Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
31.22
-0.39 (-1.23%)
Oct 31, 2025, 11:08 AM EDT - Market open

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 Cap1.43B
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
Financial Ratio History

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 Count1,025
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.

Revenue434.21M
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
Full Income Statement

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
Full Balance Sheet

Cash Flow

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

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
Dividend Details

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
Stock Forecasts

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