Live Oak Bancshares, Inc.
Financials
Valuation Metrics
Live Oak Bancshares, Inc.'s Market Cap is $1.77B. At end of 2025 it was $1.58B. Ranked #2116 of 3,121 in US market (top 68%), #1289 of 1,658 on NYSE (top 78%), #141 of 248 in Banks (top 57%) by Market Cap.
Investment Metrics(as of 2026-09-18)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.77B | US#2,116/3,121 Sec#141/248 |
| Revenue | $617M | US#2,169/3,121 Sec#107/248 |
| Net Income | $137M | US#1,490/3,121 Sec#134/248 |
| Total Assets | $16.04B | US#720/3,121 Sec#124/248 |
| Net Assets | $1.31B | US#1,579/3,121 Sec#139/248 |
| Employees | 1,027 | US#1,981/3,121 Sec#133/248 |
| Value | ||
| P/E | 12.89x | US#604/3,121 Sec#138/248 |
| P/B | 1.35x | US#739/3,121 Sec#140/248 |
| PEG | 0.09x | US#194/3,121 Sec#15/248 |
| P/S | 2.87x | US#1,653/3,121 Sec#42/248 |
| EV/EBITDA | 11.21x | US#1,000/3,121 Sec#96/248 |
| FCF Yield | -2.67% | US—/3,121 Sec—/248 |
| Profitability | ||
| ROE | 10.47% | US#1,320/3,121 Sec#130/248 |
| ROA | 0.86% | US#2,044/3,121 Sec#190/248 |
| Op. Margin | 32.84% | US#445/3,121 Sec#133/248 |
| Revenue Growth | 21.08% | US#651/3,121 Sec#53/248 |
| Earnings Growth | 145.17% | US#214/3,121 Sec#13/248 |
| Financial Health | ||
| Debt Ratio | 1121.31% | US#2,767/3,121 Sec#212/248 |
| Total Debt | $100M | US#2,445/3,121 Sec#218/248 |
| FCF | $-47M | US#2,520/3,121 Sec#233/248 |
| Cash | $-592M | US—/3,121 Sec—/248 |
| Net Debt/EBITDA | 3.15x | US#1,654/3,121 Sec#145/248 |
| Dividend | ||
| Div. Yield | 0.29% | US#1,609/3,121 Sec#221/248 |
| Div. Growth | 1.54% | US#1,107/3,121 Sec#163/248 |
| Performance | ||
| 1Y Return | 2.80% | US#1,649/3,121 Sec#211/248 |
| 1M Return | -6.35% | US#2,468/3,121 Sec#242/248 |
| From 52W High | -14.00% | US#1,064/3,121 Sec#215/248 |
| 1Y MDD | -23.88% | US#985/3,121 Sec#214/248 |
| Trading | ||
| Volume | 193,105 shares | US#2,788/3,121 Sec#163/248 |
| Trading Value | $7M | US#2,611/3,121 Sec#177/248 |
| Per Share | ||
| EPS | $2.97 | US#1,065/3,121 Sec#136/248 |
| BPS | $28.38 | US#937/3,121 Sec#146/248 |
Company Info
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.