Live Oak Bancshares Inc.

LOB | NYSE

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$38.02

-$0.23 (-0.60%)

At close: Sep 21, 2026, 4:00 PM ET

$38.02

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.77B

Enterprise Value $931.03M

Beta 1.87

Average Volume 241.67K

Shares Outstanding (Diluted) 46.59M

Shares Change YoY 1.74%

Institutional Ownership 71.10%

Exchange NYSE

ISIN US53803X1054

Price Performance

Price Change 1M -7.3%

Price Change 3M -4.7%

Price Change 6M 15.8%

Price Change YTD 9.5%

Price Change 1Y 4.2%

Price Change 3Y 29.0%

Price Change 5Y -36.6%

1M CAGR (ann.) -10.0%

1Y CAGR (ann.) 5.4%

5Y CAGR (ann.) -7.3%

All-Time CAGR 6.9%

Valuation

PE Ratio 13.39

Forward PE 9.27

PEG Ratio 0.10

Forward PEG 0.38

PS Ratio 1.63

Forward PS 2.40

PB Ratio 1.34

P/FCF Ratio 13.94

P/Adj. FCF Ratio 17.64

P/OCF Ratio -48.13

EV/Sales 0.86

EV/EBIT 4.60

EV/EBITDA 4.24

EV/FCF 7.38

Earnings Yield 7.5%

FCF Yield 7.2%

Adj. FCF Yield 5.7%

Financial Health

Net Cash $827.86M

Total Debt $99.77M

Cash & Short-Term Investments $927.63M

Total Assets $16.04B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.08

Debt / EBITDA 0.45

Debt / FCF 0.79

OCF / Debt 1.41

Interest Coverage 0.44

Altman Z-Score 0.33

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 50.5%

Operating Profit Margin 18.8%

EBITDA Margin 20.9%

Net Profit Margin 12.7%

FCF Margin 11.7%

Adj. FCF Margin 9.2%

SBC / Revenue 2.5%

SBC Impact (per share) -20.9%

Returns

Return on Assets 0.9%

Return on Equity 10.9%

Return on Invested Capital 0.9%

Return on Capital Employed 1.3%

Return on Tangible Assets 0.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 19.0%

Revenue CAGR 5Y 17.1%

Revenue CAGR 10Y 24.1%

EPS CAGR 3Y 26.6%

EPS CAGR 5Y -5.6%

EPS CAGR 10Y 22.3%

FCF CAGR 3Y 10.9%

FCF CAGR 5Y 21.1%

FCF CAGR 10Y 439.7%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 27, 2026

EPS Estimate (next Q) $0.82

EPS Growth Est (next Q) 49.1%

Revenue Est (next Q) $164.75M

Revenue Growth Est (next Q) 15.7%

Fair Value Estimates

Graham Number $42.64

Graham Upside 12.2%

Lynch Fair Value $14.20

Lynch Upside -62.6%

Price Target $43

Price Target Upside 13.1%

Cash Flow

Operating Cash Flow $140.65M

Free Cash Flow $126.14M

Adj. Free Cash Flow $99.72M

FCF Per Share -$1.13

OCF Per Share -$0.79

OCF/S Ratio -3.4%

Income Statement

Revenue $1.08B

Gross Profit $545.11M

Operating Income $202.55M

EBITDA $219.84M

Net Income $137.47M

EPS (Diluted) $2.84

Revenue / Employee $1.05M

Profit / Employee $133.85K

Employees 1,027

Dividends

Annual Dividend $0.12

Dividend Yield 0.32%

Payout Ratio 4.2%

FCF Payout Ratio 8.4%

Adj. FCF Payout Ratio 10.7%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 31, 2026