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Live Oak Bancshares

(NYSE) LOB

Current Price$31.80
Market Cap$1.47B
Since IPO (2015)+74%
5 Year-50%
1 Year+16%
1 Month-22%

Live Oak Bancshares Financials at a Glance

Market Cap

$1.47B

Revenue (TTM)

$1.04B

Net Income (TTM)

$103.78M

EPS (TTM)

$2.23

P/E Ratio

14.28

Dividend

$0.12

Beta (Volatility)

1.49 (Average)

Price

$31.80

Volume

17,598

Open

$31.62

Previous Close

$31.80

Daily Range

$31.32 - $32.06

52-Week Range

$22.68 - $42.89

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About Live Oak Bancshares

Industry

Banks

Employees

1,027

CEO

Chip Mahan, III

Headquarters

Wilmington, NC 28403, US

LOB Financials

Key Financial Metrics (TTM)

Gross Margin

48%

Operating Margin

15%

Net Income Margin

10%

Return on Equity

9%

Return on Capital

1%

Return on Assets

1%

Earnings Yield

7.00%

Dividend Yield

0.00%

Payout Ratio

7.70%

Stock Overview

Market Cap

$1.47B

Shares Outstanding

46.22M

Volume

17.60K

Short Interest

0.00%

Avg. Volume

332.78K

Financials (TTM)

Gross Profit

$503.00M

Operating Income

$160.98M

EBITDA

$185.09M

Operating Cash Flow

$158.24M

Capital Expenditure

$14.76M

Free Cash Flow

$143.49M

Cash & ST Invst.

$864.90M

Total Debt

$104.56M

Live Oak Bancshares Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$289.44M

+20.6%

Gross Profit

$169.23M

+85.5%

Gross Margin

58.47%

N/A

Market Cap

$1.47B

N/A

Market Cap/Employee

$1.46M

N/A

Employees

1,008

N/A

Net Income

$44.12M

+345.6%

EBITDA

$83.75M

+321.3%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$760.34M

+45.8%

Accounts Receivable

$85.00M

N/A

Inventory

$0.00

N/A

Long Term Debt

$104.02M

-7.8%

Short Term Debt

$542.00K

N/A

Return on Assets

0.69%

N/A

Return on Invested Capital

1.06%

N/A

Free Cash Flow

$70.39M

-57.8%

Operating Cash Flow

$79.69M

-53.3%

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Questions About LOB

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