80wk Uptrend — rising+above (sma 34.38 vs px 39.99)
200wk Uptrend — rising+above (sma 34.91 vs px 39.99)
Funds Accumulating — momZ +1.25 · 2.47→2.72
Short Squeeze Setup — velZ +8.40 · age 103w×0.45 · 5.52%
Seasonal Tailwind — september med 1.8% (mag 1/3) · posClose 63.64% (rel 2/3) · n11 ×1 = 6.3
Founder-Led — founder/CEO led
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occup… Read full Trend Edge analysis →
Sector: Financial Services
Industry: Banks-Regional
Exchange: NYSE
IPO Date: July 23, 2015
Headquarters: 1741 Tiburon Drive, Wilmington, NC, United States, 28403
Founder-Led: Yes — James S. (Chip) Mahan III (Chairman and Chief Executive Officer), Lee Williams III (Vice Chairman of the Board of Directors)
Key Metrics
Current Price
$39.99
Market Cap
$1.89B
Float
36.0M
Shares Outstanding
46.3M
P/E (Forward)
10.19
P/E (TTM)
14.24
Price/Sales (TTM)
3.58
vs. Analyst Target
+15.7% to analyst PT
Profit Margin
26.51%
Operating Margin (TTM)
38.83%
Revenue (TTM)
$526M
Earnings Growth (YoY)
45.10%
Dividend Rate
0.1%
Analyst Target Price
$46.25 (3 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2020
$378M
$59.5M
$244M
$69.1M
2021
$506M
$167M
$427M
$232M
2022
$509M
$176M
$351M
$231M
2023
$777M
$73.9M
$382M
$104M
2024
$929M
$77.5M
$397M
$113M
2025
$1.04B
$104M
$503M
$185M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Jun 2025
$257M
$23.4M
Sep 2025
$258M
$26.5M
Dec 2025
$289M
$44.1M
Mar 2026
$260M
$30.0M
Ownership & Float
Insider Ownership
22.9%
Institutional Ownership
72.6%
Short Float
5.3%
% of All Funds Holding
2.72%
Number of Funds Holding
239
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$41.83
Near-term / short-term trend
Weekly
40-Week SMA
$37.77
Medium-term trend
Weekly
80-Week SMA
$34.38
Cyclical trend (business cycle)
Weekly
200-Week SMA
$34.91
Secular trend (multi-year)
Monthly
10-Month SMA
$37.48
Near-term monthly trend
Monthly
20-Month SMA
$34.44
Medium-term monthly trend
Monthly
40-Month SMA
$35.64
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Price Level
Type
Volume Ratio
Age
$31.10
support
1.05x
11 months ago
Historical Earnings Reactions (45 events)
Timeframe
Avg Return
Median
Win Rate
Best
Worst
Gap
0.39%
0.52%
57.78%
6.95%
-9.61%
1 Day
0.09%
0.56%
53.33%
16.09%
-14.02%
1 Week
1.50%
1.06%
55.56%
36.40%
-14.94%
2 Weeks
2.36%
2.11%
53.33%
30.67%
-19.27%
1 Month
3.58%
2.80%
54.55%
41.39%
-20.83%
Next earnings: October 21, 2026 (55 days away)
Seasonality & Day-of-Week Patterns
Monthly Seasonality
Month
Avg Return
Win Rate
Samples
Jan
-3.6%
45.5%
11
Feb
4.0%
54.5%
11
Mar
-5.5%
36.4%
11
Apr
1.1%
54.5%
11
May
-1.0%
54.5%
11
Jun
2.6%
63.6%
11
Jul
10.7%
81.8%
11
Aug
2.0%
45.5%
11
Sep
-0.8%
63.6%
11
Oct
1.7%
54.5%
11
Nov
7.0%
81.8%
11
Dec
0.6%
45.5%
11
Day-of-Week Tendencies
Day
Avg Return
Win Rate
Samples
Monday
0.09%
49.0%
522
Tuesday
-0.03%
48.4%
574
Wednesday
0.06%
46.8%
571
Thursday
0.03%
49.9%
561
Friday
0.20%
49.7%
559
Top Institutional Holders
Institutional holder breakdown coming soon.
Total institutional ownership: 72.6%
Insider Transactions — Smart Summary
Total insider ownership: 22.9%
Founder-led management: James S. (Chip) Mahan III (Chairman and Chief Executive Officer), Lee Williams III (Vice Chairman of the Board of Directors)
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