LOB
Live Oak Bancshares, Inc.Company Information
- Company Name
- Live Oak Bancshares, Inc.
- CIK
- CIK0001462120
- Category
- Large accelerated filer
- Ticker: Exchange
- LOB: NYSE, LOB-PA: NYSE
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- LOB
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-01-26
- Last sale
- 2026-09-10
- Shares purchased (TTM)
- 3,595.23
- Shares sold (TTM)
- 400,065.8
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 26,446,472
- Shares outstanding
- 46,265,757
- Ownership
- 57.16%
Earnings Market Reaction
- Filing date
- 2026-08-04
- Price on filing date
- —
- 1-month reaction
- -8.02%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Series A Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | - | - | ||||||
| Common Class A | 0 | 0 | 0 | -46 | 0 | 46 | 0 | 0 | 0 | 45 | 0 | 0 | ||||||
| Common Class B | - | - | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Cash And Due From Banks | 928 | 816 | 865 | 892 | 663 | 744 | 609 | 667 | 615 | 597 | 583 | 535 | ||||||
| Federal Funds Sold | - | - | - | - | - | - | - | - | - | - | 0 | 0 | ||||||
| Certificates Of Deposit At Carrying Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 1,468 | 1,435 | 1,427 | 1,373 | 1,325 | 1,313 | 1,248 | 1,233 | 1,151 | 1,121 | 1,126 | 1,100 | ||||||
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 512 | 435 | 420 | 361 | 351 | 368 | 346 | 360 | 364 | 311 | 387 | 573 | ||||||
Assets | ||||||||||||||||||
| Assets | 16,038 | 15,300 | 15,135 | 14,666 | 13,831 | 13,596 | 12,943 | 12,607 | 11,869 | 11,506 | 11,271 | 10,950 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 12,631 | 12,158 | 11,974 | 11,555 | 11,014 | 10,694 | 10,233 | 9,832 | 9,172 | 8,913 | 8,634 | 8,203 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -193 | -193 | -192 | -186 | -182 | -190 | -168 | -169 | -138 | -139 | -126 | -121 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 12,437 | 11,965 | 11,781 | 11,369 | 10,832 | 10,504 | 10,066 | 9,663 | 9,034 | 8,774 | 8,508 | 8,081 | ||||||
| Property Plant And Equipment Net | 231 | 235 | 240 | 241 | 246 | 259 | 264 | 267 | 268 | 258 | 258 | 258 | ||||||
| Foreclosed Assets | 11 | 12 | 8 | 11 | 6 | 2 | 2 | 8 | 8 | 9 | 6 | 7 | ||||||
| Servicing Asset | 67 | 65 | 63 | 62 | 60 | 57 | 56 | 53 | 52 | 49 | 49 | - | ||||||
| Other Assets | 384 | 337 | 329 | 356 | 347 | 349 | 352 | 356 | 376 | 387 | 354 | 346 | ||||||
Liabilities | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 605 | 511 | 515 | 494 | 393 | 386 | 319 | 259 | 264 | 227 | 259 | 240 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 14,548 | 13,835 | 13,689 | 13,291 | 12,595 | 12,396 | 11,760 | 11,401 | 10,707 | 10,383 | 10,275 | 10,004 | ||||||
| Interest Bearing Deposit Liabilities | 13,942 | 13,324 | 13,174 | 12,797 | 12,201 | 12,010 | 11,442 | 11,142 | 10,443 | 10,157 | 10,016 | 9,764 | ||||||
| Debt Longterm And Shortterm Combined Amount | 100 | 100 | 102 | 105 | 108 | 110 | 113 | 115 | 118 | 120 | 23 | 26 | ||||||
| Other Liabilities | 74 | 83 | 90 | 68 | 61 | 58 | 67 | 84 | 83 | 74 | 70 | 71 | ||||||
| Liabilities | 14,721 | 14,018 | 13,881 | 13,463 | 12,764 | 12,564 | 11,940 | 11,600 | 10,908 | 10,578 | 10,369 | 10,100 | ||||||
| Preferred Stock Value | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
Stockholders Equity | ||||||||||||||||||
| Stockholders Equity | 1,313 | 1,278 | 1,250 | 1,198 | 1,063 | 1,027 | 999 | 1,008 | 961 | 928 | 903 | 850 | ||||||
| Retained Earnings Accumulated Deficit | 870 | 836 | 810 | 771 | 746 | 724 | 716 | 707 | 695 | 669 | 643 | 628 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -53 | -47 | -45 | -52 | -62 | -68 | -82 | -61 | -91 | -91 | -85 | -118 | ||||||
| Minority Interest | 4 | 4 | 4 | 4 | 4 | 4 | 4 | - | - | - | 0 | - | ||||||
| Liabilities And Stockholders Equity | 16,038 | 15,300 | 15,135 | 14,666 | 13,831 | 13,596 | 12,943 | 12,607 | 11,869 | 11,506 | 11,271 | 10,950 | ||||||
| Preferred Stock | - | - | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Receivables Under The Fair Value Option | -13 | 245 | 261 | -24 | -13 | 317 | 329 | -20 | -16 | 379 | 388 | 0 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss Fee And Loan In Process | 12,669 | 12,196 | 12,010 | 11,588 | 11,048 | 10,728 | 10,263 | 9,860 | 9,195 | 8,935 | 8,656 | 8,219 | ||||||
| Preferred Stock No Par Value | - | - | - | - | - | - | - | - | - | - | 0 | - | ||||||
| Servicing Asset At Fair Value Amount | 67 | 65 | 63 | 62 | 60 | 57 | 56 | 52 | 51 | 49 | 48 | 47 | ||||||
| Preferred Stock Shares Authorized | - | - | - | - | - | - | - | - | - | - | 1 | - | ||||||
| Preferred Stock Shares Issued | - | - | - | - | - | - | - | - | - | - | 0 | - | ||||||
| Preferred Stock Shares Outstanding | - | - | - | - | - | - | - | - | - | - | 0 | - | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialLive Oak Bancshares, Inc. (LOB) — SEC Financial Statements & Analysis
Live Oak Bancshares, Inc. (LOB) is a state commercial banks company, incorporated in NC. Live Oak Bancshares, Inc. trades on NYSE as: LOB, LOB-PA. Live Oak Bancshares, Inc. (LOB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04. Based on that filing, Live Oak Bancshares, Inc. carries a market cap of $1.89B, a P/E ratio of 13.57x, a P/B ratio of 1.43x, a P/S ratio of 1.99x, an enterprise value of $960.42M, and an EV/EBITDA multiple of -3.57x. On profitability, it posts a gross margin of 51.06%, an operating margin of 19.48%, a net margin of 14.70%, a Return on Equity (ROE) of 11.67%, and a Return on Invested Capital (ROIC) of -54.42%. Per share, it reports EPS of $3.01, diluted EPS of $2.99, free cash flow per share of $5.13, and a dividend per share of $0.12. Over the trailing year, it posted revenue growth of 10.22% year-over-year, net income growth of 148.42% year-over-year, and EPS growth of 145.03% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.62x, free cash flow of $237.37M (TTM), and net debt of $-927.63M. Figures sourced from SEC EDGAR.
- Market Cap
- $1.89B
- P/E TTM
- 13.57x
- EPS TTM
- $3.01
- P/B TTM
- 1.43x
- ROE TTM
- 11.67%
- Free Cash Flow TTM
- $237.37M
- Net Revenue TTM Growth 1Y
- 10.22%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Live Oak Bancshares, Inc. in?
Live Oak Bancshares, Inc. (LOB) operates in the State Commercial Banks industry.
What exchange does LOB trade on?
Live Oak Bancshares, Inc. (LOB) trades on the NYSE.
Where is Live Oak Bancshares, Inc. incorporated?
Live Oak Bancshares, Inc. is incorporated in NC.
When was Live Oak Bancshares, Inc. (LOB)'s most recent SEC filing?
Live Oak Bancshares, Inc. (LOB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04.
What is LOB's market cap?
Live Oak Bancshares, Inc. (LOB) has a market capitalization of $1.89B as of 2026-06-30.
What is LOB's P/E ratio?
Live Oak Bancshares, Inc. (LOB)'s trailing twelve month P/E ratio is 13.57x as of 2026-06-30.
What is LOB's EPS (earnings per share)?
Live Oak Bancshares, Inc. (LOB)'s trailing twelve month EPS is $3.01 as of 2026-06-30.
What is LOB's ROE (return on equity)?
Live Oak Bancshares, Inc. (LOB)'s trailing twelve month Return on Equity (ROE) is 11.67% as of 2026-06-30.
What is LOB's ROIC (return on invested capital)?
Live Oak Bancshares, Inc. (LOB)'s trailing twelve month Return on Invested Capital (ROIC) is -54.42% as of 2026-06-30.
What is LOB's EV/EBITDA?
Live Oak Bancshares, Inc. (LOB)'s trailing twelve month EV/EBITDA is -3.57x as of 2026-06-30.