LIVE OAK BANCSHARES INC

LOBNYSE

🏆 #1923 by market capEarnings Oct 28US Equity

$42.85▲ $0.07 (+0.16%)

Live

1h—

24h▲ 0.2%

7d▼ 2.0%

14d▲ 0.6%

30d▲ 3.1%

1y▲ 28.7%

🏦Market Cap

$1.98B

Small Cap

📈Revenue Growth (YoY)

+59.6%

High Growth

📊Gross Margin

—

💵FCF Margin

31.2%

Strong

⚖️P/S Ratio

3.3x

Fair

Otter Score

Weak

Trading Snapshot

Day Range: $42.23 – $43.25
52-Week Range: $29.36 – $44.53
Volume: $3.10B
Avg Volume: $2.86B
Shares Outstanding: 46.3M
Next Earnings: Sep 24, 2026

Fundamentals Snapshot

Annual Revenue: $1.04B
Last Q Revenue: $272M
P/E Ratio: 13.9
P/S Ratio: 3.3x
EPS (TTM): $3.01
Dividend Yield: 0.66%

Why Investors Own LOB

✓High-growth profile — revenue up -4.2% YoY with expanding US Equity exposure.
✓Healthy economics — 41% gross margin and 9% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$1.04B▼ −2.0% YoY

Gross Margin (TTM)

40.6%▲ +2.8% YoY

Operating Income (TTM)

$125M▼ −2.0% YoY

Free Cash Flow (TTM)

$98M▼ −2.0% YoY

About LIVE OAK BANCSHARES INC

Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.

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