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Live Oak Bancshares LOB · USD

Financials · US listing · 🇺🇸 United States

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34.64

+2.12%

Close of 9 Nov 2026, in USD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in USD, from our data supplier.

FY2025

Revenue, before interest expense

$1.04bn

FY2016FY2025

Net income

$103.8m

FY2016FY2025

Total assets

$15.13bn

FY2016FY2025

Shareholders' equity

$1.25bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense$1.04bn$929.3m$776.6m$508.8m$506.4m$378.3m$289.5m$253.3m$203.2m$144.8m
Operating income$161.0m$89.2m$82.8m$210.3m$210.8m$47.4m$23.5m$46.0m$98.3m$17.2m
Net income$103.8m$77.5m$73.9m$176.2m$167.0m$59.5m$18.0m$51.4m$100.5m$13.8m
Diluted earnings per share2.241.681.633.933.671.370.441.252.440.39

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets$15.13bn$12.94bn$11.27bn$9.86bn$8.21bn$7.87bn$4.81bn$3.67bn$2.76bn$1.76bn
Cash and short-term investments$1.73bn$634.4m$1.71bn$1.30bn$1.10bn$1.05bn$674.0m$704.6m$391.6m$316.3m
Total liabilities$13.88bn$11.94bn$10.68bn$9.04bn$7.50bn$7.30bn$4.29bn$3.18bn$2.32bn$1.53bn
Debt$102.4m$112.8m$23.4m$83.2m$318.3m$1.54bn—$1.5m$26.6m$27.8m
Shareholders' equity$1.25bn$999.0m$586.6m$811.0m$715.1m$567.9m$522.4m$493.6m$436.9m$222.8m
Shares outstanding46m46m45m45m45m43m41m41m41m35m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense$272.5m$259.9m$289.4m$258.4m$257.1m$236.3m$239.9m$238.3m
Operating income$45.8m$40.1m$80.1m$36.6m$31.2m$13.1m$13.2m$17.8m
Net income$36.8m$30.0m$44.1m$26.5m$23.4m$9.7m$9.9m$13.0m
Diluted earnings per share0.790.640.950.570.510.210.210.28
Total assets$16.04bn$15.30bn$15.13bn$14.67bn$13.83bn$13.60bn$12.94bn$12.61bn
Cash and short-term investments$927.6m$1.69bn$1.73bn$1.64bn$1.39bn$1.45bn$634.4m$1.90bn
Debt$99.8m$99.7m$102.9m$105.0m$107.7m$110.2m$112.8m$115.4m
Shareholders' equity$1.31bn$1.28bn$1.25bn$1.20bn$1.06bn$1.03bn$999.0m$1.01bn

Financial ratios

Data as of 31 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin15.5%9.6%10.7%41.3%41.6%12.5%
Net margin10.0%8.3%9.5%34.6%33.0%15.7%
Return on equity8.3%7.8%12.6%21.7%23.4%10.5%
Return on assets0.7%0.6%0.7%1.8%2.0%0.8%
Revenue growth12.0%19.7%52.6%0.5%33.9%30.7%
Earnings growth34.0%4.8%-58.1%5.5%180.5%230.2%
Current ratio0.13x0.05x324.11x0.15x137.25x72.73x
Debt to equity0.08x0.11x0.04x0.16x0.46x2.74x
Equity ratio8.3%7.7%5.2%8.2%8.7%7.2%
Interest coverage0.35x0.20x0.24x1.80x3.27x0.51x
Buybacks as a share of market value-0.3%-1.9%-1.1%1.5%-4.9%-5.2%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue27.0%22.4%24.9%
Operating income-8.5%27.7%16.7%
Net income-16.2%11.8%17.5%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin12.7%16.7%19.4%19.8%
Net margin9.2%13.2%15.9%16.8%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings15.323.627.97.723.834.543.411.89.847.3
Price to sales1.52.02.62.77.85.42.72.44.84.5

Market value over time

30 Nov 2016 to 30 Oct 2026, in USD

$607.3m$1.62bn

Share price return

Finished calendar years

2025202420232022202120202019201820172016
Return-9%-12%56%-62%52%160%38%-43%22%48%

Dividends and splits

Per share, in the currency the company pays

Paid for 11 years. Last went ex-dividend on 1 Sept 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year0.090.120.120.120.120.120.120.12

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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