LOB (Live Oak Bancshares) Shares Outstanding (EOP): 46.2 Mil (As of Mar. 2026)

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LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $42.80
GF Value $43.14
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares Shares Outstanding (EOP)?

Live Oak Bancshares LOB +0.80% 70 Shares Outstanding (EOP) is 46.2 Mil as of Mar. 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.14 (Fairly Valued). The stock has 5 warning signs investors should review.

Shares outstanding are shares that have been authorized, issued, and purchased by investors and are held by them. Live Oak Bancshares's shares outstanding for the quarter that ended in Mar. 2026 was 46.2 Mil.

Live Oak Bancshares's quarterly shares outstanding increased from Dec. 2025 (46.0 Mil) to Mar. 2026 (46.2 Mil). It means Live Oak Bancshares issued new shares from Dec. 2025 to Mar. 2026 .

Live Oak Bancshares's annual shares outstanding increased from Dec. 2024 (45.4 Mil) to Dec. 2025 (46.0 Mil). It means Live Oak Bancshares issued new shares from Dec. 2024 to Dec. 2025 .


Live Oak Bancshares  (NYSE:LOB) Shares Outstanding (EOP) Explanation

A company may buy back shares or issue shares in any fiscal period. If a company buys back shares, we should observe that the total number of shares decline. If the company issues new shares, the number of shares outstanding increases.

Usually the presence of treasury shares and a history of buyback are good indicators that company has competitive advantage. But studies have shown that companies usually buy back at wrong time. Buying back shares below its intrinsic value increases value for remaining shareholders. Buying back overvalued shares destroys value for existing shareholders.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred net income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Live Oak Bancshares Shares Outstanding (EOP) Related Terms


Live Oak Bancshares Shares Outstanding (EOP) Historical Data

* Premium members only.

The historical data trend for Live Oak Bancshares's Shares Outstanding (EOP) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Live Oak Bancshares Shares Outstanding (EOP) Chart

Live Oak Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shares Outstanding (EOP)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 43.84 44.06 44.62 45.36 46.03

Live Oak Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shares Outstanding (EOP) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 45.69 45.86 46.03 46.24 46.28

LOB vs NBHC, CHCO, STBA: Shares Outstanding (EOP) Comparison

For the Banks - Regional subindustry, Live Oak Bancshares's Shares Outstanding (EOP), along with its competitors' market caps and Shares Outstanding (EOP) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Live Oak Bancshares Shares Outstanding (EOP) vs Banks Industry

For the Banks industry and Financial Services sector, Live Oak Bancshares's Shares Outstanding (EOP) distribution charts can be found below:

* The bar in red indicates where Live Oak Bancshares's Shares Outstanding (EOP) falls into.


LOB
70GF Score
Live Oak Bancshares Inc LOB
Shares Outstanding (EOP) is just one metric. See GF Score™, valuation, warning signs, and more.
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Live Oak Bancshares Shares Outstanding (EOP) Calculation

Shares outstanding are shares that have been authorized, issued, and purchased by investors and are held by them. They have voting rights and represent ownership in the corporation by the person that holds the shares. They should be distinguished from treasury shares, which are shares held by the corporation itself, having no exercisable rights.

Shares outstanding can be calculated as either basic or fully diluted. The fully diluted shares outstanding count includes diluting securities, such as options, warrants or convertibles.

Please note: GuruFocus named Shares Outstanding (EOP) is the shares for that end of period. It is usually used to calculate balance sheet related items, such as Book Value per Share, etc. While Shares Outstanding (Diluted Average) and Shares Outstanding (Basic Average) are the weighted average shares over a period of time (a year, a quarter, or so). They are usually used to calculate income statement or cashflow statement related items, such as Earnings per Share (Diluted), etc.

What does a Shares Outstanding (EOP) of 46.2 Mil mean?
Live Oak Bancshares (LOB) has a Shares Outstanding (EOP) of 46.2 Mil as of Mar. 2026. The total shares a company has outstanding, at period-end. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' Shares Outstanding (EOP) too high?
Live Oak Bancshares' current Shares Outstanding (EOP) is 46.2 Mil. Overall, Live Oak Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Shares Outstanding (EOP) compare to NBHC and CHCO?
Live Oak Bancshares' Shares Outstanding (EOP) of 46.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shares Outstanding (EOP) for a Banks company?
A good Shares Outstanding (EOP) depends on the Banks industry context. However, Shares Outstanding (EOP) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shares Outstanding (EOP) mean?
A high Shares Outstanding (EOP) can signal that a stock is expensive relative to its fundamentals. The total shares a company has outstanding, at period-end. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current Shares Outstanding (EOP) is 46.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Live Oak Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Live Oak Bancshares (LOB) is currently considered Fairly Valued. The stock's GF Value™ is $43.14, compared to a current price of $42.80 — trading 0.8% below its estimated fair value. The current Shares Outstanding (EOP) is 46.2 Mil. Live Oak Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shares Outstanding (EOP) calculated?
Shares Outstanding (EOP) is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Shares Outstanding (EOP) is 46.2 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Live Oak Bancshares (LOB) Overvalued in 2026?

Based on GuruFocus' analysis, Live Oak Bancshares stock appears to be undervalued. The current stock price of $42.80 is trading 0.8% below its estimated GF Value™ of $43.14. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • Shares Outstanding (EOP): 46.2 Mil
  • GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
  • GF Score™: 70/100 with 5 warning signs

No single metric tells the full story. See the LOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Live Oak Bancshares Business Description

Address 1741 Tiburon Drive, Wilmington, NC, USA, 28403
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
70GF Score

Get the complete analysis for LOB

Shares Outstanding (EOP) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.80
Price
$43.14
GF Value