Live Oak Bancshares (LOB) Stock Statistics & Valuation Metrics

Live Oak Bancshares has a market cap or net worth of $1.57B. The enterprise value is $796.32M.

Market Cap

$1.57B

Enterprise Value

$796.32M

Live Oak Bancshares has 46,377,872 shares outstanding. The number of shares has decreased by -2.65% in one year.

Shares Outstanding

46,377,872

Owned by Insiders

18.05%

Owned by Institutions

47.85%

Live Oak Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 7.17%.

Return on Equity (ROE)

0.08

Return on Assets (ROA)

0.01

Return on Invested Capital (ROIC)

7.17%

Return on Capital Employed (ROCE)

0.11

Revenue Per Employee

1.01M

Profits Per Employee

101.05K

Employee Count

1,027

Asset Turnover

0.07

Inventory Turnover

0.00

The current PE Ratio of Live Oak Bancshares is 12.20. Live Oak Bancshares’s PEG ratio is 0.14.

PE Ratio

12.20

PS Ratio

1.43

PB Ratio

1.23

Price to FCF

5.20

Price to Operating Cash Flow

4.94

PEG Ratio

0.14

In the last 12 months, Live Oak Bancshares had revenue of 1.04B and earned 103.78M in profits. Earnings per share was 2.24.

Revenue

1.04B

Gross Profit

503.00M

Operating Income

160.98M

Pretax Income

160.98M

Net Income

103.78M

EBITDA

191.38M

Earnings Per Share (EPS)

2.24

In the last 12 months, operating cash flow was 325.00M and capital expenditures -16.50M, giving a free cash flow of 308.50M billion.

Operating Cash Flow

325.00M

Free Cash Flow

308.50M

Free Cash Flow per Share

6.66

Live Oak Bancshares pays an annual dividend of $0.03, resulting in a dividend yield of 0.35%

Dividend Per Share

$0.03

Dividend Yield

0.35%

Payout Ratio

4.99%

Free Cash Flow Yield

19.23%

Earnings Yield

8.55%

Beta

0.97

52-Week Price Change

7.41%

50-Day Moving Average

36.58

200-Day Moving Average

37.94

Relative Strength Index (RSI)

38.45

Average Volume (3m)

240.58K

Live Oak Bancshares upcoming earnings date is Jan 27, 2027, TBA (Not Confirmed).

Last Earnings Date

Oct 21, 2026

Next Earnings Date

Jan 27, 2027

Ex-Dividend Date

Jun 02, 2026

Live Oak Bancshares as a current ratio of 0.13, with Debt / Equity ratio of 8.19%

Current Ratio

0.13

Quick Ratio

0.13

Debt to Market Cap

0.06

Net Debt to EBITDA

-3.99

Interest Coverage Ratio

0.35

In the past 12 months, Live Oak Bancshares has paid 57.35M in taxes.

Income Tax

57.35M

Effective Tax Rate

0.36

Live Oak Bancshares EV to EBITDA ratio is 2.69, with an EV/FCF ratio of 1.96.

EV to Sales

0.54

EV to EBITDA

2.69

EV to Free Cash Flow

1.96

EV to Operating Cash Flow

1.86

Live Oak Bancshares has $2.60B in cash and marketable securities with $99.79M in debt, giving a net cash position of $2.50B billion.

Cash & Marketable Securities

$2.60B

Total Debt

$99.79M

Net Cash

$2.50B

Net Cash Per Share

$53.93

Tangible Book Value Per Share

$28.33

Gross margin is 48.56%, with operating margin of 17.90%, and net profit margin of 12.22%.

Gross Margin

48.56%

Operating Margin

17.90%

Pretax Margin

17.90%

Net Profit Margin

12.22%

EBITDA Margin

19.96%

EBIT Margin

17.90%

The average price target for Live Oak Bancshares is $40.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy

Price Target

$40.50

Price Target Upside

19.40% Upside

Analyst Consensus

Moderate Buy

Analyst Count

4

Revenue Growth Forecast

8.59%

EPS Growth Forecast

88.76%

Smart Score

4

AI Score

68