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LOB NYSE US

Live Oak Bancshares, Inc. Common Stock

Financials · Banking Website · IPO Jul 2015
$36.32
▼ $-0.31 (-0.83%)
Vol 16K
Mkt Cap
$1.7B
P/E
15.6
ROE
9.3%
Margin
13.5%
Beta
1.98
Div Yield
0.33%
52W
$23–$43

Wall Street Consensus

9 analysts · Apr 2026
1
Strong Buy
4
Buy
4
Hold
0
Sell
0
Strong Sell
55.6%
Buy Rating

Price Chart

Earnings

Beat rate: 0.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $0.96 $0.95 $-0.01
Sep 2025 $0.60 $0.55 $-0.05
Jun 2025 $0.54 $0.51 $-0.03
Mar 2025 $0.35 $0.21 $-0.14

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue $124.8M $123.8M $142.0M $142.5M $133.0M
Net Income $9.9M $9.7M $23.4M $26.5M $46.2M

Key Ratios

ROA (TTM)
0.7%
P/S (TTM)
3.29
P/B
1.3
EPS (TTM)
$2.30
CF/Share
$1.76
Rev Growth 3Y
+24.9%
52W High
$42.89
52W Low
$22.68
$22.68 52-Week Range $42.89

Financial Health

Free Cash Flow
$70.4M
Net Debt
-$762.8M
Cash
$865.2M
Total Debt
$102.4M
As of Dec 31, 2025

How does LOB compare to Banking peers?

Peer group: Peers · Banking (Peers) · 10 companies

LOB valuation vs Banking peers

P/E ratio
15.6
8% above peers (14.5)
vs Peers
vs Industry
Overvalued
P/S ratio
3.3
15% above peers (2.9)
vs Peers
vs Industry
Overvalued
P/B ratio
1.3
6% above peers (1.2)
vs Peers
vs Industry
Fair value
Div yield
0.3%
89% below peers (2.9%)
vs Peers
vs Industry
Low yield

LOB profitability vs Banking peers

ROE
9.3%
7% above peers (8.7%)
vs Peers
vs Industry
In line
Net margin
13.5%
45% below peers (24.5%)
vs Peers
vs Industry
Weak
Gross margin
vs Peers
vs Industry
Weak
ROA
0.7%
29% below peers (1.0%)
vs Peers
vs Industry
Weak

LOB financial health vs Banking peers

D/E ratio
0% below peers (14.1)
vs Peers
vs Industry
In line
Current ratio
vs Peers
vs Industry
Low liquidity
Beta
2.0
154% above peers (0.8)
vs Peers
vs Industry
More volatile

LOB fundamentals radar

LOB Peer median Industry

LOB profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

LOB vs peers: key metrics

Dividends

$0.12
/ year
Mar 05, 2026 $0.0300
Dec 02, 2025 $0.0300
Sep 02, 2025 $0.0300
Jun 03, 2025 $0.0300
Feb 25, 2025 $0.0300
Dec 02, 2024 $0.0300
Sep 03, 2024 $0.0300
Jun 04, 2024 $0.0300