Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Statistics

Total Valuation

LOB has a market cap or net worth of $1.70 billion. The enterprise value is $980.86 million.

Market Cap	1.70B
Enterprise Value	980.86M

Important Dates

The last earnings date was Wednesday, April 22, 2026, after market close.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	Mar 5, 2026

Share Statistics

LOB has 46.24 million shares outstanding. The number of shares has increased by 0.84% in one year.

Current Share Class	46.24M
Shares Outstanding	46.24M
Shares Change (YoY)	+0.84%
Shares Change (QoQ)	+0.45%
Owned by Insiders (%)	22.65%
Owned by Institutions (%)	70.55%
Float	35.76M

Valuation Ratios

The trailing PE ratio is 14.03 and the forward PE ratio is 11.38. LOB's PEG ratio is 0.32.

PE Ratio	14.03
Forward PE	11.38
PS Ratio	3.31
Forward PS	2.55
PB Ratio	1.44
P/TBV Ratio	1.44
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.32

Enterprise Valuation

EV / Earnings	8.10
EV / Sales	1.91
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 10.89%.

Return on Equity (ROE)	10.89%
Return on Assets (ROA)	0.87%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	13.91%
Revenue Per Employee	$492,512
Profits Per Employee	$116,396
Employee Count	1,040
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LOB has paid $43.84 million in taxes.

Income Tax	43.84M
Effective Tax Rate	25.83%

Stock Price Statistics

The stock price has increased by +34.57% in the last 52 weeks. The beta is 1.90, so LOB's price volatility has been higher than the market average.

Beta (5Y)	1.90
52-Week Price Change	+34.57%
50-Day Moving Average	35.23
200-Day Moving Average	35.24
Relative Strength Index (RSI)	52.41
Average Volume (20 Days)	222,148

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	5.86%
Short Ratio (days to cover)	8.06

Income Statement

In the last 12 months, LOB had revenue of $512.21 million and earned $121.05 million in profits. Earnings per share was $2.62.

Revenue	512.21M
Gross Profit	512.21M
Operating Income	188.09M
Pretax Income	169.76M
Net Income	121.05M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.62

Balance Sheet

The company has $816.39 million in cash and $99.75 million in debt, with a net cash position of $716.64 million or $15.50 per share.

Cash & Cash Equivalents	816.39M
Total Debt	99.75M
Net Cash	716.64M
Net Cash Per Share	$15.50
Equity (Book Value)	1.28B
Book Value Per Share	25.55
Working Capital	-12.57B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	36.72%
Pretax Margin	33.14%
Profit Margin	24.64%
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	4.59%
Buyback Yield	-0.84%
Shareholder Yield	-0.51%
Earnings Yield	7.13%
FCF Yield	n/a

Analyst Forecast

The average price target for LOB is $43.00, which is 17.13% higher than the current price. The consensus rating is "Buy".

Price Target	$43.00
Price Target Difference	17.13%
Analyst Consensus	Buy
Analyst Count	5
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	2