Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.73 billion. The enterprise value is $906.60 million.
| Market Cap | 1.73B |
| Enterprise Value | 906.60M |
Important Dates
The next estimated earnings date is Wednesday, October 21, 2026, after market close.
| Earnings Date | Oct 21, 2026 |
| Ex-Dividend Date | Sep 1, 2026 |
Share Statistics
LOB has 46.28 million shares outstanding. The number of shares has increased by 1.01% in one year.
| Current Share Class | 46.28M |
| Shares Outstanding | 46.28M |
| Shares Change (YoY) | +1.01% |
| Shares Change (QoQ) | +0.18% |
| Owned by Insiders (%) | 22.05% |
| Owned by Institutions (%) | 71.68% |
| Float | 36.08M |
Valuation Ratios
The trailing PE ratio is 13.12 and the forward PE ratio is 10.39. LOB's PEG ratio is 0.44.
| PE Ratio | 13.12 |
| Forward PE | 10.39 |
| PS Ratio | 3.30 |
| Forward PS | 2.53 |
| PB Ratio | 1.43 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 7.31 |
| P/OCF Ratio | 6.85 |
| PEG Ratio | 0.44 |
Enterprise Valuation
| EV / Earnings | 6.85 |
| EV / Sales | 1.72 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.82 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.42 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.68%.
| Return on Equity (ROE) | 11.68% |
| Return on Assets (ROA) | 0.93% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 13.72% |
| Revenue Per Employee | $506,133 |
| Profits Per Employee | $127,236 |
| Employee Count | 1,040 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $45.14 million in taxes.
| Income Tax | 45.14M |
| Effective Tax Rate | 24.48% |
Stock Price Statistics
The stock price has increased by +4.69% in the last 52 weeks. The beta is 1.87, so LOB's price volatility has been higher than the market average.
| Beta (5Y) | 1.87 |
| 52-Week Price Change | +4.69% |
| 50-Day Moving Average | 40.77 |
| 200-Day Moving Average | 38.14 |
| Relative Strength Index (RSI) | 31.47 |
| Average Volume (20 Days) | 199,755 |
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 | 5.81% |
| Short Ratio (days to cover) | 9.71 |
Income Statement
In the last 12 months, LOB had revenue of $526.38 million and earned $132.33 million in profits. Earnings per share was $2.86.
| Revenue | 526.38M |
| Gross Profit | 526.38M |
| Operating Income | 203.95M |
| Pretax Income | 184.38M |
| Net Income | 132.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.86 |
Balance Sheet
The company has $927.88 million in cash and $99.77 million in debt, with a net cash position of $828.11 million or $17.89 per share.
| Cash & Cash Equivalents | 927.88M |
| Total Debt | 99.77M |
| Net Cash | 828.11M |
| Net Cash Per Share | $17.89 |
| Equity (Book Value) | 1.32B |
| Book Value Per Share | 26.29 |
| Working Capital | -13.01B |
Cash Flow
In the last 12 months, operating cash flow was $253.27 million and capital expenditures -$15.89 million, giving a free cash flow of $237.37 million.
| Operating Cash Flow | 253.27M |
| Capital Expenditures | -15.89M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -7.89M |
| Free Cash Flow | 237.37M |
| FCF Per Share | $5.13 |
Margins
| Gross Margin | n/a |
| Operating Margin | 38.75% |
| Pretax Margin | 35.03% |
| Profit Margin | 26.51% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 45.10% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.32%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.32% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 4.20% |
| FCF Payout Ratio | 2.34% |
| Buyback Yield | -1.01% |
| Shareholder Yield | -0.69% |
| Earnings Yield | 7.63% |
| FCF Yield | 13.68% |
Analyst Forecast
The average price target for LOB is $46.25, which is 23.40% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.25 |
| Price Target Difference | 23.40% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |