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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| LOB | -30.44% | -23.38% | -5.19% | +78% |
| S&P | +13.96% | +91.24% | +13.85% | +225% |
Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. It operates through the following segments: Banking, Fintech, and Other. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments into emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2018 and is headquartered in Wilmington, NC.
Live Oak Bancshares' loan production grew robustly in the fourth quarter, but it delivered weaker-than-expected earnings as it boosted its provisions for credit losses.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $263.84M | 9.9% |
| Market Cap | $1.61B | -24.5% |
| Market Cap / Employee | $1.60M | -25.2% |
| Employees | 1K | 1.0% |
| Net Income | $26.47M | 103.2% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $105.05M | -9.0% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.51% | -0.2% |
| Return On Invested Capital | 10.71% | 0.7% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $206.74M | 210.1% |
| Operating Free Cash Flow | $208.17M | 148.2% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 23.34 | 20.47 | 24.39 | 23.66 | -8.24% |
| Price to Book | 1.77 | 1.21 | 1.32 | 1.51 | -31.75% |
| Price to Sales | 1.93 | 1.27 | 1.38 | 1.61 | -32.28% |
| Price to Tangible Book Value | 1.77 | 1.21 | 1.32 | 1.51 | -31.75% |
| Price to Free Cash Flow TTM | 4.69 | 3.79 | 2.37 | 2.08 | -44.44% |
| Free Cash Flow Yield | 21.3% | 26.4% | 42.2% | 48.0% | 79.99% |
| Return on Equity | 8.1% | 6.1% | 5.5% | 6.3% | -30.03% |
| Total Debt | $115.46M | $110.25M | $107.66M | $105.05M | -8.95% |
Chip Mahan, CEO of Live Oak Bancshares, helps sort through the noise.
What's going on in this sector?
Live Oak Bank’s president talks about small-business lending, niches, sustainability, and more.
LOB earnings call for the period ending December 31, 2024.
LOB earnings call for the period ending September 30, 2024.
LOB earnings call for the period ending June 30, 2024.
LOB earnings call for the period ending March 31, 2024.
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