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Live Oak Bancshares(NYSE) LOB

Market Cap$1.86BMarket 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)+119%
5 Year-34%
1 Year+4%
1 Month-6%
Premium Feature
Moneyball Superscore
60/100
$40.14
+0.40%
+0.16Today
After hours$40.15+$0.01 (+0.03%)
Live Oak Bancshares last closing stock price
MetricPriceDate
Last closeUSD 40.132026-08-28
Live Oak Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.07%USD 40.982026-08-21
1 month-6.04%USD 42.712026-07-29
3 month+5.61%USD 38.002026-05-29
Year to date+17.02%USD 34.292025-12-31
1 year+3.99%USD 38.592025-08-28
3 year+23.98%USD 32.372023-08-29
5 year-34.23%USD 61.012021-08-27
Since inception+119.33%USD 18.232015-07-23

Live Oak Bancshares Financials at a Glance

Market Cap

$1.86BMarket 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)

$1.08B

Net Income (TTM)

$137.47M

EPS (TTM)

$2.85

P/E Ratio

14.09

Dividend

$0.12

Beta (Volatility)

1.42 (Average)

Price

$40.14

Volume

178,366.916

Open

$40.15

Previous Close

$40.13

Daily Range

$39.66 - $40.37

52-Week Range

$29.36 - $44.53

Estimated Earnings Date

Oct 28, 2026

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About Live Oak Bancshares

Live Oak Bancshares helps small businesses get loans. It uses technology to make banking faster for entrepreneurs. The bank works with government programs to support local projects.

Lending for the Little Guy

  • Small Business Lending: Focuses on loans partially guaranteed by the Small Business Administration (SBA) and the U.S. Department of Agriculture (USDA).
  • Commercial Banking: Offers financing for construction, land development, and multifamily properties across the United States.
  • Deposit Services: Gathers funds through internet-based savings, money market accounts, and certificates of deposit.
  • Wealth Management: Provides strategic investment services to affluent families through a specialized subsidiary called Live Oak Private Wealth.
  • Fintech Ventures: Invests in emerging financial technology companies to improve digital services and loan processing.

Where the Bank Is Growing

  • Consolidated its investment in Synply during the fourth quarter of 2024 to simplify sharing loans with other banks.
  • Sold its interest in Apiture in the fourth quarter of 2025 to focus on core operations.
  • Increased the held for investment loan portfolio by 15.8% between June 30, 2025, and June 30, 2026.
  • Purchased tax credits in the second quarter of 2026 to improve net income performance.

A Bank Without Any Branches

Live Oak Bancshares operates as a branchless bank that collects deposits nationwide through a digital platform. This low-overhead model allows the company to offer interest rates that typically exceed the industry average.

Performance by the Numbers

  • Net interest income (the difference between interest earned and interest paid) was $125.3 million in the second quarter of 2026.
  • Total assets hit $16.04 billion on June 30, 2026, up 6.0% from the end of 2025.
  • Total deposits reached $14.55 billion at June 30, 2026, up 6.3% since December 31, 2025.
  • Market capitalization reached $1.9 billion in the second quarter of 2026, up 38.9% year over year.

Bottom Line

Live Oak Bancshares has evolved from a startup lender into a specialized national bank using high-tech tools. Its focus on government-guaranteed loans and digital efficiency supports its growth in the small business sector.

AI Generated • Aug 5, 2026

Industry

Banks

Employees

1,027

CEO

Chip Mahan, III

Headquarters

Wilmington, NC 28403, US

LOB Financials

Key Financial Metrics (TTM)

Gross Margin

50.46%

Operating Margin

18.75%

Net Income Margin

12.73%

Return on Equity

10.91%

Return on Capital

11.90%

Return on Assets

0.86%

Earnings Yield

7.10%

Dividend Yield

0.30%

Payout Ratio

9.28%

Stock Overview

Market Cap

$1.86BMarket 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

46.28M

Volume

178.37K

Avg. Volume

255.36K

Financials (TTM)

Gross Profit

$545.11M

Operating Income

$202.55M

EBITDA

$226.11M

Operating Cash Flow

-$36.33M

Capital Expenditure

-$15.89M

Free Cash Flow

-$52.23M

Cash & ST Invst.

$927.63M

Total Debt

$99.77M

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%
Q22026-06-304.8%
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%
Q22026-06-3023.3%

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

$272.47M

+6.0%

Gross Profit

$130.29M

+9.7%

Gross Margin

47.82%

N/A

Market Cap

$1.86BMarket 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

$1.81M

N/A

Employees

1,027

N/A

Net Income

$36.80M

+57.1%

EBITDA

$52.09M

+37.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$927.63M

-33.3%

Total Debt

$99.77M

-7.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$99.77M

-7.3%

Short Term Debt

$0.00

N/A

Return on Assets

0.86%

N/A

Return on Invested Capital

1.26%

N/A

Free Cash Flow

$28.38M

-86.3%

Operating Cash Flow

$31.19M

-85.0%

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Questions About LOB

What is the current price of Live Oak Bancshares?

Live Oak Bancshares is trading at $40.13 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 $44.53.

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 0.30%.

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