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.
 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 HistoryEnterprise 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 | 
 Full Income StatementBalance 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 SheetMargins
  | 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 DetailsAnalyst 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 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 | 2 |