LOB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $36.68
P/E 15.4
EPS $2.23
ROE 9.4%
52W Range $29–$45

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About Live Oak Bancshares, Inc. Common Stock Company overview from Wikipedia

05 · wikidata

Live Oak Bank, a subsidiary of Live Oak Bancshares, Inc., is an American bank. Headquartered in Wilmington, North Carolina, it serves small business owners in all 50 states and was the leading SBA 7(a) lender by dollar volume in 2022.

History

Founded in 2008 by James S. (Chip) Mahan III, Live Oak initially focused on lending to niche industries such as veterinarians and dentists. Today, the bank lends to more than 35 specialized industries in all 50 states and has more than a dozen general lenders in markets across the country that directly serve small business owners. The bank specializes in SBA and USDA loans and offers business and personal deposit products on its branchless, digital platform.

In 2017, Live Oak Bank established an office in Washington, D.C. to handle the company’s loans in the fields of renewable energy and government contracting. Live Oak also announced a joint venture with the payment technology company First Data in October 2017, which became the joint company Apiture. In December 2017, Live Oak announced the opening of a lending segment in the automobile industry.

Scott Custer served as the company’s president from April 2017 to September 2018, when he resigned from his position to work on a community bank startup.

In 2018, Live Oak Bank signed its first partnership with cloud-based core banking software company Finxact. By 2020, Live Oak was using the Finxact platform for its loan origination processes. By 2021, the company had switched its retail and commercial deposit accounts to Finxact.

Live Oak entered the venture banking industry in 2019. Huntley Garriott was appointed president of Live Oak Bank in September 2019 after he left his position as a partner at Goldman Sachs & Co.

Live Oak Bank established a satellite office at the N.C. State University Centennial Campus in Raleigh, North Carolina in 2020. The new office was established to house Live Oak Labs, the company’s technology unit.

In 2021, Live Oak Bank became the official sponsor for the Live Oak Band Pavilion, an amphitheater and live concert venue in Wilmington, North Carolina previously known as the Riverfront Park Amphitheater. In the same year, Live Oak announced plans to build a small business center named Channel in downtown Wilmington. Live Oak hired Kevin Doyle as its VP of small business lending in 2021. On June 7, 2021, former Ally Financial chief digital officer Renato Derraik also joined Live Oak as its chief information and digital officer. Former First Horizon Bank CFO William "B.J." Losch also joined Live Oak as its CFO.

Live Oak Bank established offices in Dallas in 2022. In 2022, Live Oak Bank also launched Tidal Small Business Checking, its first small business checking product. In December 2022, Live Oak Bank transferred stock from Nasdaq and began trading on the NYSE under its current ticker symbol, LOB.

Live Oak Ventures, the investing arm of Live Oak Bancshares, has made investments in various companies that align with its investment thesis including Pharmacy Marketplace, Finxact, Asset Class, Uplinq and more.

As of 2023, Live Oak Bank was the fourth-largest state chartered bank in North Carolina and had approved more SBA-sponsored loans than any other bank within the previous six years. In 2023, the company also received a new four-story office in Wilmington constructed by contractors Swinerton and Monteith.

In August 2023, “BJ” Losch, the company’s chief financial officer became the president replacing Huntley Garriott.

Live Oak currently operates as a branchless bank, only doing business with clients online. In addition to its main headquarters in Wilmington and its offices in Dallas, Raleigh, Charlotte, and California.

Live Oak timeline

2008 - Live Oak Bank founded

2011 – nCino created by Live Oak’s founders

2012 - $1.2 billion originated

2013 – Live Oak Ventures formed

2014 – nCino spun out to shareholders

2014-17 – Live Oak was awarded “Best Bank to Work For” by American Banker

2015 – Live Oak Bank files for its initial public offering (Nasdaq: LOB).

2015 – Launch of Digital Bank

2017-2020 – Named the number one SBA 7(a) lender in the country

2017 – Apiture was founded in a joint venture with First Data and is part of Live Oak’s fintech ecosystem.

2018 – Business model shifts to holding loans

2019 – Live Oak is named the highest dollar volume USDA lender in the country

2019 - $10.95 billion originated

2020 – Canapi Venture launches $545 million fintech investment fund

2020 – Live Oak Bank goes live on Finxact core

Subsidiaries

nCino

Live Oak spun its banking software division out into a separate entity named nCino in 2012. nCino develops software such as nCino IQ, an artificial intelligence and machine learning platform that automates and improves functions in the company’s bank operating system.

Apiture

Apiture is an open API banking platform founded in 2017 as a joint venture between First Data Corporation and Live Oak Bank with offices in Wilmington, North Carolina, and Austin, Texas.

Live Oak Private Wealth

Live Oak Private Wealth, an SEC‐registered investment advisory firm, launched in 2018 under Live Oak Bancshares and is based in Wilmington, N.C. Live Oak Private Wealth offers a full spectrum of financial services including investment and wealth advisory services, wealth analytics and solutions, portfolio development, business, estate, retirement and financial planning, technical insights and cash management. Live Oak Private Wealth acquired Jolly Asset Management in 2020.

Canapi Ventures

Canapi Ventures (previously known as Live Oak Ventures) is a venture capital firm investing in early to growth‐stage fintech companies. It launched its $650 million fintech fund in 2020 to support innovation in financial services. Canapi Ventures is advised by Canapi Advisors, LLC, a wholly owned subsidiary of Live Oak Bancshares, Inc. and CenterHarbor Advisors, an indirect subsidiary of CenterHarbor Holding Company, owned and controlled by Gene Ludwig, former Comptroller of the Currency and the Co‐Founder of Promontory Interfinancial Network. Ludwig and Chip Mahan, Live Oak Bancshares Chairman and CEO, are co-managing partners. The team includes several other financial services and venture capital veterans including Live Oak Bancshares President Neil Underwood, and partners Walker Forehand, Dan Beldy and Jeff Reitman, as well as Senior Advisors Jeffrey Goldstein and Jim Hale. Canapi has offices in Wilmington, N.C., Washington, D.C. and New York City.

Legal issues

A class-action lawsuit was filed in March 2021 alleging that Live Oak Bank, nCino, and Apiture conspired to avoid hiring each other's employees. Previously, Live Oak Bank disclosed receiving a letter in December 2020 from a law firm representing an individual alleging violations of antitrust laws. In March 2022, Live Oak Bank reached a $4.65 million settlement agreement along with Apiture, to be distributed among approximately 1,911 employees who have worked at the three companies since 2017.

== References ==

Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗

Wikidata ↗

sectorFinancials industryBanking employees1,027 countryUS

10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$2.23
2022-12-31 → 2025-12-31
Free Cash Flow$143M
2022-12-31 → 2025-12-31
Net margin18.3%
2022-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend LOB 5Y avg Peer Median Verdict
P/E 15.45Y avg ≈22.2 ≈22.2 14.0 Fair value
PEG Ratio ≈1.7 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Payout Ratio5.2%
Annualized Payout≈$0.12Paid quarterly
5Y Div CAGR≈0.00%Per share, split-adjusted
Ex-dateAmountCurrencyYield
Sep 1, 2026$0.03USD≈0.31%
Jun 2, 2026$0.03USD≈0.32%
Mar 5, 2026$0.03USD≈0.34%
Dec 2, 2025$0.03USD≈0.37%
Sep 2, 2025$0.03USD≈0.32%
Jun 3, 2025$0.03USD≈0.43%
Feb 25, 2025$0.03USD≈0.37%
Dec 2, 2024$0.03USD≈0.25%
Sep 3, 2024$0.03USD≈0.28%
Jun 4, 2024$0.03USD≈0.37%
Feb 26, 2024$0.03USD≈0.31%
Nov 27, 2023$0.03USD≈0.37%
Sep 1, 2023$0.03USD≈0.37%
Jun 6, 2023$0.03USD≈0.48%
Feb 27, 2023$0.03USD≈0.34%
Nov 28, 2022$0.03USD≈0.38%
Sep 2, 2022$0.03USD≈0.35%
May 27, 2022$0.03USD≈0.30%
Feb 28, 2022$0.03USD≈0.19%
Nov 26, 2021$0.03USD≈0.13%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -3.5%
Next Report Oct 20, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 21, 2026 $0.74 $0.64 16.5%
March 31, 2026 $0.60 $0.51 17.4%
Dec. 31, 2025 $0.95 $0.96 -1.3%
Sept. 30, 2025 $0.55 $0.60 -8.9%
June 30, 2025 $0.51 $0.54 -4.7%
March 31, 2025 $0.21 $0.35 -39.6%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 9
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense ··$343M$117M$64M$94M$88M$55M$25M$15M$9M$6M
Interest Income $908M$812M$688M$444M$361M$288M$228M$163M$103M$57M$34M$21M
Pretax Income $143M$89M$83M$210M$211M$47M$23M$46M$98M$17M$34M$17M
Income Tax $37M$12M$9M$34M$44M$-12M$5M$-5M$-2M$3M$14M$7M
Net Income $106M$77M$74M$176M$167M$60M$18M$51M$100M$14M$21M$10M
EPS (Basic) $2.25$1.72$1.67$4.02$3.87$1.46$0.45$1.28$2.75$0.40$0.66$0.42
EPS (Diluted) $2.23$1.69$1.64$3.92$3.71$1.43$0.44$1.24$2.65$0.39$0.65$0.41
Shares (Basic) 45,701,36445,009,56744,353,70843,862,29143,169,93540,677,49640,222,75840,056,23036,592,89334,202,16831,079,03223,973,398
Shares (Diluted) 46,042,79045,820,32145,094,87944,906,31045,071,30441,771,25041,053,51441,446,75037,859,53535,086,95931,973,14624,424,181
Balance Sheet 14
Metric Trend 202520242023202220212020201920182017201620152014
PP&E (Net) $240M$264M$258M$263M$240M$259M$279M$263M$179M$65M$63M$35M
PP&E (Gross) $374M$382M$355M$360M$318M$316M$325M$290M$195M$74M$67M$38M
Accum. Depreciation $134M$118M$97M$97M$77M$56M$46M$27M$16M$9M$5M$3M
Goodwill ·$2M$2M$2M········
Intangibles ········$4M···
Total Assets $15.13B$12.94B$11.27B$9.86B$8.21B$7.87B$4.81B$3.67B$2.76B$1.76B$1.05B$673M
Short-term Debt ·······$1M$0$0$0$6M
Total Liabilities $13.88B$11.94B$10.37B$9.04B$7.50B$7.30B$4.28B$3.18B$2.32B$1.53B$853M$582M
Long-term Debt ·······$16.0K$27M$28M$28M$42M
Total Debt ·······$1M·$0$0·
Retained Earnings $810M$716M$643M$572M$401M$236M$180M$167M$120M$24M$12M$-7M
AOCI $-45M$-82M$-85M$-92M$2M$22M$12M$-2M$-1M$-652.0K$-192.0K$85.0K
Stockholders' Equity $1.25B$999M$903M$811M$715M$568M$532M$494M$437M$223M$199M$92M
Liabilities + Equity $15.13B$12.94B$11.27B$9.86B$8.21B$7.87B$4.81B$3.67B$2.76B$1.76B$1.05B$673M
Cash Flow 16
Metric Trend 202520242023202220212020201920182017201620152014
D&A $30M$23M$21M$21M$21M$22M$20M$16M$10M$4M$3M$2M
Deferred Tax $-12M$-11M$-22M$27M$25M$-17M$1M$-6M$12M$-4M$936.0K$4M
Operating Cash Flow $158M$157M$185M$-301M$-120M$-261M$-483M$6M$-288M$-222M$-335M$-262M
CapEx $15M$49M$47M$44M$3M$21M$37M$111M$124M$11M$30M$14M
Investing Cash Flow $-1.90B$-1.70B$-1.34B$-1.02B$-150M$-2.62B$-685M$-845M$-535M$-320M$60M$18M
Debt Issued ·······$18.0K$17M$0$13M$35M
Net Debt Issued ·······$-25M·$-532.0K$-13M·
Stock Issued ·······$0$113M$0$87M$75M
Stock Repurchased ··········$0$0
Net Stock Activity ·······$0·$0$87M·
Dividends Paid $5M$5M$5M$5M$5M$5M$5M$5M$4M$3M$3M$44M
Financing Cash Flow $2.00B$1.57B$1.32B$1.53B$155M$2.98B$1.07B$863M$880M$677M$348M$236M
Net Change in Cash $256M$26M$166M$213M$-115M$97M$-98M$24M$57M$135M$73M$-7M
Taxes Paid $27M$39M$5M$25M$20M$11M$-12M$2M$7M···
Free Cash Flow $143M$96M$573M$81M$-123M$-294M$-531M$-100M·$-233M$-365M·
Levered FCF ··$267M$-17M$-174M$-412M$-599M$-161M·$-245M$-370M·
Profitability 4
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 18.3%15.5%16.2%31.2%36.5%21.2%8.7%24.3%·10.1%18.8%·
Pretax Margin 24.7%17.9%18.1%37.2%46.1%16.9%11.3%21.7%·12.6%31.3%·
ROA 0.75%·0.67%1.8%2.0%0.75%0.42%1.6%·0.98%2.4%·
ROE 9.4%·8.4%21.9%23.8%10.3%3.4%10.6%·6.3%14.2%·
Liquidity & Solvency 1
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity ·······0.0·0.00.0·
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.0·0.00.10.10.00.00.1·0.10.1·
Per Share 4
Metric Trend 202520242023202220212020201920182017201620152014
Revenue / Share $12.55$10.91$10.13$12.59$10.14$6.72$5.07$5.11·$3.88$3.44·
Cash Flow / Share $3.44$3.18$13.75$2.77$-2.66$-6.54$-12.03$0.28·$-6.33$-10.47·
Dividend Paid / Share $0.12$0.12$0.12$0.12$0.12$0.12$0.12$0.12$0.10$0.07··
EPS (TTM) $2.23$1.69$1.64$3.92$3.71$1.43$0.44$1.24$2.65$0.39$0.65·
Growth Rates 10
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 18.3%8.7%-20.5%23.7%62.8%·······
Revenue CAGR 3Y 0.72%2.2%17.0%·········
Revenue CAGR 5Y 15.5%···········
EPS YoY 31.9%3.0%-58.2%5.7%159.4%·······
EPS CAGR 3Y -17.1%-23.1%4.7%·········
EPS CAGR 5Y 9.3%···········
Net Income YoY 36.6%4.8%-58.1%5.5%180.5%·······
Net Income CAGR 3Y -15.6%-22.6%7.5%·········
Net Income CAGR 5Y 12.2%···········
Dividends Paid CAGR 5Y 2.3%···········
Valuation (TTM) 6
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $578M$489M$449M$565M$457M$281M$204M$204M$251M$136M$110M·
Net Income TTM $106M$77M$74M$176M$167M$60M$18M$51M$100M$14M$21M·
P/E 15.423.427.77.723.533.243.211.99.047.421.8·
Earnings Yield 6.5%4.3%3.6%13.0%4.2%3.0%2.3%8.4%11.1%2.1%4.6%·
Payout Ratio 5.2%7.0%7.2%3.0%3.1%8.2%26.8%9.3%·19.9%13.2%·
Annual Payout $5M$5M$5M$5M$5M$5M$5M$5M$4M$3M$3M·

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312023-09-302023-06-30
Net Income $106M $77M $74M · ·
Diluted EPS $2.23 $1.69 $1.64 · ·

Institutional owners (13F) 251 filers · $1.2B total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 251
Value held $1.2B
New positions 33
Exited positions 21
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
33 (-1 vs prior Q) 21 (-4 vs prior Q) 87 (+5 vs prior Q) 63 (-9 vs prior Q) +165K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $143,587,571 3,515,856 12.24% Shares
VANGUARD GROUP INC $92,835,238 2,702,627 7.91% Shares
VANGUARD CAPITAL MANAGEMENT LLC $67,579,173 1,654,730 5.76% Shares
DIMENSIONAL FUND ADVISORS LP $65,979,656 1,615,529 5.62% Shares
STATE STREET CORP $55,875,998 1,367,619 4.76% Shares
BARROW HANLEY MEWHINNEY & STRAUSS LLC $55,546,117 1,360,091 4.74% Shares
GILDER GAGNON HOWE & CO LLC $45,900,484 1,123,910 3.91% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $40,712,171 996,870 3.47% Shares
SOUTHERNSUN ASSET MANAGEMENT, LLC $38,175,231 934,751 3.25% Shares
GEODE CAPITAL MANAGEMENT, LLC $37,275,789 912,543 3.18% Shares
LOOMIS SAYLES & CO L P $27,444,235 671,994 2.34% Shares
AMERICAN CENTURY COMPANIES INC $27,262,993 667,556 2.32% Shares
ROYCE & ASSOCIATES LP $26,386,356 646,091 2.25% Shares
ALGERT GLOBAL LLC $23,939,019 586,166 2.04% Shares
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC $23,247,476 569,233 1.98% Shares
FULLER & THALER ASSET MANAGEMENT, INC. $22,651,589 554,642 1.93% Shares
TWO SIGMA INVESTMENTS, LP $17,163,500 420,262 1.46% Shares
NORTHERN TRUST CORP $13,100,777 320,783 1.12% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $12,222,187 299,270 1.04% Shares
RAYMOND JAMES FINANCIAL INC $11,737,009 287,390 1.00% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $11,563,152 283,133 0.99% Shares
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC $11,036,561 270,239 0.94% Shares
VANGUARD FIDUCIARY TRUST CO $10,179,329 249,249 0.87% Shares
ENVESTNET ASSET MANAGEMENT INC $9,684,259 237,127 0.83% Shares
BANK OF AMERICA CORP /DE/ $9,394,017 230,020 0.80% Shares
WHITTIER TRUST CO $9,379,251 224,384 0.80% Shares
D. E. Shaw & Co., Inc. $8,900,547 217,937 0.76% Shares
GOLDMAN SACHS GROUP INC $8,308,694 203,445 0.71% Shares
MORGAN STANLEY $7,701,305 188,571 0.66% Shares
Diamond Hill Capital Management, LLC (Investment Advisor) $7,322,367 179,294 0.62% Shares
Trust Co of the South $6,840,700 167,500 0.58% Shares
UBS Group AG $6,612,159 161,904 0.56% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $6,304,798 154,378 0.54% Shares
RICE HALL JAMES & ASSOCIATES, LLC $5,724,257 140,163 0.49% Shares
AQR CAPITAL MANAGEMENT LLC $5,674,941 138,955 0.48% Shares
STATE OF WISCONSIN INVESTMENT BOARD $5,673,452 138,919 0.48% Shares
Russell Investments Group, Ltd. $5,618,888 137,581 0.48% Shares
Trexquant Investment LP $5,211,388 127,605 0.44% Shares
WHITTIER TRUST CO OF NEVADA INC $4,809,890 117,000 0.41% Shares
Apollon Wealth Management, LLC $4,797,329 117,466 0.41% Shares
Bank of New York Mellon Corp $4,506,074 110,334 0.38% Shares
CITADEL ADVISORS LLC $4,086,900 100,071 0.35% Shares
WELLS FARGO & COMPANY/MN $3,912,024 95,789 0.33% Shares
TWO SIGMA ADVISERS, LP $3,902,160 113,600 0.33% Shares
DEUTSCHE BANK AG\ $3,898,955 95,469 0.33% Shares
Lighthouse Investment Partners, LLC $3,657,467 89,556 0.31% Shares
Empowered Funds, LLC $3,642,643 89,193 0.31% Shares
FMR LLC $3,486,882 85,379 0.30% Shares
AMERIPRISE FINANCIAL INC $3,482,630 85,275 0.30% Shares
CAPTRUST FINANCIAL ADVISORS $3,447,217 84,408 0.29% Shares

Show all 251 institutional owners →

Company insiders 37 insiders · 22 officers · 15 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
James S Mahan III Chief Executive Officer Sept. 10, 2026 S 2,747,844 0 57 $-15,068,561
Walter J Phifer Chief Financial Officer Aug. 18, 2026 M 11,723 0 1 $-172,365
Brett S. Caines Chief Financial Officer April 6, 2021 M 322,406 0 0 $0
William C Losch III President Aug. 25, 2026 M 263,392 0 0 $0
Huntley Garriott President, Live Oak Bank Feb. 23, 2023 M 442,033 0 0 $0
Neil Lawrence Underwood President Dec. 3, 2021 G 50,000 0 0 $0
Scott Custer President, Live Oak Bank Aug. 7, 2017 A 80,000 0 0 $0
Gregory Bruce Thompson Chief Operating Officer Jan. 31, 2017 A · 0 0 $0
Michael Cairns Chief Credit Officer Aug. 19, 2026 M 11,528 0 0 $0
Matthew S Diffley Chief Accounting Officer Aug. 17, 2026 A · 0 0 $0
Renato Derraik Chief Info./Digital Off., Bank Aug. 10, 2026 M 18,132 0 1 $-2,837,250
Courtney Spencer Chief Experience Officer Aug. 4, 2026 S 0 0 2 $-385,124
Mark Michael Moroz Chief Banking Officer July 28, 2026 S 12,110 0 1 $-256,688
Gregory W Seward General Counsel March 2, 2026 S 113,797 0 2 $-146,340
John W. Sutherland Chief Accounting Officer Feb. 23, 2026 M 16,622 0 0 $0
Ewa Maria Stasiowska Chief Risk Officer Feb. 9, 2026 A 2,595 1 0 $99,985
Micah S Davis Chief Marketing & Comm Officer Feb. 24, 2025 M 48,115 0 0 $0
Stephanie Mann Chief Strategy Officer Feb. 24, 2025 M 42,195 0 0 $0
Steve Smits Chief Credit Officer Feb. 23, 2024 M 150,132 0 0 $0
Susan N Janson Chief Risk Off., Live Oak Bank Feb. 22, 2022 M 30,350 0 0 $0
Thomas A. Hill Chief Information Officer Nov. 19, 2018 A 7,824 0 0 $0
William J. Holt Chief Revenue Officer Aug. 14, 2015 J 70 0 0 $0
Tonya Williams Bradford Director Sept. 3, 2026 S 8,043 1 1 $-33,584
William L. Williams III Director Sept. 3, 2026 S 1,105,726 0 6 $-1,384,405
Patrick Timothy Mchenry Director May 19, 2026 A 3,080 0 0 $0
Miltom Emmett Petty Director May 19, 2026 A 130,839 0 0 $0
Yousef A. Valine Director May 19, 2026 A 10,401 0 0 $0
Jeffrey W Lunsford Director May 1, 2026 M 12,640 0 0 $0
Glen F. Hoffsis Director May 1, 2025 M 134,573 0 0 $0
Diane Beth Glossman Director May 1, 2025 M 72,983 0 0 $0
Casey S Crawford Director Aug. 22, 2023 F 1,881 0 0 $0
LANDIS H K Director Nov. 5, 2020 M 198,300 0 0 $0
David G Salyers Director May 12, 2020 A 4,100 0 0 $0
Jerald L Pullins Director May 14, 2019 M 248,590 0 0 $0
Don Jackson Director May 9, 2017 M 90,010 0 0 $0
David G Lucht · Aug. 4, 2026 S 13,623 0 2 $-215,110
William Henderson Cameron · May 19, 2026 A 19,850 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 44 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
ESSC · Strategy Shares 0.34% 2,826 NS July 31, 2026 N-PORT
DPST · Direxion Shares ETF Trust 0.21% 21,317 NS July 31, 2026 N-PORT
FYX · First Trust Exchange-Traded AlphaDE… 0.13% 42,719 NS July 31, 2026 N-PORT
FYT · First Trust Exchange-Traded AlphaDE… 0.13% 5,741 NS July 31, 2026 N-PORT
EBIT · Harbor ETF Trust 0.09% 256 NS July 31, 2026 N-PORT
VFVA · VANGUARD WELLINGTON FUND 0.07% 15,377 SH Aug. 19, 2026 Daily
BBSC · J.P. Morgan Exchange-Traded Fund Tr… 0.06% 9,453 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.06% 189,744 NS July 31, 2026 N-PORT
RSSL · Global X Funds 0.05% 17,474 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.05% 209,968 SH Aug. 19, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.05% 16,550 SH Aug. 19, 2026 Daily
PFF · iShares Trust 0.05% 249,522 SH Sept. 11, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.05% 35,106 SH Oct. 2, 2026 Daily
IWM · iShares Trust 0.05% 932,212 SH Sept. 11, 2026 Daily
IWO · iShares Trust 0.05% 165,729 SH Sept. 11, 2026 Daily
DFAS · Dimensional ETF Trust 0.04% 152,276 NS July 31, 2026 N-PORT
OMFS · Invesco Exchange-Traded Self-Indexe… 0.04% 2,983 SH Oct. 2, 2026 Daily
VTWG · VANGUARD SCOTTSDALE FUNDS 0.04% 18,840 SH Aug. 19, 2026 Daily
DXUV · Dimensional ETF Trust 0.03% 3,575 NS July 31, 2026 N-PORT
DFSV · Dimensional ETF Trust 0.03% 49,889 NS July 31, 2026 N-PORT
FAB · First Trust Exchange-Traded AlphaDE… 0.03% 993 NS July 31, 2026 N-PORT
ISCG · iShares Trust 0.02% 5,286 SH Sept. 11, 2026 Daily
VXF · VANGUARD INDEX FUNDS 0.02% 409,807 SH Aug. 19, 2026 Daily
VBK · VANGUARD INDEX FUNDS 0.02% 243,423 SH Aug. 19, 2026 Daily
VFH · VANGUARD WORLD FUND 0.02% 58,559 SH Aug. 19, 2026 Daily
FNCL · FIDELITY COVINGTON TRUST 0.02% 9,691 NS July 31, 2026 N-PORT
WSML · iShares Trust 0.01% 2,042 SH Sept. 11, 2026 Daily
VB · VANGUARD INDEX FUNDS 0.01% 423,141 SH Aug. 19, 2026 Daily
DFAC · Dimensional ETF Trust 0.01% 110,692 NS July 31, 2026 N-PORT
DFUV · Dimensional ETF Trust 0.01% 22,677 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.01% 4,610 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.01% 2,942 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 11,248 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 60,353 SH Sept. 11, 2026 Daily
DFUS · Dimensional ETF Trust 0.00% 11,196 NS July 31, 2026 N-PORT
TILT · FlexShares Trust 0.00% 972 NS July 31, 2026 N-PORT
IWV · iShares Trust 0.00% 8,698 SH Sept. 3, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 1,181,867 SH Aug. 19, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0.00% 26,043 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 2,926 SH Aug. 19, 2026 Daily
ESGV · VANGUARD WORLD FUND 0.00% 8,086 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 179,300 SH Sept. 11, 2026 Daily
ISCB · iShares Trust · 1,540 SH Sept. 11, 2026 Daily
ISCV · iShares Trust · 4,761 SH Sept. 11, 2026 Daily

LOB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 9 analysts BUY
Median target $46.50 +26.8%
1 11.1% Strong Buy
4 44.4% Buy
4 44.4% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

4 analysts · 2026-10-01

Mean target $46.75 +27.5%

← Below all targets Current price $36.68
Low$45.00 Mean$46.75 High$49.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
LOB · 15.4 18.3% 18.3% 9.4% ·
DCOM $1.32B 12.8 19.0% 556.0% 7.6% ·
HOPE $1.41B 22.4 5.0% 12.3% 2.7% ·
STBA $1.47B 11.3 4.8% 33.4% 9.2% ·
FSUN $1.05B 10.8 8.4% 23.4% 8.7% ·
NBHC $1.44B 13.3 2.9% 232.6% 8.0% ·
BY $1.33B 10.1 9.7% 29.1% 10.6% ·
BFC $1.20B 16.8 10.4% 41.1% 11.4% ·
TCBK $1.53B 12.8 4.1% 227.5% 9.4% ·
OCFC $1.03B 15.3 5.4% 17.5% 4.2% ·
OBK · 15.7 9.9% · · ·

Latest News Recent headlines mentioning this company

23

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Source: SEC 10-Q filed Aug 4, 2026