Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.57 billion. The enterprise value is $572.78 million.
| Market Cap | 1.57B |
| Enterprise Value | 572.78M |
Important Dates
The last earnings date was Wednesday, October 21, 2026, after market close.
| Earnings Date | Oct 21, 2026 |
| Ex-Dividend Date | Sep 1, 2026 |
Share Statistics
LOB has 46.38 million shares outstanding. The number of shares has increased by 1.22% in one year.
| Current Share Class | 46.38M |
| Shares Outstanding | 46.38M |
| Shares Change (YoY) | +1.22% |
| Shares Change (QoQ) | +0.59% |
| Owned by Insiders (%) | 22.00% |
| Owned by Institutions (%) | 72.03% |
| Float | 36.18M |
Valuation Ratios
The trailing PE ratio is 12.09 and the forward PE ratio is 8.85.
| PE Ratio | 12.09 |
| Forward PE | 8.85 |
| PS Ratio | 2.98 |
| Forward PS | 2.19 |
| PB Ratio | 1.30 |
| P/TBV Ratio | 1.30 |
| P/FCF Ratio | 5.29 |
| P/OCF Ratio | 5.01 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 4.37 |
| EV / Sales | 1.09 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.93 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.08 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.06%.
| Return on Equity (ROE) | 11.06% |
| Return on Assets (ROA) | 0.88% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 13.33% |
| Revenue Per Employee | $506,983 |
| Profits Per Employee | $125,984 |
| Employee Count | 1,040 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $44.00 million in taxes.
| Income Tax | 44.00M |
| Effective Tax Rate | 24.04% |
Stock Price Statistics
The stock price has increased by +7.48% in the last 52 weeks. The beta is 1.80, so LOB's price volatility has been higher than the market average.
| Beta (5Y) | 1.80 |
| 52-Week Price Change | +7.48% |
| 50-Day Moving Average | 36.59 |
| 200-Day Moving Average | 38.00 |
| Relative Strength Index (RSI) | 38.44 |
| Average Volume (20 Days) | 288,786 |
Short Selling Information
The latest short interest is 2.10 million, so 4.52% of the outstanding shares have been sold short.
| Short Interest | 2.10M |
| Short Previous Month | 2.32M |
| Short % of Shares Out | 4.52% |
| Short % of Float | 5.79% |
| Short Ratio (days to cover) | 10.55 |
Income Statement
In the last 12 months, LOB had revenue of $527.26 million and earned $131.02 million in profits. Earnings per share was $2.81.
| Revenue | 527.26M |
| Gross Profit | 527.26M |
| Operating Income | 206.38M |
| Pretax Income | 183.04M |
| Net Income | 131.02M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.81 |
Balance Sheet
The company has $1.10 billion in cash and $99.79 million in debt, with a net cash position of $1.00 billion or $21.57 per share.
| Cash & Cash Equivalents | 1.10B |
| Total Debt | 99.79M |
| Net Cash | 1.00B |
| Net Cash Per Share | $21.57 |
| Equity (Book Value) | 1.31B |
| Book Value Per Share | 26.13 |
| Working Capital | -13.77B |
Cash Flow
In the last 12 months, operating cash flow was $313.95 million and capital expenditures -$16.50 million, giving a free cash flow of $297.45 million.
| Operating Cash Flow | 313.95M |
| Capital Expenditures | -16.50M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -5.25M |
| Free Cash Flow | 297.45M |
| FCF Per Share | $6.41 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.14% |
| Pretax Margin | 34.71% |
| Profit Margin | 26.44% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 56.41% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.35%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.35% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 4.28% |
| FCF Payout Ratio | 1.87% |
| Buyback Yield | -1.22% |
| Shareholder Yield | -0.87% |
| Earnings Yield | 8.27% |
| FCF Yield | 18.91% |
Analyst Forecast
The average price target for LOB is $40.50, which is 19.40% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.50 |
| Price Target Difference | 19.40% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 12.49% |
| EPS Growth Forecast (3Y) | 37.09% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |