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Live Oak Bancshares, Inc. (LOB)
Price$36.06
Favorite Metrics
Price vs S&P 500 (26W)-2.00%
Price vs S&P 500 (4W)9.05%
Market Capitalization$1.67B
P/E Ratio (Annual)15.75x
Indicated Dividend Yield (Annual)0.33%
All Metrics
P/CF (Annual)10.54x
Book Value / Share (Quarterly)$27.15
P/TBV (Annual)1.32x
Indicated Dividend (Annual)$0.12
Revenue Growth (3Y)24.93%
Cash Flow / Share (Quarterly)$3.12
Payout Ratio (TTM)8.06%
Price vs S&P 500 (YTD)3.73%
Net Profit Margin (TTM)13.46%
EPS (TTM)$2.30
10-Day Avg Trading Volume0.24M
EPS Excl Extra (TTM)$2.30
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)15.75x
Revenue Growth QoQ (YoY)55.92%
EPS Growth (5Y)10.07%
P/E Normalized (Annual)15.75x
ROA (Last FY)0.70%
Revenue Growth TTM (YoY)59.56%
EBITD / Share (TTM)$3.76
ROE (5Y Avg)13.90%
Operating Margin (TTM)14.94%
Cash Flow / Share (Annual)$3.12
P/B Ratio1.33x
P/B Ratio (Quarterly)1.26x
Net Income / Employee (Annual)$0
ROA (TTM)0.74%
EPS Growth QoQ (YoY)365.27%
EV / EBITDA (TTM)10.22x
EPS Incl Extra (Annual)$2.30
3-Month Avg Trading Volume0.32M
52-Week Price Return55.75%
EV / Free Cash Flow (Annual)12.33x
P/E Incl Extra (TTM)15.75x
Tangible BV / Share (Quarterly)$25.78
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 Return1.98%
13-Week Price Return1.16%
Total Debt / Equity (Annual)0.08x
Enterprise Value$1,769.815
Revenue / Share Growth (5Y)13.69%
Book Value / Share Growth (5Y)15.24%
Revenue / Employee (Annual)$648,873
Pretax Margin (Annual)37.19%
Cash / Share (Annual)$6.36
3-Month Return Std Dev39.15%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)20.18%
EBITDA Interim CAGR (5Y)33.11%
ROE (Last FY)8.47%
EPS Basic Excl Extra (Annual)$2.30
P/FCF (TTM)4.39x
EV / Free Cash Flow (TTM)12.33x
Total Debt / Equity (Quarterly)0.08x
EPS Incl Extra (TTM)$2.30
ROI (TTM)8.53%
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/E12.02x
Price vs S&P 500 (52W)25.92%
P/E Ratio (TTM)15.75x
EPS Growth TTM (YoY)35.47%
Year-to-Date Return6.38%
5-Day Price Return-0.14%
EPS Normalized (Annual)$2.30
ROA (5Y Avg)1.16%
Net Profit Margin (Annual)31.16%
Month-to-Date Return10.49%
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)10.54x
ROI (5Y Avg)11.73%
P/E Excl Extra (TTM)15.75x
LT Debt / Equity (Quarterly)0.08x
EPS Basic Excl Extra (TTM)$2.30
P/TBV (Quarterly)1.32x
Payout Ratio (Annual)8.06%
P/B Ratio (Annual)1.26x
Dividend / Share (TTM)$0.19
Pretax Margin (TTM)14.94%
Book Value / Share (Annual)$27.15
Price vs S&P 500 (13W)0.48%
Net Margin Growth (5Y)-0.84%
Dividend Yield (TTM)0.51%
Beta1.96x
P/FCF (Annual)11.62x
Revenue / Share (TTM)$9.66
ROE (TTM)9.33%
52-Week Low$22.97
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.67
3.67
3.67
3.67
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
LOBLive Oak Bancshares, Inc. | 1.26x | 9.33% | 0.74% | — | $36.06 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
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 | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
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.