EN DE
Watch Live Oak Bancshares, Inc. for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Live Oak Bancshares, Inc. (LOB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Live Oak Bancshares, Inc. stock $19.57, price $33.92, that is 42.3% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

LO Live Oak Bancshares, Inc. logo Broad data Nov 5, 2026

Live Oak Bancshares, Inc.

LOB · US
Solid, but very expensive

Our calculation puts a fair price 42% below what the stock costs today.

Healthy Growth (revenue 5y +22.4 %/yr in USD)
Highly profitable · 26.4% net margin (TTM)
0.4% dividend yield · Low payout
Broad data
Quality 52/100
Moderate moat 61/100
Insiders sold $9.9M (6M)
Fair value $19.57 · Strongly overvalued (−42.3%)
Trails peers (4/14)
Watch Live Oak Bancshares, Inc. for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$96.20 $19.81 Fair Value $19.57 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $19.81 – $96.20 · fair‑value band $19.41 – $21.22 · the $33.92 price screens above the $19.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

Follow Live Oak Bancshares in your weekly email

Every Wednesday you see whether Live Oak Bancshares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

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.

Show moreShow less

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.

Stock analysis

Live Oak Bancshares, Inc. (LOB) currently trades at $33.92, while our model-based Fair Value estimate is $19.57, 42% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $32.46 per share, and 1 of the 6 models we run sit above the $33.92 price.

Bear case: the Asset-Based group reads lowest at $17.14, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $19.41 (bear) to $21.22 (bull), the price of $33.92 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Live Oak Bancshares, Inc. reported revenue of $1.0B in FY2025 versus $506M in FY2021, a compound +19.7%/yr. Reported net income was $104M in FY2025, compounding −11.2%/yr from FY2021.

Key figures

Market cap $1.6B Small · P/E ratio 12.1 · P/S ratio 3.00 · EPS (TTM) $2.81 · Dividend yield 0.4% · Net margin 26.4% · Return on equity 11.1% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).

What moves the price

The share trades about 22% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −42%, LOB screens richer than that median.

Fair Value models

Bear $19.41 Fair Value $19.57 Bull $21.22
Price $33.92 · Downside -42.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.30 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $19.41 $19.57 $21.22 76
Gordon GGM $1.18 $1.89 $2.37 69
DDM Multi-Stage $1.18 $1.83 $2.04 67
All 6 models by family
Dividend Discount
Gordon GGM $1.18 $1.89 $2.37 69
DDM Multi-Stage $1.18 $1.83 $2.04 67
Multiples
P/E Multiple $21.82 $29.09 $36.36 63
P/B Multiple $26.87 $35.82 $44.78 55
Asset-Based
NCAV (Graham) $12.79 $17.14 $25.59 54
Economic Profit
Residual Income $19.41 $19.57 $21.22 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 23
How much profit the company makes from its sales and capital
Quality Growth 71
Are margins and returns getting better?
Cashflow 70
Do the profits arrive as real cash?
Financial strength 19
Debt, balance sheet and risk of trouble
Investment 49
Does it invest with discipline instead of growing at any price?
Low Volatility 31
How calm the share price moves, does not count
Price momentum 32
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 37
Distance to the 52-week high, does not count
New shares 73
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 7 officers or directors sold shares worth $9.9M and none bought.

  • SaleGregory W SewardGeneral Counsel3× since Nov 19, 2025: 9,200 shares, avg. $35.10$322,890Oct 26, 2026
  • SaleJames S Mahan IIIChief Executive Officer, Director, 10% owner26× since Nov 26, 2025: 400,000 shares, avg. $37.67$15.1MSep 10, 202610b5-1 plan
  • SaleWilliam L. Williams IIIDirector5× since Jun 24, 2026: 33,600 shares, avg. $41.20$1.4MSep 3, 202610b5-1 plan
  • SaleTonya Williams BradfordDirector1,600 shares at $39.89$63,824Sep 3, 2026
  • SaleDavid G LuchtDirector2× since Jul 27, 2026: 5,000 shares, avg. $43.02$215,110Aug 4, 2026
  • SaleCourtney SpencerChief Experience Officer2× since Jan 26, 2026: 9,854 shares, avg. $39.08$385,115Aug 4, 2026
  • SaleMark Michael MorozChief Banking Officer6,100 shares at $42.08$256,688Jul 28, 2026
  • SaleRenato DerraikChief Info./Digital Off., Bank75,000 shares at $37.83$2.8MApr 30, 2026
  • SaleWalter J PhiferChief Financial Officer4,712 shares at $36.58$172,365Mar 2, 2026
  • BuyEwa Maria StasiowskaChief Risk Officer2,595 shares at $38.53$99,994Jan 26, 2026

Plus 1 more entries from the last 12 months.

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.4%
Start year 2020 (pandemic). Over 10 years: +24.9% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.0%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+16.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.2%
Dividend (yield on the price)0.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.5% vs 19.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.13% → 16%
Pace: the 5-year rate starts in 2020 (pandemic)

LOB screens overvalued: fair value 42% below the price. Compare with China Merchants Bank Co →

Compare Live Oak Bancshares, Inc. with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −42.3% · Bottom 25%
Profitability
Return on equity (12 months) 11.1% · Above median
Return on assets 0.7% · Below median
Net margin (12 months) 26.4% · Below median
Operating margin (12 months) 32.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) −2.3% · Bottom 25%
Dividend yield (12 months) 0.4% · Bottom 25%
Balance sheet
Debt / equity 0.08× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.1× · Pricier than median
P/B 1.26× · Pricier than median
P/S (12 months) 3.00× · Cheaper than median
Price / free cash flow (fiscal year) 11.0× · Pricier than median
EV/EBITDA 4.4× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)44 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)7 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs LOB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs LOB
BNP Paribas SA BNP €91.93 €106.01 +15% vs LOB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs LOB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs LOB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs LOB
Mizuho Financial Group MFG $9.40 $5.90 −37% vs LOB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs LOB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs LOB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs LOB

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Evidence & backtest34 years, failed companies included Financial calculatorsDCF, Graham, PEG and more
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Live Oak Bancshares, Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Live Oak Bancshares, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/LOB

Frequently asked questions

Is Live Oak Bancshares, Inc. (LOB) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $19.57 versus a price of $33.92, about 42% lower (overvalued).
What is the fair value of LOB?
Our model-based fair value for Live Oak Bancshares, Inc. is $19.57 (as of Nov 5, 2026), built from audited fundamentals. The current price: $33.92.
What is the quality score of LOB?
Live Oak Bancshares, Inc. has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Live Oak Bancshares, Inc. (LOB)?
Our model-based price target is the fair value of $19.57 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $19.41, optimistic scenario $21.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Live Oak Bancshares, Inc. stock forecast for 2026?
Our models put fair value at $19.57, about 42% lower versus a price of $33.92 (overvalued). Cautious scenario $19.41, optimistic scenario $21.22. The calculation is refreshed regularly with new filings.
What is the revenue of Live Oak Bancshares, Inc. (LOB)?
Live Oak Bancshares, Inc. reported trailing-twelve-month revenue of about $527M (latest available figure, as of Nov 5, 2026).
Does Live Oak Bancshares, Inc. pay a dividend?
Live Oak Bancshares, Inc. currently shows a dividend yield of 0.35% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Live Oak Bancshares, Inc. (LOB) and when is the ex-dividend date?
Live Oak Bancshares, Inc. pays a dividend of $0.12 per share a year, a dividend yield of 0.4%. The last ex-dividend date was Sep 1, 2026. A dividend has been paid every year since at least 2015. The payout ratio is 3.1% of earnings (on adjusted earnings, reported 4.3%). Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Live Oak Bancshares, Inc. (LOB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Live Oak Bancshares, Inc. it is $19.57 per share (as of Nov 5, 2026), against a price of $33.92. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Live Oak Bancshares, Inc. stock overvalued or undervalued in 2026?
As of Nov 5, 2026, LOB trades above its calculated fair value: price $33.92, fair value $19.57, a gap of about −42% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LOB?
No. The price is what the market pays today ($33.92); the fair value is what the company's own numbers justify ($19.57). For Live Oak Bancshares, Inc. the two are $14.35 per share apart. That gap is exactly why we show both numbers side by side.
How much is Live Oak Bancshares, Inc. worth?
The market values Live Oak Bancshares, Inc. at about $1.6B (market capitalisation, as of Nov 5, 2026). Per share that is $33.92; our models calculate a fair value of $19.57 per share.
What do the bullish and bearish scenarios say about LOB?
Our models span a range for Live Oak Bancshares, Inc.: cautious scenario $19.41, base $19.57, optimistic $21.22 per share (as of Nov 5, 2026, price $33.92). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LOB?
Live Oak Bancshares, Inc. trades at a price-to-earnings ratio of 12.1 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $19.57 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 11.1 (reported for FY2025: 15.1). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 7 of the years ex one-offs: 23.3. Other multiples: P/B 1.3, P/S 3.0, EV/EBITDA 4.4.
How solid is the balance sheet of Live Oak Bancshares, Inc. (LOB)?
Balance-sheet figures for Live Oak Bancshares, Inc. (as of Nov 5, 2026): return on equity 11.1%, debt of 0.08 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is LOB from its 52-week high?
Live Oak Bancshares, Inc. trades at $33.92, about 22% below its 52-week high of $43.73 and 16% above the low of $29.31 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $19.57 is for.
Which stocks are comparable to Live Oak Bancshares, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Live Oak Bancshares, Inc. stock attractive at the current price?
The data as of Nov 5, 2026: price $33.92, calculated fair value $19.57 (−42%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LOB calculated?
We run Live Oak Bancshares, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $19.57 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Live Oak Bancshares, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Live Oak Bancshares, Inc. (LOB)?
The closing price on Nov 6, 2026 was $33.92. Our model-based fair value is $19.57, about 42% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Live Oak Bancshares, Inc. right now?
The price sits above even our optimistic bull case ($21.22). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band ($19.41 to $21.22), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Live Oak Bancshares, Inc. (LOB) come from?
Earnings per share at Live Oak Bancshares, Inc. grew +16.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +21.3 %, EBIT margin −5.6 %, tax rate +2.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Live Oak Bancshares, Inc.

How large is the market capitalisation of Live Oak Bancshares, Inc. (LOB)?
The market capitalisation of Live Oak Bancshares, Inc. is $1.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Live Oak Bancshares, Inc. (LOB)?
The price-to-sales ratio of Live Oak Bancshares, Inc. is 3.00 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Live Oak Bancshares, Inc. (LOB)?
Earnings per share at Live Oak Bancshares, Inc. are $2.81 (price ÷ EPS = P/E 12.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Live Oak Bancshares, Inc. (LOB)?
The dividend yield of Live Oak Bancshares, Inc. is 0.4% (payout 3.1%, on adjusted earnings, reported 4.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Live Oak Bancshares, Inc. (LOB)?
The net margin of Live Oak Bancshares, Inc. is 26.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Live Oak Bancshares, Inc. (LOB)?
The return on equity (ROE) of Live Oak Bancshares, Inc. is 11.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Live Oak Bancshares, Inc. (LOB)?
On an EBIT basis the return on assets of Live Oak Bancshares, Inc. is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Live Oak Bancshares, Inc. (LOB)?
The operating margin of Live Oak Bancshares, Inc. is 32.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Live Oak Bancshares, Inc. (LOB)?
Revenue at Live Oak Bancshares, Inc. is growing −2.3% versus a year earlier (3y avg +27.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Live Oak Bancshares, Inc. (LOB)?
Earnings per share at Live Oak Bancshares, Inc. are growing −5.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Live Oak Bancshares, Inc. (LOB) generate?
The free cash flow of Live Oak Bancshares, Inc. is $143M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Live Oak Bancshares, Inc. (LOB) hold?
Live Oak Bancshares, Inc. holds more cash than debt, $763M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Live Oak Bancshares, Inc. in the live analysis

One click puts Live Oak Bancshares, Inc. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.