Live Oak Bancshares, Inc.
LOB NYSE· State Commercial Banks
Last close · Oct 26, 2026
$34.68
KIRA · Stoqly’s AI analyst, in plain words
- Live Oak Bancshares, Inc. had $578M of revenue in fiscal 2025, up 18.3% on the year before. Over five years, revenue changed +15.5% a year on average.
- Live Oak Bancshares, Inc. made $106M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 21.4% a year.
- Live Oak Bancshares, Inc. returned $5.5M to shareholders in fiscal 2025, 4% of free cash flow. The diluted share count rose 0.5%.
- It earned 9.4% on shareholders’ money. Running costs took 58.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.6B
P/E
12.2x
Revenue
$578M
Net income
$106M
Return on equity
9.4%
Efficiency ratio
58.6%
Live Oak Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+18.3%
Yes. Sales grew 18.3% last year.
Does it make a profit?
18.3%
Yes. It keeps 18.3% of every sale as profit.
How lean are its costs?
58.6%
Average. Running costs take 58.6% of revenue.
How much does it earn on its capital?
9.4%
Fair. It earns 9.4% a year on shareholders’ money.
How is the share priced?
12.2x
One share costs 12.2 times its yearly profit per share.
What Live Oak Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- Live Oak Bancshares, Inc.
- CIK
- 0001462120
Live Oak Bancshares, Inc. · LOB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $457M | $565M | $449M | $489M | $578M |
| Revenue growth | 62.8% | 23.7% | −20.5% | 8.7% | 18.3% |
| Net interest income | $297M | $328M | $345M | $376M | $448M |
| Net income | $167M | $176M | $73.9M | $77.5M | $106M |
| Net margin | 36.5% | 31.2% | 16.4% | 15.9% | 18.3% |
| Diluted EPS | $3.71 | $3.92 | $1.64 | $1.69 | $2.23 |
| Cash | |||||
| Cash from operations | −$120M | −$301M | $185M | $157M | $158M |
| Capital expenditure | $3.1M | $43.8M | $46.8M | $49.3M | $14.8M |
| Free cash flow | −$123M | −$344M | $138M | $107M | $143M |
| FCF margin | −26.9% | −60.9% | 30.7% | 22.0% | 24.8% |
| Dividends paid | $5.2M | $5.3M | $5.3M | $5.4M | $5.5M |
| Share count change | 7.9% | −0.4% | 0.4% | 1.6% | 0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $204M | $417M | $583M | $609M | $865M |
| Loans, net | $5.5B | $7.2B | $8.5B | $10.1B | $11.8B |
| Deposits | $7.1B | $8.9B | $10.3B | $11.8B | $13.7B |
| Shareholders' equity | $715M | $811M | $903M | $999M | $1.2B |
| Returns and quality | |||||
| Return on equity | 26.0% | 23.1% | 8.6% | 8.1% | 9.4% |
| Return on tangible equity | 23.4% | 21.8% | 8.2% | 7.8% | 8.2% |
| Efficiency ratio | 50.5% | 55.6% | 70.1% | 62.0% | 58.6% |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$20.5M
9 insiders
Of sales under plans
80%
$16.5M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Live Oak Bancshares, Inc. · LOB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $34.68 a share, the company is worth $1.6B: 12.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001462120). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.