Live Oak Bancshares, Inc. LOB R2KR3KFINANCIAL
Company Overview
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
Why Investors Should Care
Net profit has compounded at 11.7% per year over the last five years.
Trades at a P/E of 13.8, below the sector median of 14.5.
Maintains a net profit margin of 26.5%.
Carries low leverage with a debt-to-equity ratio of 0.08.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +12.2%, earnings +45.1%.
- 5-Year Trend Long-term compounding — profit CAGR 11.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 12.20% |
Compounded Profit Growth
| 5 Years: | 11.70% |
| 1 Year: | 45.10% |
Stock Price Performance
| 1 Year: | +16.51% |
| 6 Months: | +18.25% |
| 3 Months: | +5.96% |
| 1 Month: | -6.75% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)39.31 · Neutral
P/E of 13.85 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 26.5%.
- Profit CAGR of 11.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LOB Live Oak Bancshares, Inc. R2KR3KFINANCIAL | 39.61 | 13.85 | $1.83B | 0.28% | - | 11.68% | - | 11.70% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | - | - | 8.07M | 3.94M | 2.90M | 4.69M | 123.00K | 3.48M | 6.11M | 9.79M | 12.86M | - | - | - | 2.37M | 4.93M | 3.90M | 6.83M | -7.60M | 3.78M | 33.78M | 39.43M | 63.58M | 33.84M | 34.51M | 97.04M | 42.87M | 398.00K | 17.54M | 39.79M | 27.59M | 26.96M | 13.03M | 9.72M | 23.43M | 26.52M | 30.04M | 36.80M |
| Diluted EPS | 0.31 | 0.02 | 0.27 | 0.13 | 0.09 | 0.13 | 0.00 | 0.10 | 0.17 | 0.27 | 0.33 | 0.30 | 0.34 | 0.34 | 0.06 | 0.12 | 0.09 | - | -0.19 | 0.09 | 0.81 | 0.88 | 1.41 | 0.76 | 0.76 | 2.16 | 0.96 | 0.01 | 0.39 | 0.88 | 0.60 | 0.59 | 0.28 | 0.21 | 0.51 | 0.55 | 0.60 | 0.74 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 28.06M | 10.05M | 20.62M | 13.77M | 100.50M | 51.45M | 18.03M | 59.54M | 167.00M | 176.21M | 73.90M | 77.47M | 105.87M |
| Diluted EPS | 1.37 | 0.41 | 0.65 | 0.39 | 2.65 | 1.24 | 0.44 | 1.43 | 3.71 | 3.92 | 1.64 | 1.69 | 2.23 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 673.32M | 1.05B | 1.76B | 2.76B | 3.67B | 4.81B | 7.87B | - | 9.86B | 11.27B | 12.94B | 15.13B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - | 284.24M | 582.79M | 609.05M | 865.15M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | - | 581.50M | 853.13M | 1.53B | 2.32B | 3.18B | 4.28B | 7.30B | - | 9.04B | 10.37B | 11.94B | 13.88B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 41.85M | 28.38M | 27.84M | 26.56M | 16.00K | - | - | - | 33.20M | 23.35M | 112.82M | 102.40M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | 83.20M | 23.35M | 112.82M | 102.40M |
| Total Equity | 31.76M | 48.39M | 91.81M | 199.46M | 222.85M | 436.93M | 493.56M | 532.39M | 567.85M | - | 811.03M | 902.67M | 999.03M | 1.25B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | 44.06M | 44.62M | 45.36M | 46.03M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -44.17M | -261.51M | -334.68M | -221.95M | -287.53M | 6.29M | -482.52M | -261.00M | -119.72M | 124.48M | 184.90M | 156.78M | 158.24M |
| Investing Cash Flow | -20.54M | 18.47M | 59.58M | -320.07M | -535.02M | -845.36M | -684.57M | -2.62B | -149.80M | -1.44B | -1.34B | -1.70B | -1.90B |
| Financing Cash Flow | 57.78M | 235.70M | 347.81M | 677.42M | 879.81M | 863.10M | 1.07B | 2.98B | 154.95M | 1.53B | 1.32B | 1.57B | 2.00B |
| Capital Expenditure | -7.73M | -14.35M | -30.45M | -10.89M | -124.14M | -111.32M | -37.20M | -20.99M | -3.08M | -43.75M | -46.84M | -49.31M | -14.76M |
| Free Cash Flow | -51.90M | -275.85M | -365.13M | -232.84M | -411.67M | -105.03M | -519.72M | -281.99M | -122.80M | 80.73M | 138.06M | 107.47M | 143.49M |
| Share Buybacks | 444.00K | 0 | 0 | - | - | - | - | - | - | - | - | - | - |
| Dividends Paid | 11.92M | 43.85M | 2.73M | 2.74M | 3.78M | 4.81M | 4.83M | 4.91M | 5.19M | 5.27M | 5.33M | 5.41M | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ROE % | 58.0% | 10.9% | 10.3% | 6.2% | 23.0% | 10.4% | 3.4% | 10.5% | - | 21.7% | 8.2% | 7.8% | 8.5% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | T. Rowe Price Investment Management, Inc. | 13.99% | 6.47M | $259.70M |
| 2 | Blackrock Inc. | 7.60% | 3.52M | $141.09M |
| 3 | Vanguard Capital Management LLC | 3.58% | 1.65M | $66.40M |
| 4 | Dimensional Fund Advisors LP | 3.49% | 1.62M | $64.83M |
| 5 | State Street Corporation | 2.96% | 1.37M | $54.88M |
| 6 | Barrow, Hanley Mewhinney & Strauss, LLC | 2.94% | 1.36M | $54.58M |
| 7 | Gilder Gagnon Howe & Co LLC | 2.43% | 1.12M | $45.10M |
| 8 | Vanguard Portfolio Management LLC | 2.15% | 996.87K | $40.00M |
| 9 | SouthernSun Asset Management, LLC | 2.02% | 934.75K | $37.51M |
| 10 | Geode Capital Management, LLC | 1.97% | 912.54K | $36.62M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for LOB
Live Oak Bancshares (LOB) Stock Could Be 46% Undervalued On Earnings Strength - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxNeWFUaEZGNVFYWWlnY0NxYzNWckhkY2twa2RMU2lOSnhVMXUybHllSlZ3U2ZMV2ZaZndDWlNEVGlwZ0lhSFU1MVozOUNsdjdwTWZhc1NDSWEzeDdIZlh5eWRVTjN1cy1JSGJDX21YZHAxcmoycjVUcGdzWHlqbnczUmFGQW9oRWpNLTBrMD…
36,337 Shares in Live Oak Bancshares, Inc. $LOB Purchased by Legal & General Group Plc - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMi2AFBVV95cUxPT0c5X1NRQndScWlTcklRdjBOOTJuSzZ3MlN1a0VoNVhCb0R2eUxoX085M1owOHo5aFBXRWt3YlhDV3UwYUwxOEhvSFlFaGg5OTIzRlRqOHhkME90Nm1HY05ZdFFCWkNnQkloY25ZNVZfbWV6M3VIbTdadExDcGU2ZnYzdnRJZmtfSTVKWG…
Live Oak Bancshares (LOB) director to sell $63.8K in stock - Stock Titan
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2 Reasons LOB is Risky and 1 Stock to Buy Instead - Yahoo Finance
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Live Oak Bancshares (NYSE: LOB) insider plans new 10,000-share Rule 144 sale - Stock Titan
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Live Oak Bancshares (NYSE:LOB) Stock Rating Lowered by Zacks Research - marketbeat.com
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LOB — Frequently Asked Questions
What is the current share price of Live Oak Bancshares, Inc. (LOB)?
As of 2026-09-07 16:24 PDT, Live Oak Bancshares, Inc. (LOB) trades at $39.61 on NYSE. Its 52-week range is $29.31 to $43.73.
What is the market capitalisation of LOB?
Live Oak Bancshares, Inc. (LOB) has a market capitalisation of $1.83B on NYSE.
What is the P/E ratio of LOB?
LOB trades at a trailing price-to-earnings (P/E) ratio of 13.85. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.62.
Does LOB pay a dividend?
Live Oak Bancshares, Inc. (LOB) currently offers a dividend yield of 0.28%.
What is the return on equity (ROE) of LOB?
LOB has a return on equity (ROE) of 11.68%.
Is LOB a good stock to buy?
This page provides a data-driven analysis of Live Oak Bancshares, Inc. (LOB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.