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Live Oak Bancshares(NYSE) LOB

Current Price$41.68
Market Cap$1.90BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2015)+125%
5 Year-31%
1 Year+29%
1 Month+6%
Live Oak Bancshares last closing stock price
MetricPriceDate
Last closeUSD 41.052026-07-22
Live Oak Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.7%USD 42.192026-07-15
1 month+6.37%USD 38.592026-06-22
3 month+9.61%USD 37.452026-04-23
Year to date+19.7%USD 34.292025-12-31
1 year+28.67%USD 31.902025-07-22
3 year+37%USD 29.962023-07-21
5 year-30.83%USD 59.352021-07-23
Since inception+125.2%USD 18.232015-07-23

Live Oak Bancshares Financials at a Glance

Market Cap

$1.90BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$807.78M

Net Income (TTM)

$100.67M

EPS (TTM)

$2.62

P/E Ratio

15.69

Dividend

$0.12

Beta (Volatility)

1.44 (Average)

Price

$41.68

Volume

5,951

Open

$41.45

Previous Close

$41.05

Daily Range

$40.27 - $41.99

52-Week Range

$29.36 - $43.85

Estimated Earnings Date

Oct 28, 2026

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About Live Oak Bancshares

Live Oak helps small business owners get funding to grow. It offers loans and savings accounts through a digital website. The company serves specific industries to meet unique customer needs.

Banking Without the Branches

  • Small Business Loans: Provides financing through programs like the Small Business Administration (SBA) and the United States Department of Agriculture (USDA).
  • Deposit Services: Offers checking, savings, and money market accounts for individuals and small business owners.
  • Specialized Financing: Delivers loans for renewable energy projects and construction and development needs.
  • Wealth Management: Provides investment advisory services for high-net-worth clients through Live Oak Private Wealth, LLC.
  • Consulting Services: Offers technology solutions for loan settlement and securitization, which is the process of pooling loans into investments.

Building a Digital Ecosystem

  • Formed Live Oak Ventures, Inc. in 2016 to invest in emerging financial technology companies.
  • Established Live Oak Private Wealth, LLC in 2018 to provide strategic investment management services.
  • Integrated Live Oak Clean Energy Financing LLC in 2019 to fund renewable energy applications.
  • Created Tiburon Land Holdings, LLC in 2022 to manage property adjacent to its headquarters for employees.

A National Online Strategy

Live Oak operates as a digital bank without traditional branch locations. It uses a cloud-based platform to serve customers across the United States.

Performance by the Numbers

  • Revenue reached $259.9 million in Q1 2026, up 10% from $236.3 million in Q1 2025.
  • Net income hit $30 million in Q1 2026, up 209.1% from $9.7 million in Q1 2025.
  • Operating income rose to $40.1 million in Q1 2026, up 205.2% from the prior year.
  • Total assets reached $15.13 billion as of December 31, 2025, according to regulatory filings.
  • Full-time employee count stood at 1,027 at the end of 2025.

Evolution of a Digital Bank

Live Oak has transitioned from a niche small business lender into a diverse financial services firm. Its branchless, digital model and focus on government-guaranteed loans define its position in the banking sector.

AI Generated • Apr 29, 2026

Industry

Banks

Employees

1,027

CEO

Chip Mahan, III

Headquarters

Wilmington, NC 28403, US

LOB Financials

Key Financial Metrics (TTM)

Gross Margin

51.35%

Operating Margin

19.40%

Net Income Margin

12.46%

Return on Equity

2.10%

Return on Capital

11.90%

Return on Assets

0.67%

Earnings Yield

6.37%

Dividend Yield

0.29%

Payout Ratio

10.58%

Stock Overview

Market Cap

$1.90BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

46.26M

Volume

5.95K

Avg. Volume

255.77K

Financials (TTM)

Gross Profit

$414.82M

Operating Income

$156.73M

EBITDA

$174.02M

Operating Cash Flow

$140.65M

Capital Expenditure

-$14.51M

Free Cash Flow

$126.14M

Cash & ST Invst.

$1.52B

Total Debt

$0.00

Live Oak Bancshares Performance Analysis

Live Oak Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 533,814,00012.6%
20232023-12-31USD 810,510,00051.8%
20242024-12-31USD 932,989,00015.1%
20252025-12-31USD 1,013,594,0008.6%
Live Oak Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-300.5%
Q42025-12-3112.0%
Q12026-03-31-10.2%
Q22026-06-30-100.0%
Live Oak Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.925.9%
20232023-12-31USD 1.64-58.2%
20242024-12-31USD 1.693.2%
20252025-12-31USD 2.2332.1%
Live Oak Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.8%
Q42025-12-3172.7%
Q12026-03-31-36.8%
Q22026-06-30-100.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$0.00

-100.0%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

$1.90BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.85M

N/A

Employees

1,027

N/A

Net Income

$0.00

-100.0%

EBITDA

$0.00

-100.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.52B

+9.2%

Total Debt

$0.00

-100.0%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

0.67%

N/A

Return on Invested Capital

1.04%

N/A

Free Cash Flow

$85.34M

-16.9%

Operating Cash Flow

$87.38M

-16.8%

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Questions About LOB

What is the current price of Live Oak Bancshares?

Live Oak Bancshares is trading at $41.68 per share.

What is the 52-week range for Live Oak Bancshares?

Over the past 52 weeks, Live Oak Bancshares has traded between $29.36 and $43.85.

How much debt does Live Oak Bancshares have?

As of the most recent reporting period, Live Oak Bancshares reported total debt of $99.77M.

How much cash does Live Oak Bancshares have on hand?

Live Oak Bancshares does not have cash on hand data available.

What is Live Oak Bancshares’s dividend yield?

Live Oak Bancshares currently has a dividend yield of 0.29%.

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