LOB
Live Oak Bancshares, Inc.Financial Services · $1.7B market cap
Verdict
Share price
$36.68
close of Oct 3, 2026
Fair value
$67.93
Sticker Price
Payback Price
$27.17
buy price
LOB is Undervalued: at $36.68 it trades 46% below its fair value of $67.93. Its buy price (Payback Price) is $27.17, 26% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
3 of 5 clear the 10% bar. What are the Big Five?
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Create a free accountInsider activity
Since Jun 24, 2026: no open-market purchases, 23 sales worth $6.0M and 11 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
MAHAN JAMES S III
Chief Executive Officer · 2026-09-10
Sold
$387K
MAHAN JAMES S III
Chief Executive Officer · 2026-09-09
Sold
$386K
Bradford Tonya Williams
director · 2026-09-03
Sold
$64K
MAHAN JAMES S III
Chief Executive Officer · 2026-09-03
Sold
$397K
WILLIAMS WILLIAM L. III
director · 2026-09-03
Sold
$264K
Show all 23 salesShow fewer
MAHAN JAMES S III
Chief Executive Officer · 2026-09-02
Sold
$10K
MAHAN JAMES S III
Chief Executive Officer · 2026-09-02
Sold
$385K
WILLIAMS WILLIAM L. III
director · 2026-09-02
Sold
$72K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-27
Sold
$397K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-26
Sold
$400K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-20
Sold
$405K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-19
Sold
$84K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-19
Sold
$328K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-13
Sold
$431K
MAHAN JAMES S III
Chief Executive Officer · 2026-08-12
Sold
$427K
LUCHT DAVID G
director · 2026-08-04
Sold
$89K
Spencer Courtney
Chief Experience Officer · 2026-08-04
Sold
$7K
WILLIAMS WILLIAM L. III
director · 2026-08-03
Sold
$362K
Moroz Mark Michael
Chief Banking Officer · 2026-07-28
Sold
$257K
LUCHT DAVID G
director · 2026-07-27
Sold
$126K
WILLIAMS WILLIAM L. III
director · 2026-07-01
Sold
$242K
WILLIAMS WILLIAM L. III
director · 2026-07-01
Sold
$107K
WILLIAMS WILLIAM L. III
director · 2026-06-24
Sold
$336K
Other filings
Losch William C III
President · 2026-08-25
Tax withholding
$889K
Losch William C III
President · 2026-08-25
Option exercise
50,000 shares
Cairns Michael
Chief Credit Officer · 2026-08-19
Tax withholding
$44K
Cairns Michael
Chief Credit Officer · 2026-08-19
Option exercise
2,420 shares
Phifer Walter J
Chief Financial Officer · 2026-08-18
Tax withholding
$55K
Show all 11 other filingsShow fewer
Phifer Walter J
Chief Financial Officer · 2026-08-18
Option exercise
2,916 shares
Diffley Matthew S
Chief Accounting Officer · 2026-08-17
Award
4,620 shares
Derraik Renato
Chief Info./Digital Off., Bank · 2026-08-10
Tax withholding
$469K
Derraik Renato
Chief Info./Digital Off., Bank · 2026-08-10
Option exercise
25,000 shares
Losch William C III
President · 2026-08-10
Tax withholding
$788K
Losch William C III
President · 2026-08-10
Option exercise
42,000 shares
About Live Oak Bancshares, Inc.
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…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works