Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Statistics

Total Valuation

LOB has a market cap or net worth of $1.68 billion. The enterprise value is $924.12 million.

Market Cap	1.68B
Enterprise Value	924.12M

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 (%)	22.73%
Owned by Institutions (%)	71.11%
Float	35.72M

Valuation Ratios

The trailing PE ratio is 16.35 and the forward PE ratio is 12.50.

PE Ratio	16.35
Forward PE	12.50
PS Ratio	3.50
Forward PS	2.59
PB Ratio	1.45
P/TBV Ratio	1.46
P/FCF Ratio	n/a
P/OCF Ratio	10.65
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.99
EV / Sales	1.92
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 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)	13.94%
Revenue Per Employee	$467,228
Profits Per Employee	$99,925
Employee Count	1,029
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 +14.59% 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	+14.59%
50-Day Moving Average	38.16
200-Day Moving Average	34.05
Relative Strength Index (RSI)	39.03
Average Volume (20 Days)	293,147

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	5.87%
Short Ratio (days to cover)	4.99

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

Balance 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

Cash Flow

Operating Cash Flow	158.24M
Capital Expenditures	-14.76M
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.33%.

Dividend Per Share	$0.12
Dividend Yield	0.33%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	5.38%
Buyback Yield	-0.49%
Shareholder Yield	-0.16%
Earnings Yield	6.10%
FCF Yield	n/a

Analyst Forecast

The average price target for LOB is $42.75, which is 17.28% higher than the current price. The consensus rating is "Buy".

Price Target	$42.75
Price Target Difference	17.28%
Analyst Consensus	Buy
Analyst Count	4
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	4