend dateSep 1, 2026
Next pay dateSep 15, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-28
Corporate Changes & Voting Matters
8-K · 2026-08-18
Periodic Financial Reports
10-Q · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-07-02
Corporate Changes & Voting Matters
8-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-05-22
Offering Registrations
S-8 · 2026-05-19
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PRIVATE STRATEGY · BY QUALIFICATION
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