Live Oak Bancshares, Inc. (LOB)

Price$37.36

Value ScoreD

Growth ScoreA

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)13.38%

Price vs S&P 500 (4W)-2.66%

VGM Score60.54

Market Capitalization$1.76B

P/E Ratio (Annual)16.62x

Indicated Dividend Yield (Annual)0.32%

All Metrics

P/CF (Annual)11.12x

Book Value / Share (Quarterly)$27.63

P/TBV (Annual)1.32x

Indicated Dividend (Annual)$0.12

Revenue Growth (3Y)24.93%

Cash Flow / Share (Quarterly)$2.73

Payout Ratio (TTM)8.44%

Price vs S&P 500 (YTD)-0.22%

Net Profit Margin (TTM)13.46%

EPS (TTM)$2.73

10-Day Avg Trading Volume0.23M

EPS Excl Extra (TTM)$2.73

Revenue Growth (5Y)33.85%

EPS (Annual)$2.30

Dividend / Share (Annual)$0.19

ROI (Annual)7.83%

Net Profit Margin (5Y Avg)27.39%

Cash / Share (Quarterly)$12.02

P/E Basic Excl Extra (TTM)13.94x

Revenue Growth QoQ (YoY)55.92%

EPS Growth (5Y)10.07%

P/E Normalized (Annual)16.62x

ROA (Last FY)0.70%

Revenue Growth TTM (YoY)59.56%

EBITD / Share (TTM)$2.15

ROE (5Y Avg)13.90%

Operating Margin (TTM)14.94%

Cash Flow / Share (Annual)$3.12

P/B Ratio1.38x

P/B Ratio (Quarterly)1.20x

Net Income / Employee (Annual)$103,100

ROA (TTM)0.86%

EPS Growth QoQ (YoY)204.10%

EV / EBITDA (TTM)9.12x

EPS Incl Extra (Annual)$2.30

3-Month Avg Trading Volume0.29M

52-Week Price Return36.26%

EV / Free Cash Flow (Annual)12.96x

P/E Incl Extra (TTM)13.94x

Tangible BV / Share (Quarterly)$26.23

P/S Ratio (Annual)2.57x

52-Week High$42.89

EPS Excl Extra (Annual)$2.30

CapEx CAGR (5Y)-6.81%

Tangible BV CAGR (5Y)17.32%

26-Week Price Return29.31%

13-Week Price Return-3.38%

Total Debt / Equity (Annual)0.08x

Enterprise Value$1.86B

Revenue / Share Growth (5Y)13.69%

Book Value / Share Growth (5Y)15.24%

Revenue / Employee (Annual)$648,873,200,000

Pretax Margin (Annual)37.19%

Cash / Share (Annual)$6.36

3-Month Return Std Dev32.37%

Net Income / Employee (TTM)$122,900

EBITDA CAGR (5Y)16.92%

EBITDA Interim CAGR (5Y)-6.04%

ROE (Last FY)8.47%

EPS Basic Excl Extra (Annual)$2.30

P/FCF (TTM)4.85x

EV / Free Cash Flow (TTM)14.74x

Total Debt / Equity (Quarterly)0.08x

EPS Incl Extra (TTM)$2.73

ROI (TTM)9.70%

Dividend Growth Rate (5Y)9.55%

P/S Ratio (TTM)3.29x

Pretax Margin (5Y Avg)31.44%

Revenue / Share (Annual)$12.59

Tangible BV / Share (Annual)$25.78

Forward P/E11.41x

Price vs S&P 500 (52W)8.05%

P/E Ratio (TTM)13.94x

EPS Growth TTM (YoY)109.52%

Year-to-Date Return10.71%

5-Day Price Return2.01%

EPS Normalized (Annual)$2.30

ROA (5Y Avg)1.16%

Net Profit Margin (Annual)31.16%

Month-to-Date Return1.14%

Cash Flow / Share (TTM)$1.76

EBITD / Share (Annual)$3.76

EPS Growth (3Y)-16.32%

Operating Margin (Annual)37.19%

LT Debt / Equity (Annual)0.08x

P/CF (TTM)12.51x

ROI (5Y Avg)11.62%

P/E Excl Extra (TTM)13.94x

LT Debt / Equity (Quarterly)0.08x

EPS Basic Excl Extra (TTM)$2.73

P/TBV (Quarterly)1.26x

Payout Ratio (Annual)8.06%

P/B Ratio (Annual)1.26x

Dividend / Share (TTM)$0.23

Pretax Margin (TTM)14.94%

Book Value / Share (Annual)$27.15

Price vs S&P 500 (13W)-13.13%

Net Margin Growth (5Y)-0.84%

Dividend Yield (TTM)0.61%

Beta1.92x

P/FCF (Annual)12.26x

Revenue / Share (TTM)$9.66

ROE (TTM)10.54%

52-Week Low$26.77

vGradeD

gGradeA

mGradeB

vgmGradeB

Show chart for

Earnings Surprise History

Q1 260.60est. 0.51

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.67

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
LOBLive Oak Bancshares, Inc.	D	A	B	$37.36
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

Live Oak Bancshares is the holding company for Live Oak Banking Company, a bank specializing in small business lending nationwide. The company leverages deep industry expertise across targeted verticals while also serving select borrowers in other sectors. A significant portion of its loan portfolio consists of SBA and USDA-backed loans, providing additional credit protection and risk mitigation.