1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc.

LOB
Live Oak Bancshares, Inc.US flagNew York Stock Exchange
36.01
USD
-1.80
- -
1.67BMarket Cap
Live Oak Bancshares, Inc.
LOB
(New York Stock Exchange)

Recent

price

36.01

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.33
2.11
1.96
2.63
3.35
3.81
4.86
4.96
5.01
7
10.24
8.93
9.6
10.7
11.84
12.16
Revenue per Share
0.5
0.41
0.98
0.37
0.66
0.4
2.75
1.28
0.45
1.46
3.87
4.02
1.67
1.72
2.25
2.68
Basic EPS, GAAP
-0.56
-1.77
-1.81
-9.64
-11.75
-6.81
-11.25
-2.62
-12.92
-6.93
-2.84
-7.85
3.11
2.39
3.14
5.69
Free Cash Flow per Basic Share
0.24
0.51
0.42
1.53
0.09
0.08
0.1
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.19
0.23
Dividend per Share
0.95
1.36
1.7
3.21
6.42
6.53
11.97
12.36
12.94
13.43
16.52
20.6
22.26
24.03
26.22
26.79
Book Value per Share
0.96
1.32
1.69
3.21
6.42
6.52
11.94
12.32
13.24
13.96
16.57
18.49
20.35
22.3
25.33
25.85
Tangible Book Value per Share
29
24
29
29
31
34
37
40
40
41
43
44
44
45
46
46
Basic Weighted Avg Shares
38
51
56
75
104
130
178
199
202
285
442
392
426
482
541
558
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
1
1
2
3
4
10
16
20
22
21
21
21
23
30
30
Depreciation Expense
14
16
28
10
21
14
100
51
18
60
167
176
74
77
106
126
Net Income, GAAP
- -
- -
- -
42.37
40.11
20.01
- -
- -
23.15
- -
20.78
16.22
10.78
13.24
26.03
25.83
Effective Tax Rate (%)
37.53
31.85
50.06
13.34
19.81
10.58
56.52
25.89
8.94
20.92
37.78
44.97
17.35
16.08
19.56
22.62
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9
12
12
13
4
4
4
1
- -
1,528
310
33
23
113
102
100
LT Debt
28
32
48
92
199
223
437
494
532
568
715
811
903
1,003
1,254
1,282
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
33.22
69.21
15.28
14.16
6.51
30.39
11.03
3.55
11.16
26.52
21.8
7.82
7.49
9.02
10.6
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
105
102
100
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
96
96
96
Shares Outstanding
46
46
46
Market Capitalization
1,603
1,569
1,517

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,636
1,727
1,685
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
22.21%
17.36%
24.97%
Free Cash Flow
31.06%
-0.92%
33.51%
Net Income, GAAP
88.23%
33.88%
36.65%
Sales/Revenue/Turnover
19.41%
15.62%
12.36%
Total Cash Common Dividend
7.89%
2.28%
1.52%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
118
123
126
125
482
2025
121
142
142
133
541
2026
140
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.62
0.6
0.29
0.22
1.72
2025
0.21
0.51
0.56
0.96
2.25
2026
0.65
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.03
0.03
0.03
0.03
0.12
2025
0.03
0.03
0.05
0.08
0.19
2026
0.08
- -
- -
- -
- -
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Business
Live Oak Bancshares, Inc. operates primarily as the parent company of Live Oak Banking Company, specializing in providing business banking services with a focus on small and medium-sized enterprises across the United States. The company offers a comprehensive suite of financial products and services, including commercial loans, SBA lending, equipment financing, deposit accounts, treasury management, and digital banking solutions. Its core product offerings include SBA loans, particularly the SBA 7(a) loan program, commercial real estate loans, and business term loans, alongside deposit products such as checking, savings, and money market accounts. Live Oak Bancshares also provides specialized lending services tailored to industries such as healthcare, technology, manufacturing, and franchises, supported by advanced underwriting technology and industry expertise. Founded in 2008 and headquartered in Wilmington, North Carolina, Live Oak Bancshares has cultivated a national footprint by leveraging technology to streamline loan origination and servicing with an emphasis on underserved business sectors. The company has expanded its operations and service capabilities through strategic acquisitions and partnerships in recent years. Notably, within the last 1-2 years, Live Oak Bancshares has pursued strategic business developments including expanding its digital banking platform and enhancing its technology infrastructure to improve client experience and operational efficiency. It has also entered into alliances to broaden its service offerings and geographic reach, reflecting a strategic focus on scaling its lending and banking services nationwide. Live Oak Bancshares operates predominantly in the financial services industry, targeting a customer base comprised of small businesses seeking flexible financing solutions and expert banking guidance. The company’s industry segments include small business banking, commercial lending, and specialized finance sectors such as healthcare and franchising. Its geographic scope covers multiple states across the U.S., with digital capabilities allowing nationwide service delivery. The company also manages various subsidiaries under its corporate structure to support its diversified financial products. This profile reflects Live Oak Bancshares, Inc. as a technology-driven, client-focused banking institution with a robust portfolio of lending and deposit products designed to serve small to mid-sized business enterprises, supported by recent strategic initiatives aimed at expanding its digital presence and enhancing financial service delivery across the U.S. market.

Company News

APIChat

  • globenewswire.com

    Live Oak Bank Grant Fuels Workforce Mobility Through The Forward Fund

  • seekingalpha.com

    Live Oak Bancshares, Inc. (LOB) Q1 2026 Earnings Call Transcript

  • zacks.com

    Live Oak Bancshares (LOB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

  • zacks.com

    Live Oak Bancshares (LOB) Q1 Earnings Surpass Estimates

  • globenewswire.com

    Live Oak Bancshares, Inc. Reports First Quarter 2026 Results

  • zacks.com

    Banks in Focus: 3 Stocks Set to Beat Q1 Earnings Estimates

  • globenewswire.com

    Live Oak Bancshares, Inc. Announces Date of First Quarter 2026 Financial Results

  • defenseworld.net

    Sovran Advisors LLC Makes New Investment in Live Oak Bancshares, Inc. $LOB

  • globenewswire.com

    Live Oak Bank Grant Supports Lower Cape Fear LifeCare Hospice Nurses, Addresses Growing Care Shortage in North Carolina

  • fool.com

    Live Oak Bancshares CEO Sells 20000 Shares for $653000

  • fool.com

    Unexpected Stock Picks and Looking to the Future

  • fool.com

    Live Oak Bancshares CEO Sells Another 20,000 Shares

  • fool.com

    Live Oak Bancshares CEO Sells 20,000 Shares As Stock Starts 2026 Strong

  • seekingalpha.com

    Live Oak Bancshares, Inc. (LOB) Q4 2025 Earnings Call Transcript

  • zacks.com

    Live Oak Bancshares (LOB) Reports Q4 Earnings: What Key Metrics Have to Say

  • zacks.com

    Live Oak Bancshares (LOB) Beats Q4 Earnings and Revenue Estimates

  • globenewswire.com

    Live Oak Bancshares, Inc. Reports Fourth Quarter 2025 Results

  • zacks.com

    Countdown to Live Oak Bancshares (LOB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS

  • zacks.com

    Live Oak Bancshares (LOB) Earnings Expected to Grow: Should You Buy?

  • fool.com

    Live Oak Bancshares CEO Lobbed Up 10,000 Shares For Sale in December