Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.41 billion. The enterprise value is $619.72 million.
Important Dates
The last earnings date was Wednesday, October 22, 2025, after market close.
| Earnings Date | Oct 22, 2025 |
| Ex-Dividend Date | Dec 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 (%) | 23.64% |
| Owned by Institutions (%) | 67.02% |
| Float | 35.02M |
Valuation Ratios
The trailing PE ratio is 20.58 and the forward PE ratio is 11.04. LOB's PEG ratio is 0.23.
| PE Ratio | 20.58 |
| Forward PE | 11.04 |
| PS Ratio | 3.22 |
| Forward PS | 2.17 |
| PB Ratio | 1.28 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 2.82 |
| P/OCF Ratio | 2.77 |
| PEG Ratio | 0.23 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.03 |
| EV / Sales | 1.43 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.24 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.21 |
| 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 -33.31% in the last 52 weeks. The beta is 2.06, so LOB's price volatility has been higher than the market average.
| Beta (5Y) | 2.06 |
| 52-Week Price Change | -33.31% |
| 50-Day Moving Average | 33.79 |
| 200-Day Moving Average | 31.13 |
| Relative Strength Index (RSI) | 41.85 |
| Average Volume (20 Days) | 252,012 |
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) | 6.08 |
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 | -11.94B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $507.91 million and capital expenditures -$9.47 million, giving a free cash flow of $498.44 million.
| Operating Cash Flow | 507.91M |
| Capital Expenditures | -9.47M |
| Free Cash Flow | 498.44M |
| FCF Per Share | $10.87 |
Full Cash Flow StatementMargins
| 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 | 114.79% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.39%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.39% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 8.05% |
| Buyback Yield | -0.88% |
| Shareholder Yield | -0.49% |
| Earnings Yield | 4.87% |
| FCF Yield | 35.42% |
Dividend DetailsAnalyst Forecast
The average price target for LOB is $40.00, which is 30.34% higher than the current price. The consensus rating is "Hold".
| Price Target | $40.00 |
| Price Target Difference | 30.34% |
| 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 | 4 |
