Price Alert

Live Oak Bancshares Inc. (LOB)

NYSE: LOB · Real-Time Price · USD

34.42

-0.07 (-0.20%)

At close: Aug 15, 2025, 2:33 PM

Live Oak Bancshares Statistics

Share Statistics

Live Oak Bancshares has 45.73M shares outstanding. The number of shares has increased by 1.27% in one year.

Shares Outstanding	45.73M
Shares Change (YoY)	1.27%
Shares Change (QoQ)	0.93%
Owned by Institutions (%)	66.29%
Shares Floating	34.96M
Failed to Deliver (FTD) Shares	991
FTD / Avg. Volume	0.41%

Short Selling Information

The latest short interest is 1.69M, so 3.69% of the outstanding shares have been sold short.

Short Interest	1.69M
Short % of Shares Out	3.69%
Short % of Float	5.89%
Short Ratio (days to cover)	7.26

Valuation Ratios

The PE ratio is 22.98 and the forward PE ratio is 9.31. Live Oak Bancshares's PEG ratio is 7.67.

PE Ratio	22.98
Forward PE	9.31
PS Ratio	1.92
Forward PS	2.2
PB Ratio	1.78
P/FCF Ratio	3.65
PEG Ratio	7.67

Financial Ratio History

Enterprise Valuation

Live Oak Bancshares has an Enterprise Value (EV) of 1.28B.

EV / Sales	1.38
EV / EBITDA	11.41
EV / EBIT	2.39
EV / FCF	2.64

Financial Position

The company has a current ratio of 0.05, with a Debt / Equity ratio of 0.11.

Current Ratio	0.05
Quick Ratio	0.05
Debt / Equity	0.11
Debt / EBITDA	1
Debt / FCF	0.23
Interest Coverage	0.2

Financial Efficiency

Return on Equity is 7.75% and Return on Invested Capital is 6.54%.

Return on Equity	7.75%
Return on Assets	0.6%
Return on Invested Capital	6.54%
Revenue Per Employee	$921.91K
Profits Per Employee	$76.86K
Employee Count	1,008
Asset Turnover	0.07
Inventory Turnover	n/a

Taxes

Income Tax	11.82M
Effective Tax Rate	13.24%

Stock Price Statistics

The stock price has increased by -17.04% in the last 52 weeks. The beta is 1.83, so Live Oak Bancshares's price volatility has been higher than the market average.

Beta	1.83
52-Week Price Change	-17.04%
50-Day Moving Average	30.42
200-Day Moving Average	33.89
Relative Strength Index (RSI)	47.46
Average Volume (20 Days)	240,817

Income Statement

In the last 12 months, Live Oak Bancshares had revenue of 929.29M and earned 77.47M in profits. Earnings per share was 1.72.

Revenue	929.29M
Gross Profit	396.61M
Operating Income	89.23M
Net Income	77.47M
EBITDA	112.52M
EBIT	89.23M
Earnings Per Share (EPS)	1.72

Full Income Statement

Balance Sheet

The company has 609.05M in cash and 112.82M in debt, giving a net cash position of 496.23M.

Cash & Cash Equivalents	609.05M
Total Debt	112.82M
Net Cash	496.23M
Retained Earnings	715.77M
Total Assets	13.6B
Working Capital	-10.95B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 536.47M and capital expenditures -49.31M, giving a free cash flow of 487.16M.

Operating Cash Flow	536.47M
Capital Expenditures	-49.31M
Free Cash Flow	487.16M
FCF Per Share	10.82

Full Cash Flow Statement

Margins

Gross margin is 42.68%, with operating and profit margins of 9.6% and 8.34%.

Gross Margin	42.68%
Operating Margin	9.6%
Pretax Margin	9.6%
Profit Margin	8.34%
EBITDA Margin	12.11%
EBIT Margin	9.6%
FCF Margin	52.42%

Dividends & Yields

LOB pays an annual dividend of $0.15, which amounts to a dividend yield of 0.43%.

Dividend Per Share	$0.15
Dividend Yield	0.43%
Dividend Growth (YoY)	0%
Payout Ratio	12.4%
Earnings Yield	4.35%
FCF Yield	27.37%

Dividend Details

Analyst Forecast

The average price target for LOB is $44, which is 38% higher than the current price. The consensus rating is "Hold".

Price Target	$44
Price Target Difference	38%
Analyst Consensus	Hold
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$8.6
Lynch Upside	-73.02%
Graham Number	29.32
Graham Upside	-8.03%

Scores

Altman Z-Score	-0.73
Piotroski F-Score	5