Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 10, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Cap	1,621	1,794	2,030	1,331	3,808	2,015
Market Cap Growth	-25.97%	-11.63%	52.56%	-65.05%	88.98%	162.88%
Enterprise Value	1,095	1,798	2,030	1,331	3,808	2,015
Last Close Price	35.45	39.55	45.50	30.20	87.29	47.46
PE Ratio	29.21	23.40	27.74	7.70	23.53	33.19
Forward PE	13.36	16.39	20.11	14.28	31.71	22.05
PEG Ratio	0.29	-	-	-	-	-
PS Ratio	4.01	4.45	5.00	2.54	8.62	8.39
PB Ratio	1.54	1.80	2.25	1.64	5.32	3.55
P/TBV Ratio	1.53	1.81	2.27	1.67	5.50	3.49
P/FCF Ratio	2.50	3.68	3.54	16.48	-31.01	-7.15
P/OCF Ratio	2.44	3.34	3.27	10.69	-31.80	-7.72
EV/Sales Ratio	2.70	4.46	5.00	2.54	8.62	8.39
EV/EBITDA Ratio	-	79.71	95.40	54.99	136.83	80.44
EV/FCF Ratio	1.66	3.69	3.54	16.48	-31.01	-7.15
Asset Turnover	0.03	0.03	0.04	0.06	0.05	0.04
Return on Equity (ROE)	5.40%	8.12%	8.62%	23.09%	26.03%	10.82%
Earnings Yield	3.40%	4.27%	3.60%	12.98%	4.25%	3.01%
FCF Yield	40.04%	27.16%	28.24%	6.07%	-3.23%	-14.00%
Dividend Yield	0.34%	0.30%	0.26%	0.40%	0.14%	0.25%
Payout Ratio	9.89%	6.98%	7.21%	2.99%	3.11%	8.24%
Buyback Yield / Dilution	0.48%	0.29%	0.20%	0.13%	0.40%	2.27%
Total Shareholder Return	0.82%	0.59%	0.47%	0.53%	0.54%	2.52%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q