Live Oak Bancshares, Inc.
Financials
Valuation Metrics
Live Oak Bancshares, Inc.'s Market Cap is $1.62B. At end of 2025 it was $1.58B. Ranked #2113 of 3,114 in US market (top 68%), #1299 of 1,645 on NYSE (top 79%), #144 of 245 in Banks (top 59%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.62B | US#2,113/3,114 Sec#144/245 |
| Revenue | $617M | US#2,146/3,114 Sec#100/245 |
| Net Income | $137M | US#1,484/3,114 Sec#133/245 |
| Total Assets | $16.04B | US#713/3,114 Sec#123/245 |
| Net Assets | $1.31B | US#1,572/3,114 Sec#138/245 |
| Employees | 1,027 | US#1,973/3,114 Sec#132/245 |
| Value | ||
| P/E | 11.80x | US#527/3,114 Sec#115/245 |
| P/B | 1.24x | US#680/3,114 Sec#114/245 |
| PEG | 0.08x | US#182/3,114 Sec#9/245 |
| P/S | 2.63x | US#1,569/3,114 Sec#38/245 |
| EV/EBITDA | 10.52x | US#908/3,114 Sec#90/245 |
| FCF Yield | -2.92% | US—/3,114 Sec—/245 |
| Profitability | ||
| ROE | 10.47% | US#1,316/3,114 Sec#130/245 |
| ROA | 0.86% | US#2,042/3,114 Sec#189/245 |
| Op. Margin | 32.83% | US#442/3,114 Sec#128/245 |
| Revenue Growth | 20.35% | US#669/3,114 Sec#49/245 |
| Earnings Growth | 145.17% | US#209/3,114 Sec#9/245 |
| Financial Health | ||
| Debt Ratio | 1121.31% | US#2,755/3,114 Sec#211/245 |
| Total Debt | $100M | US#2,444/3,114 Sec#217/245 |
| FCF | $-47M | US#2,524/3,114 Sec#234/245 |
| Cash | $-592M | US—/3,114 Sec—/245 |
| Net Debt/EBITDA | 3.15x | US#1,651/3,114 Sec#144/245 |
| Dividend | ||
| Div. Yield | 0.31% | US#1,599/3,114 Sec#220/245 |
| Div. Growth | 1.54% | US#1,102/3,114 Sec#162/245 |
| Performance | ||
| 1Y Return | 12.57% | US#1,686/3,114 Sec#215/245 |
| 1M Return | -4.43% | US#1,961/3,114 Sec#208/245 |
| From 52W High | -21.28% | US#1,433/3,114 Sec#221/245 |
| 1Y MDD | -23.88% | US#895/3,114 Sec#211/245 |
| Trading | ||
| Volume | 182,737 shares | US#2,240/3,114 Sec#110/245 |
| Trading Value | $6M | US#2,089/3,114 Sec#122/245 |
| Per Share | ||
| EPS | $2.97 | US#1,061/3,114 Sec#135/245 |
| BPS | $28.38 | US#932/3,114 Sec#145/245 |
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.