Live Oak Bancshares, Inc. LOB R2K

Financial Services · Banks - Regional · United States

https://www.liveoak.bank

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.

Market & Price

Market Cap

$1.76B

Current Price

$38.03

High / Low (52W)

$41.72 / $27.17

Beta

1.92

Valuation

Stock P/E

14.52

Industry PE

12.01

Forward P/E

9.21

PEG Ratio

Book Value

$25.55

Price to Book

1.49

P/S

3.43

EV/EBITDA

Dividend Yield

0.32%

Profitability & Returns

ROCE

ROE

10.89%

ROA

0.87%

Profit Margin

24.64%

Op Margin

35.48%

EPS (Latest Qtr)

$0.60

EPS (TTM)

$2.62

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$99.75M

Total Assets

$15.13B

Current Assets

Working Capital

Ownership

Promoter Holding

22.90%

Chg in Prom Hold

FII / Inst Holding

71.81%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.14B

Total Revenue (TTM)

$512.21M

EBITDA

Free Cash Flow

Operating Cash Flow

$275.39M

Shares Outstanding

46.26M

Gross Margin

0.00%

Payout Ratio

4.58%

Growth (CAGR)

Revenue 5Y

11.37%

Profit 5Y

-15.62%

Revenue (YoY)

33.50%

Earnings (YoY)

185.70%

PROS

Excellent profit margin of 24.6%.
Compounding revenue at 11.4% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -15.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	38.03	14.52	$1.76B	0.32%	-	10.89%	11.37%	-15.62%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	120.56M	142.00M	142.46M	133.00M	140.37M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	112.57M	115.06M	115.94M	116.53M	114.46M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.13M	31.20M	36.57M	61.91M	40.08M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.46M	7.82M	10.11M	15.79M	10.13M
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	46.21M	30.04M
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	0.95	0.60

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
Revenue	-	-	-	-	-	-	-	-	-	391.86M	425.85M	481.69M	541.23M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	116.97M	342.97M	436.47M	460.11M
Pretax Income	-	-	-	-	-	-	-	-	-	210.32M	82.83M	89.23M	142.81M
Tax Provision	-	-	-	-	-	-	-	-	-	34.12M	8.93M	11.82M	37.17M
Net Income	28.06M	10.05M	20.62M	13.77M	100.50M	51.45M	18.03M	59.54M	-	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	-	3.92	1.64	1.69	2.23

Compounded Sales Growth

5 Years:	11.37%
1 Year:	33.50%

Compounded Profit Growth

5 Years:	-15.62%
1 Year:	185.70%

Stock Price Performance

1 Year:	+39.05%
6 Months:	+18.42%
3 Months:	+4.94%
1 Month:	+0.56%

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	-	-300.74M	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	-	-1.02B	-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	-	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	-	-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	-	-344.50M	138.06M	107.47M	143.49M
Net Change in Cash	-	-	-	-	-	-	-	-	-	212.89M	165.90M	26.26M	256.10M
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 %	-	-	-	-	-	-	-	-	-	45.0%	17.4%	16.1%	19.6%
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

Insiders

22.90%

Institutions

71.81%

Public Float

93.15%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	T. Rowe Price Investment Management, Inc.	14.03%	6.49M	$246.82M
2	Blackrock Inc.	7.42%	3.43M	$130.55M
3	Barrow, Hanley Mewhinney & Strauss, LLC	3.51%	1.62M	$61.68M
4	Dimensional Fund Advisors LP	3.44%	1.59M	$60.59M
5	Vanguard Capital Management LLC	3.31%	1.53M	$58.29M
6	State Street Corporation	3.11%	1.44M	$54.66M
7	Gilder Gagnon Howe & Co LLC	2.58%	1.19M	$45.37M
8	SouthernSun Asset Management, LLC	2.23%	1.03M	$39.31M
9	Vanguard Portfolio Management LLC	1.96%	908.15K	$34.54M
10	Geode Capital Management, LLC	1.85%	853.96K	$32.48M

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