Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Statistics

Total Valuation

LOB has a market cap or net worth of $1.43 billion. The enterprise value is $661.85 million.

Market Cap	1.43B
Enterprise Value	661.85M

Important Dates

The last earnings date was Wednesday, October 22, 2025, after market close.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

LOB has 45.86 million shares outstanding. The number of shares has increased by 0.88% in one year.

Current Share Class	45.86M
Shares Outstanding	45.86M
Shares Change (YoY)	+0.88%
Shares Change (QoQ)	+0.92%
Owned by Insiders (%)	23.62%
Owned by Institutions (%)	68.05%
Float	35.02M

Valuation Ratios

The trailing PE ratio is 21.20 and the forward PE ratio is 11.37. LOB's PEG ratio is 0.24.

PE Ratio	21.20
Forward PE	11.37
PS Ratio	3.31
Forward PS	2.35
PB Ratio	1.32
P/TBV Ratio	1.32
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.24

Enterprise Valuation

EV / Earnings	9.65
EV / Sales	1.52
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.28%.

Return on Equity (ROE)	6.28%
Return on Assets (ROA)	0.51%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$423,619
Profits Per Employee	$66,934
Employee Count	1,025
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LOB has paid $24.77 million in taxes.

Income Tax	24.77M
Effective Tax Rate	26.31%

Stock Price Statistics

The stock price has decreased by -20.66% in the last 52 weeks. The beta is 1.82, so LOB's price volatility has been higher than the market average.

Beta (5Y)	1.82
52-Week Price Change	-20.66%
50-Day Moving Average	35.86
200-Day Moving Average	31.60
Relative Strength Index (RSI)	34.23
Average Volume (20 Days)	274,307

Short Selling Information

The latest short interest is 2.10 million, so 4.57% of the outstanding shares have been sold short.

Short Interest	2.10M
Short Previous Month	2.32M
Short % of Shares Out	4.57%
Short % of Float	5.98%
Short Ratio (days to cover)	5.74

Income Statement

In the last 12 months, LOB had revenue of $434.21 million and earned $68.61 million in profits. Earnings per share was $1.49.

Revenue	434.21M
Gross Profit	434.21M
Operating Income	107.93M
Pretax Income	94.14M
Net Income	68.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.49

Balance Sheet

The company has $892.70 million in cash and $105.05 million in debt, giving a net cash position of $787.65 million or $17.18 per share.

Cash & Cash Equivalents	892.70M
Total Debt	105.05M
Net Cash	787.65M
Net Cash Per Share	$17.18
Equity (Book Value)	1.20B
Book Value Per Share	24.03
Working Capital	-12.03B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.86%
Pretax Margin	21.68%
Profit Margin	16.02%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.38%.

Dividend Per Share	$0.12
Dividend Yield	0.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	8.05%
Buyback Yield	-0.88%
Shareholder Yield	-0.50%
Earnings Yield	4.73%
FCF Yield	n/a

Analyst Forecast

The average price target for LOB is $40.00, which is 28.12% higher than the current price. The consensus rating is "Hold".

Price Target	$40.00
Price Target Difference	28.12%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2