Live Oak Bancshares, Inc.

LOB

Live Oak Bancshares, Inc.

LOB

Insider Sentiment (TTM):

Last Purchase:2026-01-26Last Sale:2026-06-24Shares Purchased (TTM):3,595.23Shares Sold (TTM):302,012

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:25,510,232Shares Outstanding:46,138,609Institutional Ownership Pct.:55.29%

Earnings Market Reaction:

Filing Date:2026-08-04Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
Series A Preferred Stock	-	0	0	-0	0	0	0	0	-	-	-	-
Common Class A	-	0	0	0	-46	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 Accru…	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 Dis…	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 Be…	-	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 Exc…	-	-193	-192	-186	-182	-190	-168	-169	-138	-139	-126	-121
Financing Receivable Excluding Accrued Interest Af…	-	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 And Stockhold…
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	1,317	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…	-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	-	245	261	-24	-13	317	329	-20	-16	379	388	0
Financing Receivable Excluding Accrued Interest Be…	-	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	-

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	1.28%	10.34%	12.15%	-	-	-	-	-	-	-	-	-
2025	6.35%	16.52%	31.61%	22.40%	14.51%	8.25%	19.16%	23.61%	37.79%	-12.11%	3.37%	-1.90%
2024	-2.10%	-0.37%	29.76%	7.83%	19.07%	-0.48%	12.16%	-6.61%	-17.08%	-17.00%	-3.99%	-0.17%
2023	-	-	-	-	-	-	2.83%	38.05%	28.42%	-2.47%	-3.41%	-10.31%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.62	-0.64	-0.68	-0.78	-0.81	-0.79	-0.24	0.27	0.83	1.27	1.24	1.22
Per Share Metrics
Diluted EPS TTM	2.94	2.71	2.29	1.50	1.22	1.30	1.69	1.82	2.43	2.21	1.64	1.31
Free Cash Flow Per Share TTM	5.13	5.65	3.14	2.59	-0.19	0.14	2.39	-5.16	-0.26	1.15	2.94	9.97
Dividend Per Share TTM	0.12	0.15	0.15	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12
Margin Metrics
Gross Profit Margin TTM	51.06%	50.28%	49.35%	47.96%	47.06%	46.37%	46.27%	37.97%	38.39%	38.94%	40.09%	53.52%
Operating Profit Margin TTM	19.48%	18.27%	15.72%	10.68%	8.78%	9.63%	10.98%	11.89%	15.62%	13.89%	12.03%	10.35%
Net Profit Margin TTM	14.49%	13.55%	11.63%	7.88%	6.52%	7.15%	9.53%	10.65%	14.58%	13.86%	10.74%	9.33%
Growth Metrics
Net Revenue Growth (1Y)	10.22%	11.54%	11.83%	12.09%	13.31%	14.23%	18.03%	23.18%	32.16%	44.96%	54.85%	59.56%
Net Income Growth (1Y)	145.10%	111.38%	36.46%	-17.11%	-49.35%	-41.09%	4.76%	40.67%	76.52%	-28.86%	-58.06%	-70.90%
EPS Growth (1Y)	141.76%	107.90%	34.39%	-18.39%	-50.08%	-41.89%	3.24%	38.60%	73.98%	-29.82%	-58.53%	-71.22%
Valuation Metrics
P/E TTM	13.77	12.11	14.84	23.17	24.22	20.23	22.87	25.35	14.17	18.24	27.08	21.40
P/B TTM	1.43	1.19	1.25	1.34	1.27	1.17	1.76	2.11	1.63	1.99	2.22	1.50
P/S TTM	2.00	1.64	1.73	1.82	1.58	1.45	2.18	2.70	2.07	2.53	2.91	2.00
Market Cap	1.89B	1.52B	1.57B	1.61B	1.36B	1.20B	1.77B	2.12B	1.57B	1.84B	2.00B	1.27B
Enterprise Value	961.86M	708.44M	702.39M	715.85M	692.65M	460.17M	1.16B	1.46B	950.85M	1.25B	1.42B	739.02M
Calculated Values
Free Cash Flow TTM	237.37M	260.88M	143.49M	118.75M	-8.59M	6.20M	107.47M	-232.45M	-11.76M	51.49M	130.32M	442.63M
Net Debt	-927.63M	-816.14M	-864.90M	-892.45M	-662.76M	-744.26M	-608.80M	-666.59M	-615.45M	-597.39M	-582.54M	-534.77M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-24Sale

Owner: Williams, William L. Iii

Title: -

Shares: 8,400

Price/Share: $40.05

Value: $336,420.00

Shares Owned: 1,130,926

Relationship: Director

Ownership: Indirect

2026-06-11Sale

Owner: Mahan, James S Iii

Title: Chief Executive Officer

Shares: 10,000

Price/Share: $38.19

Value: $381,900.00

Shares Owned: 2,847,844

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

2026-06-04Sale

Owner: Mahan, James S Iii

Title: Chief Executive Officer

Shares: 10,000

Price/Share: $37.46

Value: $374,600.00

Shares Owned: 2,867,844

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

2026-05-28Sale

Owner: Mahan, James S Iii

Title: Chief Executive Officer

Shares: 10,000

Price/Share: $37.25

Value: $372,500.00

Shares Owned: 2,887,844

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

2026-05-21Sale

Owner: Mahan, James S Iii

Title: Chief Executive Officer

Shares: 10,000

Price/Share: $37.17

Value: $371,700.00

Shares Owned: 2,907,844

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-24	Williams, William L. Iii	Director	-	Indirect	Sale	8,400	40.05	$336,420.00	1,130,926	4
2026-06-11	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	38.19	$381,900.00	2,847,844	4
2026-06-04	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	37.46	$374,600.00	2,867,844	4
2026-05-28	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	37.25	$372,500.00	2,887,844	4
2026-05-21	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	37.17	$371,700.00	2,907,844	4
2026-05-20	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	36.99	$369,900.00	2,917,844	4
2026-05-14	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	36.23	$362,300.00	2,927,844	4
2026-05-13	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	35.96	$359,600.00	2,937,844	4
2026-04-30	Derraik, Renato	Officer	Chief Info./Digital Off., Bank	Direct	Sale	75,000	37.83	$2,837,250.00	4,243	4
2026-03-12	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	32.50	$325,000.00	2,947,844	4
2026-03-05	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	35.63	$356,300.00	2,967,844	4
2026-03-02	Phifer, Walter J	Officer	Chief Financial Officer	Direct	Sale	4,712	36.58	$172,364.96	10,103	4
2026-03-02	Seward, Gregory W	Officer	General Counsel	Direct	Sale	3,000	36.70	$110,100.00	113,797	4
2026-02-26	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	39.64	$396,400.00	2,987,844	4
2026-02-19	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	40.04	$400,400.00	3,007,844	4
2026-02-12	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	40.48	$404,800.00	3,027,844	4
2026-02-05	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	40.74	$407,400.00	3,047,844	4
2026-01-26	Stasiowska, Ewa Maria	Officer	Chief Risk Officer	Direct	Purchase	2,595	38.53	$99,994.21	2,595	4
2026-01-26	Spencer, Courtney	Officer	Chief Experience Officer	Direct	Sale	9,700	39.01	$378,397.00	25,160	4
2025-12-19	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	36.17	$361,700.00	3,067,844	4
2025-12-17	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	35.97	$359,700.00	3,077,844	4
2025-12-12	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	35.13	$351,300.00	3,087,844	4
2025-12-10	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	34.17	$341,700.00	3,097,844	4
2025-12-05	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	32.81	$328,100.00	3,107,844	4
2025-12-03	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	33.08	$330,800.00	3,117,844	4
2025-11-28	Mahan, James S Iii	Director,Officer,TenPercentOwner	Chief Executive Officer	Indirect	Sale	10,000	32.04	$320,400.00	3,127,844	4
2025-11-20	Bradford, Tonya Williams	Director	-	Direct	Purchase	1,000	30.24	$30,240.00	6,697	4
2025-11-19	Seward, Gregory W	Officer	General Counsel	Direct	Sale	1,200	30.20	$36,240.00	106,126	4
2025-08-18	Lucht, David G	Director	-	Direct	Purchase	4,000	25.12	$100,480.00	4,000	4
2025-05-07	Cameron, William Henderso…	Director	-	Direct	Purchase	5,000	26.10	$130,500.00	16,904	4
2025-05-06	Bradford, Tonya Williams	Director	-	Direct	Sale	2,500	26.51	$66,275.00	5,697	4
2024-11-13	Sutherland, John W.	Officer	Chief Accounting Officer	Direct	Sale	12,588	49.00	$616,812.00	14,015	4
2024-11-07	Seward, Gregory W	Officer	General Counsel	Direct	Sale	10,000	46.99	$469,900.00	86,882	4
2024-10-29	Cameron, William Henderso…	Director	-	Indirect	Purchase	1,000	39.76	$39,760.00	202,217	4
2024-08-23	Sutherland, John W.	Officer	Chief Accounting Officer	Direct	Sale	20,000	43.00	$860,000.00	26,603	4
2024-05-15	Bradford, Tonya Williams	Director	-	Direct	Sale	2,600	35.97	$93,522.00	5,870	4
2024-03-11	Davis, Micah S	Officer	Chief Marketing & Comm Officer	Direct	Sale	8,613	39.87	$343,400.31	43,864	4
2024-03-07	Sutherland, John W.	Officer	Chief Accounting Officer	Direct	Sale	10,500	40.97	$430,185.00	46,603	4
2024-02-29	Petty, Miltom Emmett	Director	-	Direct	Sale	10,000	39.73	$397,300.00	121,941	4
2023-12-07	Smits, Steve	Officer	Chief Credit Officer	Indirect	Sale	10,000	36.25	$362,500.00	145,751	4
2023-11-17	Sutherland, John W.	Officer	Chief Accounting Officer	Direct	Sale	20,000	33.80	$676,000.00	56,269	4
2023-11-09	Derraik, Renato	Officer	Chief Info./Digital Off., Bank	Direct	Sale	20,000	29.56	$591,200.00	12,928	4
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Institutional Ownership

No data available for chart

2026-03-31

55.29%

Inst. Shares: 25,510,232

Shares Outstanding: 46,138,609

2025-12-31

56.30%

Inst. Shares: 25,730,319

Shares Outstanding: 45,701,364

2025-09-30

50.95%

Inst. Shares: 23,326,431

Shares Outstanding: 45,780,794

2025-06-30

51.86%

Inst. Shares: 23,666,123

Shares Outstanding: 45,634,741

2025-03-31

50.66%

Inst. Shares: 22,987,710

Shares Outstanding: 45,377,965

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	25,510,232	46,138,609	55.29%
2025-12-31	25,730,319	45,701,364	56.30%
2025-09-30	23,326,431	45,780,794	50.95%
2025-06-30	23,666,123	45,634,741	51.86%
2025-03-31	22,987,710	45,377,965	50.66%
2024-12-31	23,261,418	45,009,567	51.68%
2024-09-30	22,511,866	45,073,482	49.94%
2024-06-30	22,703,474	44,974,942	50.48%
2024-03-31	21,607,864	44,762,308	48.27%
2023-12-31	21,801,352	44,353,708	49.15%
2023-09-30	21,414,634	44,408,997	48.22%
2023-06-30	20,947,221	44,327,474	47.26%
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Live 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Live Oak Bancshares, Inc. reported a 10.22% year-over-year revenue growth, a Gross Profit Margin of 51.06% (TTM), a Price-to-Sales (P/S) ratio of 2.00x (TTM), a Price-to-Book (P/B) ratio of 1.43x (TTM), at a market cap of $1.89B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 10.22%
Gross Profit Margin TTM: 51.06%
P/S TTM: 2.00x
P/B TTM: 1.43x
Market Cap: $1.89B

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 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 13.77x as of 2026-06-30.

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.