Education
About Us
Working with TipRanks
Follow Us
Live Oak Bancshares Inc. (LOB)
:LOB
Total Valuation
Live Oak Bancshares has a market cap or net worth of $1.46B. The enterprise value is $940.95M.
Market Cap$1.46B
Enterprise Value$940.95M
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 Insiders16.79%
Owned by Institutions28.99%
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 21.4. Live Oak Bancshares’s PEG ratio is 7.67.
PE Ratio21.4
PS Ratio1.92
PB Ratio1.78
Price to Fair Value1.78
Price to FCF3.65
Price to Operating Cash Flow8.63
PEG Ratio7.67
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 170.69M and capital expenditures -4.02M, giving a free cash flow of 166.67M billion.
Operating Cash Flow170.69M
Free Cash Flow166.67M
Free Cash Flow per Share3.64
Dividends & Yields
Live Oak Bancshares pays an annual dividend of $0.03, resulting in a dividend yield of 0.4%
Dividend Per Share$0.03
Dividend Yield0.4%
Payout Ratio8.05%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.09
52-Week Price Change-32.00%
50-Day Moving Average33.40
200-Day Moving Average31.03
Relative Strength Index (RSI)50.18
Average Volume (3m)257.19K
Important Dates
Live Oak Bancshares upcoming earnings date is Jan 28, 2026, After Close (Confirmed).
Last Earnings DateOct 22, 2025
Next Earnings DateJan 28, 2026
Ex-Dividend DateSep 02, 2025
Financial Position
Live Oak Bancshares as a current ratio of 0.05, with Debt / Equity ratio of 8.77%
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 $2.27B in cash and marketable securities with $105.05M in debt, giving a net cash position of $2.16B billion.
Cash & Marketable Securities$2.27B
Total Debt$105.05M
Net Cash$2.16B
Net Cash Per Share$47.25
Tangible Book Value Per Share$22.29
Margins
Gross margin is 31.59%, with operating margin of 9.60%, and net profit margin of 8.34%.
Gross Margin31.59%
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 $42.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$42.50
Price Target Upside33.15% Upside
Analyst ConsensusModerate Buy
Analyst Count4
Revenue Growth Forecast10.41%
EPS Growth Forecast-19.43%