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Live Oak Bancshares, Inc.

$38.99 +$4.28 (+12.35%)

NYSE · 14 Sep 2026 15:00 UTC

Previous Close

$39.25

Day Range

$38.99$39.59

Year Range

$29.36$44.53

Market Cap

1.8B

AVG Volume

240.78K

Trailing/Forward PE

13.54/9.24

PEG ratio

0.38

Dividend Yield

0.31%

Next Earnings Date

2026-10-28

Primary Exchange

New York Stock Exchange

Revenue (USD)

LOB Revenue (USD) by year
Period	Revenue (USD)
2025	1.04B
2024	929.29M
2023	776.55M
2022	508.83M
2021	506.41M
2020	378.31M
2019	290.91M
2018	261.47M
2017	202.73M
2016	144.79M

Net Income (USD)

LOB Net Income (USD) by year
Period	Net Income (USD)
2025	103.78M
2024	77.47M
2023	73.9M
2022	176.21M
2021	167M
2020	59.54M
2019	18.03M
2018	51.45M
2017	100.5M
2016	13.77M

Operating Income (USD)

LOB Operating Income (USD) by year
Period	Operating Income (USD)
2025	160.98M
2024	89.23M
2023	82.83M
2022	210.32M
2021	210.79M
2020	47.39M
2019	23.46M
2018	46.05M
2017	98.25M
2016	17.21M

EBITDA (USD)

LOB EBITDA (USD) by year
Period	EBITDA (USD)
2025	185.09M
2024	112.52M
2023	104.1M
2022	231.1M
2021	232.15M
2020	69.08M
2019	43.43M
2018	62.43M
2017	108.53M
2016	21.47M

Cash Flows (USD)

LOB Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	143.49M
2024	487.16M
2023	573.23M
2022	80.73M
2021	-107.82M
2020	-285.75M
2019	-533.25M
2018	-99.8M
2017	-411.67M
2016	-232.84M

EPS (USD)

LOB EPS (USD) by year
Period	EPS (USD)
2025	2.22
2024	1.69
2023	1.64
2022	3.93
2021	3.71
2020	1.39
2019	0.44
2018	1.24
2017	2.51
2016	0.39

Expenses (USD)

LOB Expenses (USD) by year
Period	Expenses (USD)
2025	268.61M
2024	254.56M
2023	251.12M
2022	221.34M
2021	156.47M
2020	156.84M
2019	146.48M
2018	210.9M
2017	219.24M
2016	84.22M

Cash & Debt (USD)

LOB Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	1.73B
2024	634.39M
2023	1.71B
2022	1.3B
2021	1.1B
2020	1.05B
2019	671.9M
2018	704.56M
2017	391.63M
2016	316.31M

Debt ratios

LOB Debt ratios by year
Period	Debt ratios
2025	-2.57
2024	-0.77
2023	-2.65
2022	-2.11
2021	-1.92
2020	1.72
2019	-2.85
2018	-3.05

Margins

LOB Margins by year
Period	Margins
2025	48.31%
2024	42.68%
2023	49.23%
2022	68.97%
2021	84.27%
2020	64.49%
2019	64.08%
2018	74.12%
2017	82.75%
2016	81.24%

Return on Capital

LOB Return on Capital by year
Period	Return on Capital
2025	8.27%
2024	7.72%
2023	8.19%
2022	21.73%
2021	23.35%
2020	10.49%
2019	3.39%
2018	10.42%
2017	23%
2016	6.18%

Shares Outstanding

LOB Shares Outstanding by year
Period	Shares Outstanding
2025	45.91M
2024	45.22M
2023	44.52M
2022	44.01M
2021	43.49M
2020	41.32M
2019	40.29M
2018	40.15M
2017	39.88M
2016	34.24M

Dividends (USD)

LOB Dividends (USD) by year
Period	Dividends (USD)
2026	0.09
2025	0.12
2024	0.12
2023	0.12
2022	0.12
2021	0.12
2020	0.12
2019	0.12
2018	0.12
2017	0.1

Employee Count

LOB Employee Count by year
Period	Employee Count
2024	1.01K
2023	943
2022	955
2021	788
2020	621
2019	603
2018	493
2017	504
2016	400
2015	327

Book Value Per Share (USD)

LOB Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	27.32
2024	22.19
2023	20.28
2022	18.43
2021	16.44
2020	13.74
2019	13.21
2018	12.29
2017	10.96
2016	6.51

Total Assets (USD)

LOB Total Assets (USD) by year
Period	Total Assets (USD)
2025	15.13B
2024	12.94B
2023	11.27B
2022	9.86B
2021	8.21B
2020	7.87B
2019	4.81B
2018	3.67B
2017	2.76B
2016	1.76B

PE Ratio

LOB PE Ratio by year
Period	PE Ratio
Sep 26	13.21
Sep 26	13.33
Aug 26	13.51
Aug 26	13.79
Aug 26	14.56
Aug 26	14.34
Jul 26	15.83
Jul 26	15.57
Jul 26	15.71
Jul 26	15.41
Jul 26	15.18
Jun 26	15.31
Jun 26	14.15
Jun 26	14.44
Jun 26	13.84
May 26	14.07
May 26	13.79
May 26	13.15
May 26	13.95
May 26	16.44
Apr 26	16.56
Apr 26	16.57
Apr 26	15.8
Apr 26	14.77
Mar 26	14.2
Mar 26	14.09
Mar 26	14.27
Mar 26	14.84
Feb 26	16.04
Feb 26	26.9
Feb 26	26.68
Feb 26	26.87
Jan 26	26.3
Jan 26	25.91
Jan 26	24.75
Jan 26	24.11
Jan 26	22.84
Dec 25	23.17
Dec 25	24
Dec 25	23.24
Dec 25	21.59
Nov 25	21.01
Nov 25	20.2
Nov 25	25.36
Nov 25	26.54
Oct 25	25.34
Oct 25	27.83
Oct 25	27.25
Oct 25	28.36
Oct 25	28.25
Sep 25	29.44
Sep 25	30.21
Sep 25	29.73
Sep 25	31.22
Aug 25	31.49
Aug 25	30.72
Aug 25	28.1
Aug 25	25.27
Aug 25	23.61
Jul 25	25.83
Jul 25	24.16
Jul 25	24.63
Jul 25	24.57
Jun 25	22.87
Jun 25	21.21
Jun 25	21.2
Jun 25	21.48
May 25	20.9
May 25	20.52
May 25	21.58
May 25	20.68
May 25	15.92
Apr 25	15.52
Apr 25	14.14
Apr 25	13.71
Apr 25	14.21
Mar 25	15.51
Mar 25	15.96
Mar 25	15.41
Mar 25	15.59
Feb 25	17.12
Feb 25	17.22
Feb 25	18.26
Feb 25	19
Jan 25	19.1
Jan 25	18.85
Jan 25	21.89
Jan 25	19.78
Jan 25	20.89
Dec 24	21.23
Dec 24	21.08
Dec 24	23.79
Dec 24	24.99
Nov 24	25.51
Nov 24	25.71
Nov 24	25.78
Nov 24	25.03
Nov 24	16.71
Oct 24	16.14
Oct 24	20.08

Free Cash Flow Yield

LOB Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	-2.88%
Sep 26	-2.85%
Aug 26	-2.81%
Aug 26	-2.75%
Aug 26	-2.61%
Aug 26	-2.65%
Jul 26	6.42%
Jul 26	6.53%
Jul 26	6.47%
Jul 26	6.6%
Jul 26	6.69%
Jun 26	6.64%
Jun 26	7.18%
Jun 26	7.04%
Jun 26	7.35%
May 26	7.23%
May 26	7.37%
May 26	7.73%
May 26	7.29%
May 26	8.41%
Apr 26	8.35%
Apr 26	8.34%
Apr 26	8.75%
Apr 26	9.36%
Mar 26	9.74%
Mar 26	9.81%
Mar 26	9.69%
Mar 26	9.32%
Feb 26	8.62%
Feb 26	12.81%
Feb 26	12.92%
Feb 26	12.83%
Jan 26	13.11%
Jan 26	13.3%
Jan 26	13.93%
Jan 26	14.3%
Jan 26	15.09%
Dec 25	14.87%
Dec 25	14.36%
Dec 25	14.83%
Dec 25	15.97%
Nov 25	16.41%
Nov 25	17.06%
Nov 25	46.46%
Nov 25	44.4%
Oct 25	46.49%
Oct 25	42.35%
Oct 25	43.24%
Oct 25	41.54%
Oct 25	41.71%
Sep 25	40.03%
Sep 25	39%
Sep 25	39.63%
Sep 25	37.74%
Aug 25	37.42%
Aug 25	38.35%
Aug 25	41.93%
Aug 25	46.63%
Aug 25	37%
Jul 25	33.81%
Jul 25	36.15%
Jul 25	35.47%
Jul 25	35.55%
Jun 25	38.19%
Jun 25	41.18%
Jun 25	41.2%
Jun 25	40.67%
May 25	41.8%
May 25	42.57%
May 25	40.48%
May 25	42.24%
May 25	39.49%
Apr 25	40.51%
Apr 25	44.48%
Apr 25	45.88%
Apr 25	44.24%
Mar 25	40.54%
Mar 25	39.4%
Mar 25	36.37%
Mar 25	35.94%
Feb 25	32.72%
Feb 25	32.54%
Feb 25	30.68%
Feb 25	29.49%
Jan 25	29.33%
Jan 25	29.72%
Jan 25	25.6%
Jan 25	28.32%
Jan 25	26.82%
Dec 24	26.39%
Dec 24	26.57%
Dec 24	23.55%
Dec 24	22.42%
Nov 24	21.96%
Nov 24	21.79%
Nov 24	21.73%
Nov 24	22.38%
Nov 24	23.35%
Oct 24	24.18%
Oct 24	19.43%

Price to Sales

LOB Price to Sales by year
Period	Price to Sales
Sep 26	1.68
Sep 26	1.7
Aug 26	1.72
Aug 26	1.76
Aug 26	1.85
Aug 26	1.82
Jul 26	1.85
Jul 26	1.81
Jul 26	1.83
Jul 26	1.8
Jul 26	1.77
Jun 26	1.78
Jun 26	1.65
Jun 26	1.68
Jun 26	1.61
May 26	1.64
May 26	1.61
May 26	1.53
May 26	1.63
May 26	1.64
Apr 26	1.65
Apr 26	1.65
Apr 26	1.57
Apr 26	1.47
Mar 26	1.41
Mar 26	1.4
Mar 26	1.42
Mar 26	1.48
Feb 26	1.6
Feb 26	1.89
Feb 26	1.87
Feb 26	1.88
Jan 26	1.84
Jan 26	1.82
Jan 26	1.74
Jan 26	1.69
Jan 26	1.6
Dec 25	1.63
Dec 25	1.68
Dec 25	1.63
Dec 25	1.51
Nov 25	1.47
Nov 25	1.42
Nov 25	1.46
Nov 25	1.53
Oct 25	1.46
Oct 25	1.61
Oct 25	1.57
Oct 25	1.64
Oct 25	1.63
Sep 25	1.7
Sep 25	1.74
Sep 25	1.72
Sep 25	1.8
Aug 25	1.82
Aug 25	1.77
Aug 25	1.62
Aug 25	1.46
Aug 25	1.49
Jul 25	1.63
Jul 25	1.52
Jul 25	1.55
Jul 25	1.55
Jun 25	1.44
Jun 25	1.34
Jun 25	1.34
Jun 25	1.35
May 25	1.32
May 25	1.29
May 25	1.36
May 25	1.3
May 25	1.33
Apr 25	1.29
Apr 25	1.18
Apr 25	1.14
Apr 25	1.18
Mar 25	1.29
Mar 25	1.33
Mar 25	1.45
Mar 25	1.47
Feb 25	1.62
Feb 25	1.62
Feb 25	1.72
Feb 25	1.79
Jan 25	1.8
Jan 25	1.78
Jan 25	2.07
Jan 25	1.87
Jan 25	1.97
Dec 24	2
Dec 24	1.99
Dec 24	2.24
Dec 24	2.36
Nov 24	2.41
Nov 24	2.43
Nov 24	2.43
Nov 24	2.36
Nov 24	2.13
Oct 24	2.06
Oct 24	2.56

EV/EBITDA

LOB EV/EBITDA by year
Period	EV/EBITDA
Sep 26	4.37
Sep 26	4.44
Aug 26	4.55
Aug 26	4.72
Aug 26	5.19
Aug 26	5.06
Jul 26	1.79
Jul 26	1.63
Jul 26	1.72
Jul 26	1.54
Jul 26	1.41
Jun 26	1.49
Jun 26	0.81
Jun 26	0.97
Jun 26	0.62
May 26	0.76
May 26	0.59
May 26	0.22
May 26	0.69
May 26	0.44
Apr 26	0.51
Apr 26	0.51
Apr 26	0.08
Apr 26	-0.49
Mar 26	-0.82
Mar 26	-0.88
Mar 26	-0.78
Mar 26	-0.45
Feb 26	0.22
Feb 26	2.81
Feb 26	2.68
Feb 26	2.79
Jan 26	2.46
Jan 26	2.24
Jan 26	1.57
Jan 26	1.21
Jan 26	0.48
Dec 25	0.67
Dec 25	1.14
Dec 25	0.71
Dec 25	-0.24
Nov 25	-0.57
Nov 25	-1.04
Nov 25	1.36
Nov 25	2
Oct 25	1.35
Oct 25	2.71
Oct 25	2.39
Oct 25	3
Oct 25	2.94
Sep 25	3.59
Sep 25	4.02
Sep 25	3.76
Sep 25	4.57
Aug 25	4.72
Aug 25	4.3
Aug 25	2.86
Aug 25	1.31
Aug 25	0.68
Jul 25	1.93
Jul 25	0.99
Jul 25	1.25
Jul 25	1.22
Jun 25	0.26
Jun 25	-0.68
Jun 25	-0.68
Jun 25	-0.53
May 25	-0.85
May 25	-1.07
May 25	-0.47
May 25	-0.98
May 25	6.33
Apr 25	6.05
Apr 25	5.1
Apr 25	4.8
Apr 25	5.15
Mar 25	6.04
Mar 25	6.35
Mar 25	-4.28
Mar 25	-4.15
Feb 25	-3.04
Feb 25	-2.97
Feb 25	-2.21
Feb 25	-1.68
Jan 25	-1.6
Jan 25	-1.79
Jan 25	0.42
Jan 25	-1.11
Jan 25	-0.31
Dec 24	-0.06
Dec 24	-0.17
Dec 24	1.79
Dec 24	2.66
Nov 24	3.05
Nov 24	3.19
Nov 24	3.24
Nov 24	2.7
Nov 24	1.42
Oct 24	0.96
Oct 24	4.08

Price/Operating Cashflow

LOB Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Jul 26	13.97
Jul 26	13.73
Jul 26	13.86
Jul 26	13.59
Jul 26	13.4
Jun 26	13.51
Jun 26	12.49
Jun 26	12.74
Jun 26	12.21
May 26	12.41
May 26	12.17
May 26	11.6
May 26	12.3
May 26	10.78
Apr 26	10.86
Apr 26	10.87
Apr 26	10.36
Apr 26	9.69
Mar 26	9.31
Mar 26	9.24
Mar 26	9.36
Mar 26	9.73
Feb 26	10.52
Feb 26	7.51
Feb 26	7.45
Feb 26	7.5
Jan 26	7.34
Jan 26	7.23
Jan 26	6.91
Jan 26	6.73
Jan 26	6.38
Dec 25	6.47
Dec 25	6.7
Dec 25	6.49
Dec 25	6.02
Nov 25	5.86
Nov 25	5.64
Nov 25	2.11
Nov 25	2.21
Oct 25	2.11
Oct 25	2.31
Oct 25	2.26
Oct 25	2.36
Oct 25	2.35
Sep 25	2.45
Sep 25	2.51
Sep 25	2.47
Sep 25	2.59
Aug 25	2.62
Aug 25	2.55
Aug 25	2.34
Aug 25	2.1
Aug 25	2.56
Jul 25	2.8
Jul 25	2.62
Jul 25	2.67
Jul 25	2.66
Jun 25	2.48
Jun 25	2.3
Jun 25	2.3
Jun 25	2.33
May 25	2.26
May 25	2.22
May 25	2.34
May 25	2.24
May 25	2.3
Apr 25	2.24
Apr 25	2.04
Apr 25	1.98
Apr 25	2.05
Mar 25	2.24
Mar 25	2.3
Mar 25	2.41
Mar 25	2.44
Feb 25	2.67
Feb 25	2.69
Feb 25	2.85
Feb 25	2.97
Jan 25	2.98
Jan 25	2.94
Jan 25	3.42
Jan 25	3.09
Jan 25	3.26
Dec 24	3.32
Dec 24	3.29
Dec 24	3.72
Dec 24	3.9
Nov 24	3.99
Nov 24	4.02
Nov 24	4.03
Nov 24	3.91
Nov 24	3.69
Oct 24	3.57
Oct 24	4.44
Oct 24	4.25
Oct 24	4.24
Sep 24	4.27
Sep 24	4.4
Sep 24	4.08
Sep 24	3.74

Price to Book

LOB Price to Book by year
Period	Price to Book
Sep 26	1.38
Sep 26	1.39
Aug 26	1.41
Aug 26	1.44
Aug 26	1.52
Aug 26	1.5
Jul 26	1.53
Jul 26	1.51
Jul 26	1.52
Jul 26	1.49
Jul 26	1.47
Jun 26	1.48
Jun 26	1.37
Jun 26	1.4
Jun 26	1.34
May 26	1.36
May 26	1.34
May 26	1.27
May 26	1.35
May 26	1.36
Apr 26	1.37
Apr 26	1.37
Apr 26	1.31
Apr 26	1.22
Mar 26	1.17
Mar 26	1.17
Mar 26	1.18
Mar 26	1.23
Feb 26	1.33
Feb 26	1.56
Feb 26	1.54
Feb 26	1.55
Jan 26	1.52
Jan 26	1.5
Jan 26	1.43
Jan 26	1.39
Jan 26	1.32
Dec 25	1.34
Dec 25	1.39
Dec 25	1.34
Dec 25	1.25
Nov 25	1.22
Nov 25	1.17
Nov 25	1.33
Nov 25	1.39
Oct 25	1.33
Oct 25	1.46
Oct 25	1.43
Oct 25	1.49
Oct 25	1.48
Sep 25	1.55
Sep 25	1.59
Sep 25	1.56
Sep 25	1.64
Aug 25	1.65
Aug 25	1.61
Aug 25	1.48
Aug 25	1.33
Aug 25	1.36
Jul 25	1.49
Jul 25	1.4
Jul 25	1.42
Jul 25	1.42
Jun 25	1.32
Jun 25	1.23
Jun 25	1.23
Jun 25	1.24
May 25	1.21
May 25	1.19
May 25	1.25
May 25	1.19
May 25	1.23
Apr 25	1.2
Apr 25	1.09
Apr 25	1.06
Apr 25	1.1
Mar 25	1.2
Mar 25	1.23
Mar 25	1.28
Mar 25	1.3
Feb 25	1.42
Feb 25	1.43
Feb 25	1.52
Feb 25	1.58
Jan 25	1.59
Jan 25	1.57
Jan 25	1.82
Jan 25	1.64
Jan 25	1.74
Dec 24	1.76
Dec 24	1.75
Dec 24	1.98
Dec 24	2.08
Nov 24	2.12
Nov 24	2.14
Nov 24	2.14
Nov 24	2.08
Nov 24	1.92
Oct 24	1.86
Oct 24	2.31

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News: LOB

globenewswire.com · 14 Sep 2026

Live Oak Bank Named Official Business Bank of UNCW Athletics

WILMINGTON, N.C., Sept. 14, 2026 (GLOBE NEWSWIRE) -- Live Oak Bank has been named the Official Business Bank of UNCW Athletics under a multi-year agreement, expanding a relationship that already includes title sponsorship of the Live Oak Bank Holiday Classic men's basketball tournament.

defenseworld.net · 9 Sep 2026

Brokerages Set Live Oak Bancshares, Inc. (NYSE:LOB) Price Target at $46.40

Live Oak Bancshares, Inc. (NYSE: LOB - Get Free Report) has been assigned a consensus recommendation of "Moderate Buy" from the six brokerages that are covering the stock, MarketBeat reports. Three analysts have rated the stock with a hold rating and three have given a buy rating to the company. The average 12 month price target

defenseworld.net · 8 Sep 2026

Critical Survey: Mid Penn Bancorp (NASDAQ:MPB) versus Live Oak Bancshares (NYSE:LOB)

Mid Penn Bancorp (NASDAQ: MPB - Get Free Report) and Live Oak Bancshares (NYSE: LOB - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, profitability, institutional ownership, dividends and risk. Profitability This table compares Mid

defenseworld.net · 27 Aug 2026

Live Oak Bancshares, Inc. $LOB Shares Sold by Bank of America Corp DE

Bank of America Corp DE decreased its position in shares of Live Oak Bancshares, Inc. (NYSE: LOB) by 7.4% in the undefined quarter, according to the company in its most recent Form 13F filing with the SEC. The firm owned 174,613 shares of the company's stock after selling 13,954 shares during the quarter.

zacks.com · 24 Aug 2026

Live Oak Bancshares (LOB) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now

Live Oak Bancshares (LOB) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term.

zacks.com · 4 Aug 2026

Live Oak Bancshares (LOB) is a Great Momentum Stock: Should You Buy?

Does Live Oak Bancshares (LOB) have what it takes to be a top stock pick for momentum investors? Let's find out.

marketbeat.com · 23 Jul 2026

Live Oak Bancshares Q2 Earnings Call Highlights

Live Oak Bancshares NYSE: LOB executives said second-quarter 2026 results reflected continued operating momentum, supported by loan growth, improving efficiency, expanding checking balances and rising contributions from its Live Oak Express small-dollar SBA lending program.

seekingalpha.com · 23 Jul 2026