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Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
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Jenna Brashear
Financial Summary
Share Statistics
LOB
Industry Median
Percentile (All Stocks)
Market Cap (Mil)
$1,885.1
$751.0
53%
Shares Out (Mil)
46.6
15.4
45%
Institutional Ownership
76.5%
83.2%
46%
Float (Mil)
36.0
21.8
40%
Beta
1.88
0.43
91%
Avg Daily Volume (000s)
214
42
45%
Price Change (52-week)
15.2%
94.6%
58%
Growth
LOB
Industry Median
Percentile (All Stocks)
Sales (5yr)
14.9%
7.7%
73%
Net Income (5yr)
12.2%
11.1%
58%
EPS (5yr)
9.3%
10.1%
45
Dividends (5yr)
0.0%
3.6%
57%
Cash Flow (5yr)
18.7%
(17.1%)
78%
Estimates
Qtrly
Current Fiscal Year
Next Fiscal Year
# of Estimates
4
5
5
Current EPS
$0.808
$3.122
$4.230
Month Ago EPS
$0.795
$3.083
$4.142
# Rev Up
0
0
1
# Rev Down
1
1
0
Three Months Ago EPS
$0.815
$3.110
$4.130
Year/Year Chg
9.2%
40.0%
na
Financials
LOB
Industry Median
Percentile (All Stocks)
Sales (TTM) (Mil)
$526
$196
42%
Net Income (TTM) (Mil)
$140
$55
64%
EPS (TTM)
$2.875
$2.600
77%
Operating Cash Flow (TTM) (Mil)
$253
$36
62%
Net Cash Flow (TTM) (Mil)
$265
$2
86%
Long-Term Debt (Q1) (Mil)
$100
$101
44%
Enterprise Value (Q1) (Mil)
na
$0
na
Valuation
LOB
Industry Median
Percentile (All Stocks)
P/B
1.55
1.25
40%
P/E
14.3
12.5
34%
Dividend Yield
0.3%
2.2%
61%
PEG (5yr hist)
1.5
1.1
60%
Ratios
LOB
Industry Median
Percentile (All Stocks)
Gross Margin
na
63.7%
na
Net Margin
26.5%
29.1%
85%
ROA
0.9%
1.1%
45%
ROE
12.2%
11.3%
64%
Liabilities to Assets
91.8%
89.7%
89%
F-Score
5
4
50%
Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
LOB meetings the criteria of 1 screen:
Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.
Ⓒ 2026 American Association of Individual Investors