Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.51 billion. The enterprise value is $771.13 million.
Important Dates
The next estimated earnings date is Wednesday, April 22, 2026, after market close.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | Mar 5, 2026 |
Share Statistics
LOB has 46.22 million shares outstanding. The number of shares has increased by 0.49% in one year.
| Current Share Class | 46.22M |
| Shares Outstanding | 46.22M |
| Shares Change (YoY) | +0.49% |
| Shares Change (QoQ) | +0.18% |
| Owned by Insiders (%) | 22.67% |
| Owned by Institutions (%) | 71.12% |
| Float | 35.74M |
Valuation Ratios
The trailing PE ratio is 14.81 and the forward PE ratio is 11.04.
| PE Ratio | 14.81 |
| Forward PE | 11.04 |
| PS Ratio | 3.19 |
| Forward PS | 2.35 |
| PB Ratio | 1.31 |
| P/TBV Ratio | 1.33 |
| P/FCF Ratio | 10.68 |
| P/OCF Ratio | 9.68 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 7.50 |
| EV / Sales | 1.60 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 5.37 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.73 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.36%.
| Return on Equity (ROE) | 9.36% |
| Return on Assets (ROA) | 0.75% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 13.86% |
| Revenue Per Employee | $462,287 |
| Profits Per Employee | $98,868 |
| Employee Count | 1,040 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $37.17 million in taxes.
| Income Tax | 37.17M |
| Effective Tax Rate | 26.03% |
Stock Price Statistics
The stock price has increased by +20.12% in the last 52 weeks. The beta is 1.92, so LOB's price volatility has been higher than the market average.
| Beta (5Y) | 1.92 |
| 52-Week Price Change | +20.12% |
| 50-Day Moving Average | 37.36 |
| 200-Day Moving Average | 34.46 |
| Relative Strength Index (RSI) | 36.14 |
| Average Volume (20 Days) | 289,881 |
Short Selling Information
The latest short interest is 2.10 million, so 4.53% of the outstanding shares have been sold short.
| Short Interest | 2.10M |
| Short Previous Month | 2.32M |
| Short % of Shares Out | 4.53% |
| Short % of Float | 5.86% |
| Short Ratio (days to cover) | 5.67 |
Income Statement
In the last 12 months, LOB had revenue of $480.78 million and earned $102.82 million in profits. Earnings per share was $2.23.
| Revenue | 480.78M |
| Gross Profit | 480.78M |
| Operating Income | 160.29M |
| Pretax Income | 142.82M |
| Net Income | 102.82M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.23 |
Full Income StatementBalance Sheet
The company has $865.15 million in cash and $104.57 million in debt, with a net cash position of $760.59 million or $16.46 per share.
| Cash & Cash Equivalents | 865.15M |
| Total Debt | 104.57M |
| Net Cash | 760.59M |
| Net Cash Per Share | $16.46 |
| Equity (Book Value) | 1.25B |
| Book Value Per Share | 25.06 |
| Working Capital | -12.31B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $158.24 million and capital expenditures -$14.76 million, giving a free cash flow of $143.49 million.
| Operating Cash Flow | 158.24M |
| Capital Expenditures | -14.76M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -10.42M |
| Free Cash Flow | 143.49M |
| FCF Per Share | $3.10 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 33.34% |
| Pretax Margin | 29.70% |
| Profit Margin | 22.02% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 29.84% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.36%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.36% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 5.38% |
| Buyback Yield | -0.49% |
| Shareholder Yield | -0.12% |
| Earnings Yield | 6.71% |
| FCF Yield | 9.37% |
Dividend DetailsAnalyst Forecast
The average price target for LOB is $42.75, which is 31.12% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.75 |
| Price Target Difference | 31.12% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
