LOB
Live Oak Bancshares, Inc.
Price Chart
Latest Quote
$40.30
+0.42 (+1.05%)
Current Price
| Previous Close | $39.88 |
| Open | $39.99 |
| Day High | $40.75 |
| Day Low | $40.00 |
| Volume | 392,005 |
Stock Information
| Quarterly Dividend / Yield | $0.12 / 0.30% |
| Shares Outstanding | 46.26M |
| Quarterly Dividend Yield | 0.30% |
| Quarterly Dividend | $0.12 |
| Total Debt | $99.75M |
| Cash Equivalents | $816.39M |
| Revenue | $512.21M |
| Net Income | $121.05M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.86B |
| P/E Ratio | 15.38 |
| EPS (TTM) | $2.62 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.25B |
| Sales | $512.21M |
| Income | $121.05M |
| Book/sh | $25.55 |
| Cash/sh | $17.65 |
| Employees | 1K |
Financial Ratios
| EPS Growth TTM | 209.10% |
Returns & Margins
| ROA | 0.87% |
| ROE | 10.89% |
| Operating Margin | 35.48% |
| Profit Margin | 24.64% |
Ownership
| Insider Ownership | 22.82% |
| Institutional Ownership | 71.86% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.76 |
| P/S | 3.64 |
| P/B | 1.58 |
Analyst Data
| Recommendation | none |
| Target Price | $42.75 |
Technical Indicators
| SMA20 | $38.18 |
| SMA50 | $37.48 |
| SMA200 | $35.77 |
| RSI | 76.25 |
| ATR | 1.0771 |
| Shares Float | 35.96M |
| Short Float | 6.61% |
| Short Ratio | 9.34 |
| Volatility | 1.90 |
| Rel Volume | 1.46 |
Performance History
| Week | +4.30% |
| Month | +8.19% |
| Quarter | +23.15% |
| 6 Months | +10.71% |
| YTD | +16.29% |
| Year | +38.33% |
| 3 Years | +60.29% |
| 5 Years | -29.97% |
| 10 Years | +206.72% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $40.30 | 399,900 |
| 2026-06-23 | $39.88 | 364,900 |
| 2026-06-22 | $38.59 | 259,200 |
| 2026-06-18 | $38.26 | 611,000 |
| 2026-06-17 | $37.99 | 319,400 |
| 2026-06-16 | $38.64 | 322,600 |
| 2026-06-15 | $38.33 | 235,500 |
| 2026-06-12 | $39.03 | 278,600 |
| 2026-06-11 | $38.66 | 223,700 |
| 2026-06-10 | $38.21 | 312,300 |
| 2026-06-09 | $38.63 | 220,800 |
| 2026-06-08 | $37.63 | 139,900 |
| 2026-06-05 | $37.41 | 183,500 |
| 2026-06-04 | $37.58 | 264,000 |
| 2026-06-03 | $36.01 | 285,000 |
| 2026-06-02 | $37.81 | 286,000 |
| 2026-06-01 | $37.33 | 207,200 |
| 2026-05-29 | $38.00 | 205,100 |
| 2026-05-28 | $37.59 | 172,200 |
| 2026-05-27 | $37.69 | 197,500 |
| 2026-05-26 | $37.82 | 229,700 |
About Live Oak Bancshares, Inc.
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.
đ° Latest News
Should Investors Be Nervous Live Oak Bancshares' CEO Sold 20,000 Shares?
Motley Fool âĸ 2026-06-19T16:16:09Z
1 Cash-Heavy Stock on Our Buy List and 2 Facing Challenges
StockStory âĸ 2026-06-18T12:29:28Z
2 Reasons to Sell LOB and 1 Stock to Buy Instead
StockStory âĸ 2026-06-15T20:12:07Z
3 Stocks Estimated To Be Up To 47.8% Below Intrinsic Value
Simply Wall St. âĸ 2026-06-12T17:38:00Z
3 Stocks That Might Be Up To 39.8% Below Their Estimated Intrinsic Value
Simply Wall St. âĸ 2026-06-12T11:38:02Z
3 Stocks That Might Be Priced Below Their Estimated Value In June 2026
Simply Wall St. âĸ 2026-06-11T17:38:15Z
3 Stocks That Investors Might Be Undervaluing Based On Current Market Estimates
Simply Wall St. âĸ 2026-06-11T11:37:59Z
Coastal Financial And 2 Additional Stocks Estimated To Be Priced Below Intrinsic Value
Simply Wall St. âĸ 2026-06-10T17:37:59Z
Live Oak CEO Sells $737,000 in Stock as Shares Climb 35% Over the Past Year
Motley Fool âĸ 2026-06-09T22:12:07Z
Undervalued Stock Opportunities Based On Market Estimates In June 2026
Simply Wall St. âĸ 2026-06-09T17:38:32Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $541,225,000 | $481,694,000 | $425,851,000 | $391,858,000 |
| Operating Revenue | $541,225,000 | $481,694,000 | $425,851,000 | $391,858,000 |
| Expenses | ||||
| Interest Expense | $460,114,000 | $436,467,000 | $342,970,000 | $116,972,000 |
| Selling And Marketing Expense | $12,222,000 | $11,148,000 | $12,559,000 | $10,543,000 |
| General And Administrative Expense | $204,107,000 | $185,542,000 | $185,762,000 | $180,578,000 |
| Professional Expense And Contract Services Expense | $10,752,000 | $11,023,000 | $7,737,000 | $11,737,000 |
| Other Non Interest Expense | $68,224,000 | $53,787,000 | $56,159,000 | $55,775,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $105,871,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Net Interest Income | $448,358,000 | $375,905,000 | $345,305,000 | $327,501,000 |
| Interest Income | $908,472,000 | $812,372,000 | $688,275,000 | $444,473,000 |
| Normalized Income | $105,871,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Net Income From Continuing And Discontinued Operation | $105,871,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Net Income Common Stockholders | $102,823,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Net Income | $105,871,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Net Income Including Noncontrolling Interests | $105,643,000 | $77,417,000 | $73,898,000 | $176,208,000 |
| Net Income Continuous Operations | $105,643,000 | $77,417,000 | $73,898,000 | $176,208,000 |
| Pretax Income | $142,815,000 | $89,235,000 | $82,830,000 | $210,324,000 |
| Per Share | ||||
| Diluted EPS | $2.23 | $1.69 | $1.64 | $3.92 |
| Basic EPS | $2.25 | $1.72 | $1.67 | $4.02 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $30,398,000 | $23,282,000 | $21,271,000 | $20,779,000 |
| Diluted Average Shares | $46,042,790 | $45,820,321 | $45,094,879 | $44,906,310 |
| Basic Average Shares | $45,701,364 | $45,009,567 | $44,353,708 | $43,862,291 |
| Diluted NI Availto Com Stockholders | $102,823,000 | $77,474,000 | $73,898,000 | $176,208,000 |
| Preferred Stock Dividends | $3,048,000 | - | - | - |
| Minority Interests | $228,000 | $57,000 | $0 | $0 |
| Tax Provision | $37,172,000 | $11,818,000 | $8,932,000 | $34,116,000 |
| Gain On Sale Of Security | $4,998,000 | $23,000 | $-15,613,000 | $-12,862,000 |
| Selling General And Administration | $216,329,000 | $196,690,000 | $198,321,000 | $191,121,000 |
| Insurance And Claims | $14,672,000 | $10,835,000 | $16,670,000 | $9,756,000 |
| Salaries And Wages | $189,435,000 | $174,707,000 | $169,092,000 | $170,822,000 |
| Occupancy And Equipment | $24,189,000 | $23,826,000 | $23,487,000 | $26,208,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,249,868,000 | $999,030,000 | $902,666,000 | $811,033,000 |
| Total Assets | $15,134,778,000 | $12,943,380,000 | $11,271,423,000 | $9,855,498,000 |
| Cash And Cash Equivalents | $865,154,000 | $609,050,000 | $582,790,000 | $284,239,000 |
| Cash Financial | $864,904,000 | $608,800,000 | $582,540,000 | $280,239,000 |
| Cash Cash Equivalents And Federal Funds Sold | $865,154,000 | $609,050,000 | $582,790,000 | $420,636,000 |
| Debt | ||||
| Total Debt | $102,404,000 | $112,820,000 | $23,354,000 | $83,203,000 |
| Long Term Debt And Capital Lease Obligation | $102,404,000 | $112,820,000 | $23,354,000 | $33,203,000 |
| Long Term Debt | $102,404,000 | $112,820,000 | $23,354,000 | $33,203,000 |
| Current Debt And Capital Lease Obligation | - | - | $0 | $50,000,000 |
| Current Debt | - | - | $0 | $50,000,000 |
| Net Debt | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $13,880,672,000 | $11,939,884,000 | $10,368,757,000 | $9,044,465,000 |
| Equity | ||||
| Common Stock Equity | $1,153,602,000 | $999,030,000 | $902,666,000 | $811,033,000 |
| Preferred Stock Equity | $96,266,000 | - | - | - |
| Total Equity Gross Minority Interest | $1,254,106,000 | $1,003,496,000 | $902,666,000 | $811,033,000 |
| Stockholders Equity | $1,249,868,000 | $999,030,000 | $902,666,000 | $811,033,000 |
| Gains Losses Not Affecting Retained Earnings | $-44,672,000 | $-82,344,000 | $-84,719,000 | $-92,318,000 |
| Other Equity Adjustments | $-44,672,000 | $-82,344,000 | $-84,719,000 | $-92,318,000 |
| Retained Earnings | $809,885,000 | $715,767,000 | $642,817,000 | $572,497,000 |
| Other | ||||
| Ordinary Shares Number | $46,032,402 | $45,359,425 | $44,617,673 | $44,061,244 |
| Share Issued | $46,032,402 | $45,359,425 | $44,617,673 | $44,061,244 |
| Tangible Book Value | $1,153,602,000 | $999,030,000 | $902,666,000 | $811,033,000 |
| Invested Capital | $1,256,006,000 | $1,111,850,000 | $926,020,000 | $894,236,000 |
| Total Capitalization | $1,352,272,000 | $1,111,850,000 | $926,020,000 | $844,236,000 |
| Minority Interest | $4,238,000 | $4,466,000 | $0 | - |
| Capital Stock | $484,655,000 | $365,607,000 | $344,568,000 | $330,854,000 |
| Common Stock | $388,389,000 | $365,607,000 | $344,568,000 | $330,854,000 |
| Preferred Stock | $96,266,000 | $0 | $0 | $0 |
| Investments And Advances | $861,601,000 | $626,803,000 | $1,126,160,000 | $1,014,719,000 |
| Net PPE | $240,203,000 | $264,059,000 | $257,881,000 | $263,290,000 |
| Accumulated Depreciation | $-133,870,000 | $-117,934,000 | $-97,134,000 | $-96,827,000 |
| Gross PPE | $374,073,000 | $381,993,000 | $355,015,000 | $360,117,000 |
| Leases | $7,541,000 | $7,421,000 | $7,678,000 | $7,705,000 |
| Other Properties | $194,510,000 | $205,206,000 | $233,145,000 | $247,123,000 |
| Machinery Furniture Equipment | $57,326,000 | $54,677,000 | $36,235,000 | $29,381,000 |
| Buildings And Improvements | $90,958,000 | $90,990,000 | $54,746,000 | $54,746,000 |
| Land And Improvements | $23,738,000 | $23,699,000 | $23,211,000 | $21,162,000 |
| Other Short Term Investments | $861,601,000 | $626,803,000 | $1,126,160,000 | $1,014,719,000 |
| Available For Sale Securities | - | $1,222,859,000 | - | - |
| Treasury Shares Number | - | - | $0 | - |
| Line Of Credit | - | - | $0 | $50,000,000 |
| Capital Lease Obligations | - | - | - | - |
| Long Term Capital Lease Obligation | - | - | - | - |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $143,486,000 | $107,473,000 | $138,056,000 | $-344,495,000 |
| Operating Activities | ||||
| Operating Cash Flow | $158,242,000 | $156,780,000 | $184,895,000 | $-300,744,000 |
| Cash Flow From Continuing Operating Activities | $158,242,000 | $156,780,000 | $184,895,000 | $-300,744,000 |
| Operating Gains Losses | $-77,432,000 | $-56,733,000 | $-32,344,000 | $-191,864,000 |
| Investing Activities | ||||
| Capital Expenditure | $-14,756,000 | $-49,307,000 | $-46,839,000 | $-43,751,000 |
| Investing Cash Flow | $-1,904,190,000 | $-1,699,413,000 | $-1,339,746,000 | $-1,017,115,000 |
| Cash Flow From Continuing Investing Activities | $-1,904,190,000 | $-1,699,413,000 | $-1,339,746,000 | $-1,017,115,000 |
| Net Other Investing Changes | $9,389,000 | $8,322,000 | - | $1,837,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $96,266,000 | $0 | $0 | - |
| Financing Cash Flow | $2,002,052,000 | $1,568,893,000 | $1,320,755,000 | $1,530,745,000 |
| Cash Flow From Continuing Financing Activities | $2,002,052,000 | $1,568,893,000 | $1,320,755,000 | $1,530,745,000 |
| Net Other Financing Charges | $-7,625,000 | $-4,403,000 | $-6,725,000 | $-4,972,000 |
| Cash Dividends Paid | $-8,535,000 | $-5,405,000 | $-5,326,000 | $-5,266,000 |
| Preferred Stock Dividend Paid | $-3,047,000 | $0 | $0 | - |
| Common Stock Dividend Paid | $-5,488,000 | $-5,405,000 | $-5,326,000 | $-5,266,000 |
| Net Preferred Stock Issuance | $96,266,000 | $0 | $0 | - |
| Preferred Stock Issuance | $96,266,000 | $0 | $0 | - |
| Repurchase Of Capital Stock | - | - | $0 | $0 |
| Net Common Stock Issuance | - | - | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-10,577,000 | $-10,237,000 | $-2,965,920,000 | $-297,182,000 |
| Issuance Of Debt | $161,000 | $99,703,000 | $2,906,071,000 | $62,096,000 |
| Interest Paid Supplemental Data | $460,584,000 | $436,847,000 | $342,766,000 | $117,516,000 |
| Income Tax Paid Supplemental Data | $26,594,000 | $38,907,000 | $5,303,000 | $24,708,000 |
| End Cash Position | $864,904,000 | $608,800,000 | $582,540,000 | $416,636,000 |
| Beginning Cash Position | $608,800,000 | $582,540,000 | $416,636,000 | $203,750,000 |
| Changes In Cash | $256,104,000 | $26,260,000 | $165,904,000 | $212,886,000 |
| Proceeds From Stock Option Exercised | $4,197,000 | $3,760,000 | $2,564,000 | $3,185,000 |
| Net Issuance Payments Of Debt | $-10,416,000 | $89,466,000 | $-59,849,000 | $-235,086,000 |
| Net Long Term Debt Issuance | $-10,416,000 | $89,466,000 | $-59,849,000 | $-235,086,000 |
| Long Term Debt Payments | $-10,577,000 | $-10,237,000 | $-2,965,920,000 | $-297,182,000 |
| Long Term Debt Issuance | $161,000 | $99,703,000 | $2,906,071,000 | $62,096,000 |
| Net Investment Purchase And Sale | $-60,777,000 | $-130,412,000 | $-124,437,000 | $-132,309,000 |
| Sale Of Investment | $250,758,000 | $154,697,000 | $121,757,000 | $310,275,000 |
| Purchase Of Investment | $-311,535,000 | $-285,109,000 | $-246,194,000 | $-442,584,000 |
| Net PPE Purchase And Sale | $-10,395,000 | $-4,666,000 | $-28,151,000 | $-43,751,000 |
| Sale Of PPE | $4,361,000 | $44,641,000 | $18,688,000 | $0 |
| Purchase Of PPE | $-14,756,000 | $-49,307,000 | $-46,839,000 | $-43,751,000 |
| Change In Working Capital | $43,581,000 | $5,730,000 | $39,526,000 | $-22,295,000 |
| Change In Other Current Liabilities | $20,733,000 | $18,014,000 | $3,970,000 | $-6,406,000 |
| Change In Other Current Assets | $22,848,000 | $-12,284,000 | $35,556,000 | $-15,889,000 |
| Other Non Cash Items | $-53,361,000 | $-4,558,000 | $20,609,000 | $-392,367,000 |
| Excess Tax Benefit From Stock Based Compensation | $-942,000 | $1,085,000 | $-1,004,000 | $531,000 |
| Stock Based Compensation | $26,210,000 | $26,205,000 | $17,875,000 | $20,347,000 |
| Asset Impairment Charge | $84,000 | $-249,000 | $1,250,000 | $208,000 |
| Deferred Tax | $-11,633,000 | $-10,890,000 | $-7,517,000 | $43,346,000 |
| Deferred Income Tax | $-11,633,000 | $-10,890,000 | $-7,517,000 | $43,346,000 |
| Depreciation Amortization Depletion | $30,398,000 | $23,282,000 | $21,271,000 | $20,779,000 |
| Depreciation And Amortization | $30,398,000 | $23,282,000 | $21,271,000 | $20,779,000 |
| Earnings Losses From Equity Investments | $-17,387,000 | $10,921,000 | $5,994,000 | $-144,250,000 |
| Gain Loss On Investment Securities | $-5,733,000 | $-553,000 | $969,000 | $-3,355,000 |
| Gain Loss On Sale Of PPE | $3,766,000 | $-8,966,000 | $-4,034,000 | $31,000 |
| Net Income From Continuing Operations | $105,643,000 | $77,417,000 | $73,898,000 | $176,208,000 |
| Common Stock Payments | - | - | $0 | $0 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
| Change In Other Working Capital | - | - | - | $232,000 |
Fetched: 2026-06-21