Live Oak Bancshares (LOB)
NYSE:LOB
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Total Valuation
Live Oak Bancshares has a market cap or net worth of $1.64B. The enterprise value is $928.24M.
Market Cap$1.64B
Enterprise Value$928.24M
Share Statistics
Live Oak Bancshares has 46,262,390 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding46,262,390
Owned by Insiders15.55%
Owned by Institutions35.30%
Financial Efficiency
Live Oak Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 7.17%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)7.17%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee1.03M
Profits Per Employee104.80K
Employee Count1,008
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Live Oak Bancshares is 12.6. Live Oak Bancshares’s PEG ratio is 0.50.
PE Ratio12.6
PS Ratio1.51
PB Ratio1.26
Price to Fair Value1.26
Price to FCF10.99
Price to Operating Cash Flow11.60
PEG Ratio0.50
Income Statement
In the last 12 months, Live Oak Bancshares had revenue of 1.04B and earned 103.78M in profits. Earnings per share was 2.24.
Revenue1.04B
Gross Profit503.00M
Operating Income160.98M
Pretax Income160.98M
Net Income103.78M
EBITDA185.09M
Earnings Per Share (EPS)2.24
Cash Flow
In the last 12 months, operating cash flow was 140.65M and capital expenditures -14.51M, giving a free cash flow of 126.14M billion.
Operating Cash Flow140.65M
Free Cash Flow126.14M
Free Cash Flow per Share2.73
Dividends & Yields
Live Oak Bancshares pays an annual dividend of $0.03, resulting in a dividend yield of 0.33%
Dividend Per Share$0.03
Dividend Yield0.33%
Payout Ratio8.05%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.12
52-Week Price Change26.97%
50-Day Moving Average35.94
200-Day Moving Average34.90
Relative Strength Index (RSI)65.90
Average Volume (3m)309.55K
Important Dates
Live Oak Bancshares upcoming earnings date is Jul 29, 2026, After Close (Confirmed).
Last Earnings DateApr 22, 2026
Next Earnings DateJul 29, 2026
Ex-Dividend Date―
Financial Position
Live Oak Bancshares as a current ratio of 0.13, with Debt / Equity ratio of 7.81%
Current Ratio0.13
Quick Ratio0.13
Debt to Market Cap0.06
Net Debt to EBITDA-4.12
Interest Coverage Ratio0.35
Taxes
In the past 12 months, Live Oak Bancshares has paid 57.35M in taxes.
Income Tax57.35M
Effective Tax Rate0.36
Enterprise Valuation
Live Oak Bancshares EV to EBITDA ratio is 4.40, with an EV/FCF ratio of 5.67.
EV to Sales0.78
EV to EBITDA4.40
EV to Free Cash Flow5.67
EV to Operating Cash Flow5.14
Balance Sheet
Live Oak Bancshares has $2.25B in cash and marketable securities with $99.75M in debt, giving a net cash position of $2.15B billion.
Cash & Marketable Securities$2.25B
Total Debt$99.75M
Net Cash$2.15B
Net Cash Per Share$46.49
Tangible Book Value Per Share$27.32
Margins
Gross margin is 50.11%, with operating margin of 15.46%, and net profit margin of 9.97%.
Gross Margin50.11%
Operating Margin15.46%
Pretax Margin15.46%
Net Profit Margin9.97%
EBITDA Margin17.78%
EBIT Margin15.46%
Analyst Forecast
The average price target for Live Oak Bancshares is $43.33, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$43.33
Price Target Upside15.68% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast8.62%
EPS Growth Forecast99.65%