LOB

+ Watchlist + Portfolio

Live Oak Bancshares, Inc.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $40.89
52-Week Range: $29.36 – $44.53
Market Cap: $1.89B
P/E (TTM): 14.24
EPS (TTM): 2.86
Dividend Yield: 0.29%

Advanced Metrics

Price/Book: 1.55
PEG Ratio: —
Return on Equity: 11.68%
Return on Assets: 0.93%
Gross Margin: 0.00%
Operating Margin: 38.83%
Profit Margin: 26.51%
Current Ratio: —
Debt/Equity: —
Total Debt: $99.77M
Free Cash Flow: —
Revenue Growth: 12.20%
Earnings Growth: 45.10%
Enterprise Value: $1.16B

LOB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$391.86M	$425.85M	$481.69M	$541.23M
Selling, General & Admin	$191.12M	$198.32M	$196.69M	$216.33M
Pretax Income	$210.32M	$82.83M	$89.23M	$142.81M
Income Tax	$34.12M	$8.93M	$11.82M	$37.17M
Net Income	$176.21M	$73.90M	$77.47M	$105.87M
Diluted EPS	3.92	1.64	1.69	2.23
Diluted Shares	44.91M	45.09M	45.82M	46.04M

LOB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$284.24M	$582.79M	$609.05M	$865.15M
Total Assets	$9.86B	$11.27B	$12.94B	$15.13B
Long-Term Debt	$33.20M	$23.35M	$112.82M	$102.40M
Total Debt	$83.20M	$23.35M	$112.82M	$102.40M
Total Liabilities	$9.04B	$10.37B	$11.94B	$13.88B
Retained Earnings	$572.50M	$642.82M	$715.77M	$809.88M
Shareholders' Equity	$811.03M	$902.67M	$999.03M	$1.25B

LOB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$300.74M	$184.90M	$156.78M	$158.24M
Capital Expenditure	-$43.75M	-$46.84M	-$49.31M	-$14.76M
Free Cash Flow	-$344.50M	$138.06M	$107.47M	$143.49M
Depreciation & Amortisation	$20.78M	$21.27M	$23.28M	$30.40M
Stock-Based Compensation	$20.35M	$17.88M	$26.20M	$26.21M
Investing Cash Flow	-$1.02B	-$1.34B	-$1.70B	-$1.90B
Financing Cash Flow	$1.53B	$1.32B	$1.57B	$2.00B
Dividends Paid	-$5.27M	-$5.33M	-$5.41M	-$8.54M
Share Repurchases	$0.00	$0.00	—	—
Net Change in Cash	$212.89M	$165.90M	$26.26M	$256.10M

LOB Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$120.56M	$142.00M	$142.46M	$133.00M	$140.37M
Selling, General & Admin	$52.74M	$57.10M	$58.30M	$45.70M	$56.81M
Pretax Income	$13.13M	$31.20M	$36.57M	$61.91M	$40.08M
Income Tax	$3.46M	$7.82M	$10.11M	$15.79M	$10.13M
Net Income	$9.72M	$23.43M	$26.52M	$46.21M	$30.04M
Diluted EPS	0.21	0.51	0.55	0.95	0.60
Diluted Shares	45.75M	45.80M	46.22M	46.30M	46.51M

LOB Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$744.51M	$663.00M	$892.70M	$865.15M	$816.38M
Total Assets	$13.60B	$13.83B	$14.67B	$15.13B	$15.30B
Long-Term Debt	$110.25M	$107.66M	$105.05M	$102.40M	$99.75M
Total Debt	$110.25M	$107.66M	$105.05M	$102.40M	$99.75M
Total Liabilities	$12.56B	$12.76B	$13.46B	$13.88B	$14.02B
Retained Earnings	$724.22M	$746.45M	$770.82M	$809.88M	$836.44M
Shareholders' Equity	$1.03B	$1.06B	$1.20B	$1.25B	$1.28B

LOB Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$29.77M	$342.91M	-$234.59M	$79.69M	$87.38M
Capital Expenditure	-$2.29M	-$1.43M	-$1.74M	-$9.30M	-$2.05M
Free Cash Flow	-$32.06M	$341.49M	-$236.33M	$70.39M	$85.34M
Depreciation & Amortisation	$6.97M	$6.78M	$6.67M	$9.97M	$6.94M
Stock-Based Compensation	$6.67M	$6.95M	$5.90M	$6.70M	$6.88M
Investing Cash Flow	-$464.52M	-$619.80M	-$322.40M	-$497.46M	-$273.40M
Financing Cash Flow	$629.75M	$195.38M	$786.69M	$390.23M	$137.25M
Dividends Paid	-$1.37M	-$1.37M	-$2.33M	-$3.47M	-$3.48M
Net Change in Cash	$135.46M	-$81.51M	$229.69M	-$27.54M	-$48.77M

Market Snapshot

About

Live Oak Bancshares, Inc. is a financial holding company operating through its wholly-owned subsidiary, Live Oak Banking Company. The bank specializes in providing lending and deposit services to small businesses across various industries including veterinary, funeral home services, investment advisory, and healthcare practices. Live Oak is known for its technology-enabled approach to banking, offering online account opening and digital banking services. The company is also a significant Small Business Administration (SBA) lender, helping entrepreneurs access government-guaranteed financing.