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Live Oak Bancshares (LOB)
NYSE:LOB
Total Valuation
Live Oak Bancshares has a market cap or net worth of $1.77B. The enterprise value is $813.99M.
Market Cap$1.77B
Enterprise Value$813.99M
Share Statistics
Live Oak Bancshares has 45,731,300 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding45,731,300
Owned by Insiders16.70%
Owned by Institutions32.71%
Financial Efficiency
Live Oak Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 6.54%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.54%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee921.91K
Profits Per Employee76.80K
Employee Count1,008
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Live Oak Bancshares is 31.7. Live Oak Bancshares’s PEG ratio is ―.
PE Ratio31.7
PS Ratio―
PB Ratio―
Price to Fair Value1.78
Price to FCF―
Price to Operating Cash Flow2.62
PEG Ratio―
Income Statement
In the last 12 months, Live Oak Bancshares had revenue of 929.29M and earned 77.47M in profits. Earnings per share was 1.72.
Revenue929.29M
Gross Profit396.61M
Operating Income89.23M
Pretax Income89.23M
Net Income77.47M
EBITDA112.52M
Earnings Per Share (EPS)1.72
Cash Flow
In the last 12 months, operating cash flow was 550.55M and capital expenditures -29.93M, giving a free cash flow of 520.63M billion.
Operating Cash Flow550.55M
Free Cash Flow520.63M
Free Cash Flow per Share11.38
Dividends & Yields
Live Oak Bancshares pays an annual dividend of $0.03, resulting in a dividend yield of 0.31%
Dividend Per Share$0.03
Dividend Yield0.31%
Payout Ratio12.30%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.27
52-Week Price Change-8.79%
50-Day Moving Average32.75
200-Day Moving Average33.29
Relative Strength Index (RSI)77.98
Average Volume (3m)286.76K
Important Dates
Live Oak Bancshares upcoming earnings date is Oct 22, 2025, After Close (Confirmed).
Last Earnings DateJul 23, 2025
Next Earnings DateOct 22, 2025
Ex-Dividend DateSep 02, 2025
Financial Position
Live Oak Bancshares as a current ratio of 0.05, with Debt / Equity ratio of 10.13%
Current Ratio0.05
Quick Ratio0.05
Debt to Market Cap0.06
Net Debt to EBITDA-4.41
Interest Coverage Ratio0.20
Taxes
In the past 12 months, Live Oak Bancshares has paid 11.82M in taxes.
Income Tax11.82M
Effective Tax Rate0.13
Enterprise Valuation
Live Oak Bancshares EV to EBITDA ratio is 11.41, with an EV/FCF ratio of 2.64.
EV to Sales1.38
EV to EBITDA11.41
EV to Free Cash Flow2.64
EV to Operating Cash Flow2.39
Balance Sheet
Live Oak Bancshares has $1.45B in cash and marketable securities with $110.25M in debt, giving a net cash position of -$1.34B billion.
Cash & Marketable Securities$1.45B
Total Debt$110.25M
Net Cash-$1.34B
Net Cash Per Share-$29.21
Tangible Book Value Per Share$21.56
Margins
Gross margin is 40.82%, with operating margin of 9.60%, and net profit margin of 8.34%.
Gross Margin40.82%
Operating Margin9.60%
Pretax Margin9.60%
Net Profit Margin8.34%
EBITDA Margin12.11%
EBIT Margin9.60%
Analyst Forecast
The average price target for Live Oak Bancshares is $43.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$43.00
Price Target Upside11.14% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast10.13%
EPS Growth Forecast-50.08%