Live Oak Bancshares, Inc. (LOB)

NYSE: LOB · Real-Time Price · USD

42.08

-0.57 (-1.34%)

At close: Jul 24, 2026, 4:00 PM EDT

41.25

-0.83 (-1.97%)

After-hours: Jul 24, 2026, 7:34 PM EDT

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	519.59	481.51	392.35	397.98	524.55	441.78
Revenue Growth	28.85%	22.73%	-1.42%	-24.13%	18.74%	84.02%
Net Income	132.33	102.82	77.47	73.9	176.21	167
Earnings Per Share	2.84	2.23	1.69	1.64	3.92	3.71
EPS Growth	132.79%	31.95%	3.05%	-58.16%	5.66%	159.44%

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 & Equivalents	927.88	865.15	609.05	582.79	420.64	208.5
Total Debt	0	0	0	0	0	0
Net Cash (Debt)	-0	-0	-0	-0	-0	-0
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-	-	-	-	-	-

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	140.65	158.24	156.78	184.9	-300.74	-119.72
Capital Expenditures	-14.51	-14.76	-49.31	-46.84	-43.75	-3.08
Free Cash Flow	126.14	143.49	107.47	138.06	-344.5	-122.8
Free Cash Flow Growth	-52.38%	33.51%	-22.15%	-	-	-

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
Pretax Margin	35.49%	29.66%	22.74%	20.81%	40.10%	47.71%
Profit Margin	26.80%	21.94%	19.73%	18.57%	33.59%	37.80%
FCF Margin	0.00%	29.80%	27.39%	34.69%	-65.67%	-27.80%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 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	0.29%	0.35%	0.30%	0.26%	0.40%	0.14%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 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	14.73	15.40	23.40	27.74	7.70	23.53
Forward PE	11.87	12.17	16.39	20.11	14.28	31.71
P/FCF Ratio	-	11.02	16.69	14.70	-	-
PS Ratio	3.70	3.28	4.57	5.10	2.54	8.62