Live Oak Bancshares, Inc. (LOB)

NYSE: LOB · Real-Time Price · USD

43.27

-0.07 (-0.16%)

Aug 14, 2026, 4:00 PM EDT - Market closed

Live Oak Bancshares Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	526.38	480.78	391.82	383.34	508.33	438.59
Revenue Growth	35.81%	22.71%	2.21%	-24.59%	15.90%	82.70%
Net Income	132.33	102.82	77.47	73.9	176.21	167
Earnings Per Share	2.86	2.23	1.69	1.64	3.92	3.71
EPS Growth	135.42%	31.95%	3.05%	-58.16%	5.66%	159.44%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	927.88	865.15	609.05	582.79	420.64	208.5
Total Debt	99.77	104.57	115.46	26.53	85.76	320.73
Net Cash (Debt)	828.11	760.59	493.59	556.26	334.88	-112.23
Net Cash Growth	49.12%	54.09%	-11.27%	66.11%	-	-
Net Cash Per Share	17.84	16.52	10.77	12.34	7.46	-2.49

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	253.27	158.24	156.78	184.9	124.49	-119.72
Capital Expenditures	-15.89	-14.76	-49.31	-46.84	-43.75	-3.08
Free Cash Flow	237.37	143.49	107.47	138.06	80.73	-122.8
Free Cash Flow Growth	-	33.51%	-22.15%	71.00%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	25.14%	21.39%	19.77%	19.28%	34.66%	38.08%
FCF Margin	45.10%	29.84%	27.43%	36.01%	15.88%	-28.00%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.120	0.120	0.120	0.120	0.120	0.120
Dividend Per Share Growth	0%	0%	0%	0%	0%	0%
Dividend Yield	0.28%	0.35%	0.30%	0.27%	0.40%	0.14%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 15, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.15	15.32	23.07	27.39	7.54	22.69
Forward PE	12.18	12.17	16.39	20.11	14.28	31.71
P/FCF Ratio	8.44	10.98	16.63	14.66	16.45	-
PS Ratio	3.80	3.28	4.56	5.28	2.61	8.64