Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.81 billion. The enterprise value is $1.09 billion.
| Market Cap | 1.81B |
| Enterprise Value | 1.09B |
Important Dates
The next estimated earnings date is Wednesday, July 22, 2026, after market close.
| Earnings Date | Jul 22, 2026 |
| Ex-Dividend Date | Jun 2, 2026 |
Share Statistics
LOB has 46.26 million shares outstanding. The number of shares has increased by 0.84% in one year.
| Current Share Class | 46.26M |
| Shares Outstanding | 46.26M |
| Shares Change (YoY) | +0.84% |
| Shares Change (QoQ) | +0.45% |
| Owned by Insiders (%) | 22.27% |
| Owned by Institutions (%) | 70.87% |
| Float | 35.96M |
Valuation Ratios
The trailing PE ratio is 14.92 and the forward PE ratio is 12.20. LOB's PEG ratio is 0.34.
| PE Ratio | 14.92 |
| Forward PE | 12.20 |
| PS Ratio | 3.53 |
| Forward PS | 2.74 |
| PB Ratio | 1.53 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 6.92 |
| P/OCF Ratio | 6.56 |
| PEG Ratio | 0.34 |
Enterprise Valuation
| EV / Earnings | 9.00 |
| EV / Sales | 2.13 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.17 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.38 |
| 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) | 13.94% |
| 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 +33.76% 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 | +33.76% |
| 50-Day Moving Average | 36.97 |
| 200-Day Moving Average | 35.80 |
| Relative Strength Index (RSI) | 60.58 |
| Average Volume (20 Days) | 230,584 |
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 | 5.83% |
| Short Ratio (days to cover) | 9.34 |
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 $15.49 per share.
| Cash & Cash Equivalents | 816.39M |
| Total Debt | 99.75M |
| Net Cash | 716.64M |
| Net Cash Per Share | $15.49 |
| Equity (Book Value) | 1.28B |
| Book Value Per Share | 25.55 |
| Working Capital | -12.48B |
Cash Flow
In the last 12 months, operating cash flow was $275.39 million and capital expenditures -$14.51 million, giving a free cash flow of $260.88 million.
| Operating Cash Flow | 275.39M |
| Capital Expenditures | -14.51M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -10.50M |
| Free Cash Flow | 260.88M |
| FCF Per Share | $5.64 |
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 | 50.93% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.31%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.31% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 4.59% |
| Buyback Yield | -0.84% |
| Shareholder Yield | -0.53% |
| Earnings Yield | 6.70% |
| FCF Yield | 14.45% |
Analyst Forecast
The average price target for LOB is $42.75, which is 9.53% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.75 |
| Price Target Difference | 9.53% |
| 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 |