Stock Ratings / Financials / LOB / earnings

CASH (56) BFC (61) NBHC (55) QCRH (66) ⌘ Pro Terminal →

Live Oak Bancshares Inc. (LOB) Next Earnings Date & Expected ±6.2% Move

$34.47 -1.71% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.30

Live Oak Bancshares Inc. (LOB) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $1.62B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LOB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LOB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Live Oak Bancshares Inc. (NYSE: LOB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $34.47 (-1.71% 1D, market cap $1.62B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, LOB ranks #560 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LOB compare to CASH and BFC in the Financials sector?

▼

Within the Financials sector (Major Banks), LOB carries a Roarable D+ (55/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 8.5%. By comparison, CASH (Pathward Financial Inc.) holds a D+ grade (56/100 RQD, P/E 8.6x, ROIC 21.8%, cap $1.59B) and BFC (Bank First Corporation) posts a C- grade (61/100 RQD, P/E 23.4x, ROIC 11.1%, cap $1.67B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LOB?

▼

Per LOB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001462120), Live Oak Bancshares Inc. generated $0 in revenue, $105.9M in net income, and $143.5M in free cash flow against $15.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $34.30 (-0.50%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 3.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LOB)Realized 20D OHLCV Swing Band: ±6.2%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY LOB SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 3.6% FCF Margin ($143.5M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$34.80-1% Next Q

Q2 (-2Q)

Grade C$34.45+0.7% Next Q

Q3 (-1Q)

Grade C$34.68-0.6% Next Q

Current

Grade D+$34.47-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LOB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, LOB faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.05) or 200D SMA ($38.09) invalidates the momentum regime and cuts Target Base ($34.00) toward Bear Floor ($26.52).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LOB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LOB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±6.2% Swing Band

±$2.14 Expected Swing

MODEL EARNINGS SETUP GAUGE

LOB Quantitative Pre-Earnings Setup: 55/100

Trailing EPS: $2.29 • YoY Revenue Growth: 12.4%

Model Bullish Setup (55/100)Model Risk Weight (45/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$105.9M	$143.5M	52%
FY 2024	2024-12-31	$0	$77.5M	$107.5M	52%
FY 2023	2023-12-31	$0	$73.9M	$184.9M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LOB)

✓Walkthrough of LOB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LOB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.10%▼ DESCENDING CHANNEL

2026-11-02O $34.66H $35.07L $34.47C $34.47VOL 243.2K

RES: $35.94SUP: $32.29SMA50: $37.05SMA200: $38.09

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LOB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LOB Butterfly Map → + Track LOB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LOB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LOB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LOB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LOB)

Financials Rank #560 of 1096 ⚔️ CASH vs LOB Full Matrix →

1. Head-to-Head Financials Peer Comparison (LOB vs. CASH, BFC, NBHC, QCRH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Live Oak Bancshares Inc. (LOB) ranks #560 by composite RQD confidence (55/100, grade D+) and #470 by equity capitalization ($1.62B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. QCRH currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with LOB at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LOB ACTIVE Live Oak Bancshares Inc.	D+	55/100	15.3x	—	8.5%	-1.71%	$1.62B	Benchmark Subject
CASH Pathward Financial Inc.	D+	56/100	8.6x	—	21.8%	-1.77%	$1.59B	/cash-vs-lob →
BFC Bank First Corporation	C-	61/100	23.4x	—	11.1%	-1.06%	$1.67B	/bfc-vs-lob →
NBHC National Bank Holdings Corporation	D+	55/100	15.3x	—	7.9%	-0.35%	$1.67B	/nbhc-vs-lob →
QCRH QCR Holdings Inc.	C+	66/100	13.2x	—	11.4%	-0.91%	$1.68B	/qcrh-vs-lob →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001462120

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Live Oak Bancshares Inc. (LOB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $105.9M, operating cash flow of $158.2M, and free cash flow of $143.5M (+33.5% YoY). On the balance sheet, LOB closed FY2025 with $15.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$105.9M	$158.2M	$143.5M	$15.13B	—
FY2024 (FY)	2024-12-31	$0	$77.5M	$156.8M	$107.5M	$12.94B	—
FY2023 (FY)	2023-12-31	$0	$73.9M	$184.9M	$184.9M	—	—

3. LOB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LOB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LOB compare to CASH and BFC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LOB?

Where is LOB trading relative to its 50-day, 200-day, and 52-week technical levels?

LOB last traded at $34.47 (-1.71% on volume of 173,959 shares), positioning the stock -6.96% below its 50-day simple moving average ($37.05) and -9.50% below its 200-day simple moving average ($38.09). Across its 52-week range of $29.36 to $44.53, LOB sits at the 33.7% percentile with a 14-day RSI of 44.4 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($32.33 to $36.61).

LOB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is LOB's next earnings date?

Based on SEC filing cadence, Live Oak Bancshares Inc. (LOB)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is LOB stock expected to move on earnings?

Volatility modeling currently projects a ±6.2% event move for LOB, spanning a range between $32.33 and $36.61.

Direct Sub-Reports: LOB RQD Cockpit LOB 12M Forecast LOB Earnings & Move LOB Dividends & DRIP LOB Insiders & 13F LOB Whale Options LOB Profit Sankey LOB News & Why