Live Oak Bancshares (LOB)
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Live Oak Bancshares, Inc. is the bank holding company for Live Oak Bank, a digital-first commercial bank that serves small businesses across the United States. The company focuses on lending, deposit gathering, and related financial services, with a particular emphasis on borrowers in industries where the bank has developed specialized knowledge. This vertical approach allows Live Oak to assess business models, collateral, cash flows, and operating risks within specific markets rather than relying only on broad commercial lending practices.
Live Oak is especially known for its role in government-guaranteed small business lending. A meaningful portion of its loan production is supported by programs such as the U.S. Small Business Administration’s 7(a) program and lending programs administered by the U.S. Department of Agriculture, including rural business, energy, water, environmental, and community facilities initiatives. These guarantees can reduce credit risk for qualifying loans while helping entrepreneurs and community-focused projects access financing.
The bank also provides deposit products to customers nationwide, using a branch-light model that relies heavily on digital banking capabilities. This structure differentiates it from traditional community banks that are concentrated around physical branch networks. Live Oak’s lending strategy combines national reach with sector-specific expertise in areas such as professional services, healthcare, franchise businesses, and other selected industries.
As a financial stock, Live Oak’s performance is influenced by interest rates, credit quality, loan demand, deposit costs, government-guaranteed loan markets, and small business confidence. Its distinctive position lies in pairing technology-enabled banking with specialized small business lending, rather than operating as a conventional regional bank.
Last updated
- Market Cap
- 1.75B
- P/E
- 14.45
- P/FCF
- 13.43
- P/S
- 1.65
- Enterprise Value
- 1.03B
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 1741 TIBURON DRIVE, WILMINGTON, NC, 28403
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 1.75B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 1.03B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 14.45
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.37
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.65
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 6.06
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 0.97
- EPS
- 2.62
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0.61%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 13.43
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 12.44
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 130.28M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 9.47%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.79%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.08
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 225.61K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 37.81
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 259.94M | 278.39M | 262.04M | 258.81M | 235.48M |
| Gross profit | 145.47M | 161.86M | 146.1M | 143.75M | 122.9M |
| Operating income | 40.08M | 61.91M | 36.57M | 31.2M | 13.13M |
| EBITDA | 40.08M | 62.04M | 36.91M | 31.47M | 13.13M |
| Net income | 27.95M | 44.12M | 25.56M | 23.43M | 9.72M |
| Basic EPS | 0.61 | 0.96 | 0.56 | 0.51 | 0.21 |
| Diluted EPS | 0.6 | 0.95 | 0.55 | 0.51 | 0.21 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 15.3B | 15.13B | 14.67B | 13.83B | 13.6B |
| Total liabilities | 14.02B | 13.88B | 13.46B | 12.76B | 12.56B |
| Total equity | 1.28B | 1.25B | 1.2B | 1.07B | 1.03B |
| Cash & equivalents | 816.39M | 865.15M | 892.7M | 663.01M | 744.26M |
| Current assets | 2.25B | 2.29B | 2.27B | 1.99B | 2.06B |
| Current liabilities | 0 | 0 | 0 | 0 | 0 |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 87.38M | 79.69M | -234.59M | 208.17M | -29.77M |
| Investing cash flow | -273.4M | -497.46M | -322.41M | -485.06M | -464.52M |
| Financing cash flow | 137.25M | 390.23M | 786.69M | 195.38M | 629.75M |
| Change in cash | -48.77M | -27.54M | 229.69M | -81.51M | 135.46M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 8-K — Live Oak Bancshares, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4/A — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| form 4 | Form 4 — Moroz Mark Michael | View Filing | |
| edgar index | S-8 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 8-K — Live Oak Bancshares, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — LUCHT DAVID G | View Filing | |
| form 4 | Form 4 — LUCHT DAVID G | View Filing | |
| form 4 | Form 4 — LUCHT DAVID G | View Filing | |
| form 4 | Form 4 — Lunsford Jeffrey W | View Filing | |
| form 4 | Form 4 — Lunsford Jeffrey W | View Filing | |
| form 4 | Form 4 — Cameron William Henderson | View Filing | |
| form 4 | Form 4 — Cameron William Henderson | View Filing | |
| form 4 | Form 4 — Cameron William Henderson | View Filing | |
| form 4 | Form 4 — Cameron William Henderson | View Filing | |
| form 4 | Form 4 — Valine Yousef A. | View Filing | |
| form 4 | Form 4 — Valine Yousef A. | View Filing | |
| form 4 | Form 4 — Valine Yousef A. | View Filing | |
| form 4 | Form 4 — Petty Miltom Emmett | View Filing | |
| form 4 | Form 4 — Petty Miltom Emmett | View Filing | |
| form 4 | Form 4 — Bradford Tonya Williams | View Filing | |
| form 4 | Form 4 — Bradford Tonya Williams | View Filing | |
| form 4 | Form 4 — McHenry Patrick Timothy | View Filing | |
| form 4 | Form 4 — McHenry Patrick Timothy | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 4 — Live Oak Bancshares, Inc. | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| form 4 | Form 4 — MAHAN JAMES S III | View Filing | |
| edgar index | 144 — Live Oak Bancshares, Inc. | View Filing |