Exploring Live Oak Bancshares, Inc. (LOB) Investor Profile: Who’s Buying and Why?

Have you ever wondered who is investing in Live Oak Bancshares, Inc. (LOB) and, more importantly, why? As of December 31, 2024, institutional investors held a significant stake, totaling 38,707,485 shares. Key players include T. Rowe Price Investment Management, Inc. holding 6,456,789 shares, BlackRock, Inc., and Vanguard Group Inc, according to recent SEC filings. But what's driving these investment decisions? Is it the company's record year of $5.16 billion in loan production, the impressive 14.8% growth in total assets reaching $12.94 billion, or perhaps the strategic focus on small business lending that sets Live Oak apart? Let's delve into the investor profile of Live Oak Bancshares and uncover the motivations behind their investments.

Live Oak Bancshares, Inc. (LOB) Who Invests in [Company Name] and Why?

Understanding the investor profile of Live Oak Bancshares, Inc. (LOB) involves examining the diverse range of entities and individuals that hold its stock, and their motivations for doing so. These investors typically include retail investors, institutional investors, and potentially hedge funds, each bringing different investment strategies and objectives.

Key Investor Types:

The investor base of Live Oak Bancshares, Inc. (LOB) can be categorized into several key types:

• Retail Investors: These are individual investors who buy shares of Live Oak Bancshares, Inc. (LOB) for their personal accounts. Retail investors may be attracted to Live Oak Bancshares, Inc. (LOB) due to its growth prospects and potential returns.
• Institutional Investors: These include entities such as mutual funds, pension funds, insurance companies, and investment firms. Institutional investors often hold significant portions of a company's stock.
• Hedge Funds: Some hedge funds may invest in Live Oak Bancshares, Inc. (LOB), seeking to capitalize on short-term trading opportunities or specific market events.

Investment Motivations:

Investors are drawn to Live Oak Bancshares, Inc. (LOB) for various reasons, often linked to the company's unique characteristics and market position:

• Growth Prospects: Live Oak Bancshares, Inc. (LOB) is known for its specialization in lending to specific industries, which can offer high-growth opportunities. Investors looking for companies with strong growth potential may find Live Oak Bancshares, Inc. (LOB) appealing.
• Market Position: As a leader in its niche, Live Oak Bancshares, Inc. (LOB) holds a significant market position. This stability and expertise can attract investors seeking reliable and established companies.

Investment Strategies:

The strategies employed by investors in Live Oak Bancshares, Inc. (LOB) can vary widely:

• Long-Term Holding: Many institutional investors adopt a long-term holding strategy, focusing on the company's sustained growth and stability over time.
• Short-Term Trading: Hedge funds and some retail investors may engage in short-term trading, aiming to profit from price fluctuations and market volatility.
• Value Investing: Some investors may view Live Oak Bancshares, Inc. (LOB) as undervalued, based on its assets, earnings, and future potential, leading them to invest with a value-oriented approach.

For more insights into Live Oak Bancshares, Inc. (LOB), explore: Live Oak Bancshares, Inc. (LOB): History, Ownership, Mission, How It Works & Makes Money

Live Oak Bancshares, Inc. (LOB) Institutional Ownership and Major Shareholders of Live Oak Bancshares, Inc. (LOB)

Institutional investors and major shareholders play a significant role in the stock performance and strategic direction of Live Oak Bancshares, Inc. (LOB). As of April 2025, 444 institutional owners and shareholders have filed 13D/G or 13F forms with the Securities Exchange Commission (SEC), holding a total of 38,707,485 shares.

Here's a detailed look at the ownership structure:

• Institutional Ownership: Approximately 44.95% of the company's stock is held by institutional investors.
• Insider Ownership: About 5.36% is owned by insiders.
• Public Companies and Individual Investors: Roughly 11.96% is owned by public companies and individual investors.

The largest individual shareholder is James S. Mahan III, owning 18.81 million shares, which represents approximately 41.28% of the company. The value of James S. Mahan III’s shares is estimated at $449.21 million.

Here are the top institutional investors in Live Oak Bancshares, Inc. (LOB):

• T. Rowe Price Investment Management, Inc.: Holds 14.09% of the shares.
• BlackRock, Inc.: Holds 6.16% of the shares.
• Vanguard Group, Inc.: Holds 5.77% of the shares.
• Capital International Investors: Holds 4.48% of the shares.
• Barrow Hanley Mewhinney & Strauss LLC: Holds 3.38% of the shares.
• Dimensional Fund Advisors LP: Holds 3.11% of the shares.

Institutional ownership accounts for 61.85% of Live Oak Bancshares, Inc. (LOB), while individual ownership constitutes 23.45%. A significant portion, 7.59%, remains unknown, and other entities hold 3.24%. State Street Corporation holds 2.96%, Manulife Financial Corp. holds 0.66%, Schweizerische Nationalbank holds 0.16%, SEI Investments Co. holds 0.05%, and Corebridge Financial, Inc. holds 0.04%.

Recent trading activity indicates that institutional investors are actively managing their positions in Live Oak Bancshares, Inc. (LOB). For example, Sanctuary Advisors LLC acquired 1,038 shares, while Inceptionr LLC purchased 9,068 shares valued at $359,000. These actions suggest ongoing confidence from institutional investors despite market fluctuations.

The level of institutional ownership can significantly influence Live Oak Bancshares, Inc. (LOB)'s stock price and strategic decisions. Large institutional investors often have the resources to conduct thorough research and analysis, enabling them to make informed investment decisions. Their trading activity can create upward or downward pressure on the stock price. Furthermore, these investors may engage with the company's management to influence corporate strategy and governance.

For additional insights into Live Oak Bancshares, Inc. (LOB), you can explore: Live Oak Bancshares, Inc. (LOB): History, Ownership, Mission, How It Works & Makes Money.

Live Oak Bancshares, Inc. (LOB) Key Investors and Their Impact on [Company Name]

Understanding the investor profile of Live Oak Bancshares, Inc. (LOB) provides valuable insights into the company's stability, growth potential, and strategic direction. Key investors can significantly influence company decisions and stock performance through their holdings and actions.

While specific real-time data on all key investors and their recent moves is dynamic and subject to change, focusing on publicly available information and institutional ownership trends can offer a clear picture. Information regarding major shareholders is often available through SEC filings such as 13F filings, which institutional investment managers with over $100 million in assets under management are required to file quarterly.

Notable investors in Live Oak Bancshares, Inc. (LOB) may include:

• Institutional Investors: These typically include mutual funds, pension funds, hedge funds, and other investment companies. Large institutional holdings can provide stability to the stock and reflect confidence in the company's long-term prospects.
• Individual Investors: High-net-worth individuals with significant stakes in the company.
• Activist Investors: While not always present, activist investors take large positions in a company with the goal of influencing management decisions to increase shareholder value.

Investor influence on Live Oak Bancshares, Inc. (LOB) can manifest in several ways:

• Voting Rights: Large shareholders have a greater say in company matters that require shareholder votes, such as electing board members, approving mergers and acquisitions, and executive compensation.
• Market Confidence: Significant investments by reputable investors can boost market confidence, driving up the stock price.
• Strategic Direction: Major investors may engage with the company's management to influence strategic decisions, such as business development, capital allocation, and operational improvements.

Recent moves by key investors, such as buying or selling large stakes, can signal important shifts in sentiment. For example:

• Increased Holdings: A large investor increasing their stake may indicate a positive outlook on the company's future performance.
• Decreased Holdings: Conversely, a significant reduction in holdings could suggest concerns about the company's prospects.
• Activist Interventions: Public campaigns or private negotiations by activist investors can lead to significant changes in company strategy or governance.

Here is a hypothetical example of institutional ownership data (based on the 2024 fiscal year), presented for illustrative purposes:

Analyzing these ownership trends, along with the investors' past behavior and public statements, can provide a deeper understanding of their potential impact on Live Oak Bancshares, Inc. (LOB). Understanding Live Oak Bancshares, Inc. (LOB)'s mission, vision, and core values is also crucial. Learn more at: Mission Statement, Vision, & Core Values of Live Oak Bancshares, Inc. (LOB).

Live Oak Bancshares, Inc. (LOB) Market Impact and Investor Sentiment

Understanding investor sentiment and market reactions is crucial for evaluating the potential of Live Oak Bancshares, Inc. (LOB). Here's a breakdown of the current sentiment, market reactions, and analyst perspectives:

• Investor Sentiment: Recent data indicates a mixed sentiment among investors. While some analysts maintain a positive outlook, others suggest caution due to factors like internal control concerns and earnings misses. Search interest for Live Oak Bancshares stock from India on INDmoney has increased by 50% in the last 30 days, reflecting an upward trend in search activity.
• Institutional Ownership: Live Oak Bancshares has 445 institutional owners and shareholders that have filed 13D/G or 13F forms with the Securities Exchange Commission (SEC). These institutions hold a total of 38,624,109 shares.

Major institutional shareholders include:

• T. Rowe Price Investment Management, Inc. (14.09%)
• BlackRock, Inc. (6.16%)
• Vanguard Group Inc. (5.77%)
• Capital Research & Mgmt Co - Division 3 (4.48%)
• Barrow Hanley Mewhinney & Strauss LLC (3.38%)
• Dimensional Fund Advisors, Inc. (3.11%)

These institutions hold a significant percentage of the company's stock, indicating strong institutional interest.

Recent insider trading activity shows:

• Number of Shares Bought: 138,025
• Number of Shares Sold: 365,987
• Net Activity: (227,962)

Recent Market Reactions: The stock market has reacted to various announcements and financial results. For instance, in March 2025, shares of Live Oak Bancshares dropped approximately 5% following the company's 10-K filing, which revealed a material weakness in internal controls over its loan review process. However, Keefe, Bruyette & Woods maintained a Market Perform rating and a $44.00 price target on the stock.

Live Oak Bancshares reported its Q3 2024 earnings, revealing a miss on both earnings per share (EPS) and revenue forecasts. The company posted an EPS of $0.22, falling short of the expected $0.5467, while revenue reached $128.07 million, below the anticipated $132.4 million. Despite these misses, the stock saw a 1.23% increase in premarket trading, reflecting cautious optimism among investors.

Despite a recent decline, analysts' price targets suggest potential upside. The average price target for Live Oak Bancshares is $41.00. This is based on 2 Wall Street analysts' 12-month price targets, issued in the past 3 months. The highest analyst price target is $44.00, the lowest forecast is $38.00. The average price target represents 71.55% Increase from the current price of $23.9.

Analyst Perspectives: Analysts' opinions on Live Oak Bancshares are mixed, with a consensus rating of Hold. This is based on the ratings of 2 Wall Street Analysts. Some analysts highlight the company's strong growth in its loan portfolio and deposits, while others point to concerns about earnings and internal controls.

According to 3 Wall Street analysts that have issued a 1 year LOB price target, the average LOB price target is $44.67, with the highest LOB stock price forecast at $46.00 and the lowest LOB stock price forecast at $44.00. On average, Wall Street analysts predict that Live Oak Bancshares's share price could reach $44.67 by Jan 24, 2026. The average Live Oak Bancshares stock price prediction forecasts a potential upside of 90.23% from the current LOB share price of $23.48.

Here's a summary of analysts' forecasts for Live Oak Bancshares:

Live Oak Bancshares's forecast annual earnings growth rate of 34.3% is forecast to beat the US Banks - Regional industry's average forecast earnings growth rate of 16.1%, and while it is not forecast to beat the US market's average forecast earnings growth rate of 65.7%. Live Oak Bancshares's earnings in 2025 is $77,474,000.

For additional insights into Live Oak Bancshares, Inc.'s financial health, consider exploring this resource: Breaking Down Live Oak Bancshares, Inc. (LOB) Financial Health: Key Insights for Investors