Saturday 17 October 2026 Export LOB’s income statement to Excel — free account

Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 12.2% from fiscal 2024. In the quarter to June 2026, revenue grew 6.98%, EPS grew 47.1% and free cash flow fell 45.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five; insiders bought in the last twelve months.

34.80 0.35 −1.00%

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Market cap: $1.6B
P/E: 12.1×
Fwd P/E: 12.7×
Dividend yield: 0.34%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13

Total sells 20.53

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	1	—	—	—	—	—	—	—	—	—
Sell	2	6	1	4	4	1	5	3	3	6	6	—

Insider Ownership 21.86%

Capital & Financial Ratios $m

Market Cap 1,630.00

Revenue 1,080.18

Net Income 139.24

Free Cash Flow 248.56

Net Debt (927.88)

Current Ratio 0.95

Debt/Equity 0.00

P/E ratio 12.08

Fwd P/E 12.70

P/S ratio 1.49

P/B ratio 1.32

Past 5Y EPS Growth 9.29%

This Y EPS Growth 60.49%

Next Y EPS Growth 44.72%

Next Y revenue growth (37.22%)

Next 5Y EPS Growth 31.39%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 21.45%

10-year low 10-year high

P/S against its own 10 years 7.00%

10-year low 10-year high

P/B against its own 10 years 14.56%

10-year low 10-year high

Dividends

Payout Ratio 0.04

Annual Dividend Rate 0.12

Annual Dividend Yield 0.34%

	total	individual payouts
2027	Powerpack
2026	0.12	0.03 0.03 0.03
2025	0.12	0.03 0.03 0.03 0.03
2024	0.12	0.03 0.03 0.03 0.03
2023	0.12	0.03 0.03 0.03 0.03
2022	0.12	0.03 0.03 0.03 0.03
2021	0.12	0.03 0.03 0.03 0.03
2020	0.12	0.03 0.03 0.03 0.03
2019	0.12	0.03 0.03 0.03 0.03
2018	0.12	0.03 0.03 0.03 0.03
2017	0.10	0.02 0.02 0.03 0.03
2016	0.07	0.02 0.01 0.02 0.02

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	583	609	865	928
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	9,478	11,021	13,067	13,877

	2023	2024	2025	Q'26
Payables	10,275	11,760	13,689	14,548
ST’ Debt	—	—	—	—
Other	—	—	—	—
	10,298	11,873	13,791	14,647

Compound Annual Growth %

	10y	5y	3y
Sales	24.21%	22.62%	15.00%
Cash Flow	0.00%	0.00%	0.00%
Earnings	17.43%	11.55%	(16.44%)
Book Value	20.18%	17.17%	15.64%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	260	273	—	—	—
’25	235	255	262	286	1,038
’24	219	233	242	232	925
’23	171	194	219	209	792
’22	125	228	174	156	682
’21	119	158	118	126	521
’20	69	89	122	94	374

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	87	31	—	—	—
’25	(30)	53	55	80	158
’24	91	84	(68)	50	157
’23	158	136	155	(265)	185
’22	156	(79)	21	(399)	(301)
’21	(37)	(82)	(15)	14	(120)
’20	(91)	21	(214)	23	(261)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	86	31	—	—	—
’25	(32)	57	56	77	157
’24	70	90	(53)	53	160
’23	148	130	147	(268)	157
’22	137	(87)	13	(406)	(343)
’21	(28)	(83)	(16)	20	(107)
’20	(92)	21	(214)	18	(268)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.60	0.74	—	—	—
’25	0.21	0.51	0.55	0.95	2.23
’24	0.60	0.59	0.28	0.22	1.69
’23	0.01	0.39	0.88	0.36	1.64
’22	0.76	2.16	0.96	0.04	3.92
’21	0.88	1.41	0.76	0.66	3.71
’20	(0.19)	0.09	0.81	0.68	1.43

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	12.10	18.00	13.46	13.09	7.57	38.50	27.50	17.31	31.03	22.68	Analyst estimates 2026–2028 Powerpack
	High	20.20	26.35	32.95	20.46	51.00	99.89	92.73	47.22	50.57	41.56
People
People	Employees	425	528	506	635	639	817	1,004	998	1,052	1,077
	Revenue/emp, $m	0.35	0.52	0.51	0.46	0.59	0.64	0.68	0.79	0.88	0.96
Income, $m
Income, $m	Revenue	151	276	259	291	374	521	682	792	925	1,038
	Gross margin, %	90.30	90.80	78.91	69.85	74.98	87.64	82.86	56.71	52.82	55.67
	EBT	17	98	46	23	47	211	210	83	89	143
	EBT margin, %	11.41	35.55	17.78	8.05	12.66	40.43	30.82	10.45	9.65	13.76
	Net income	14	100	51	18	60	167	176	74	77	106
	Depreciation	7	17	20	20	25	28	24	21	23	30
Per share, $
Per share, $	Revenue	4.41	7.55	6.46	7.25	9.20	12.08	15.56	17.86	20.55	22.71
	Earnings	0.40	2.75	1.28	0.45	1.46	3.87	4.02	1.67	1.72	2.25
	Cash flow	(6.49)	(7.86)	0.16	(12.00)	(6.42)	(2.77)	(6.86)	4.17	3.48	3.46
	Capex	(0.28)	(3.35)	(2.76)	(0.65)	(0.16)	0.30	(0.96)	(0.63)	0.08	(0.02)
	Free cash flow	(6.77)	(11.21)	(2.60)	(12.65)	(6.58)	(2.48)	(7.81)	3.53	3.56	3.44
	Book value	6.52	11.94	12.32	13.24	13.96	16.57	18.49	20.35	22.30	27.44
	Shares, m	34	37	40	40	41	43	44	44	45	46
Valuation, ×
Valuation, ×	P/E	44.97	9.17	11.48	42.24	32.73	22.56	7.55	27.02	23.04	15.33
	P/S	4.12	3.16	2.29	2.62	5.16	7.23	1.95	2.51	1.92	1.51
	P/B	2.79	2.00	1.20	1.44	3.40	5.27	1.64	2.20	1.77	1.36
	EV/Sales	2.67	2.17	1.04	1.84	4.29	6.83	1.33	1.78	1.27	0.68
	EV/FCF	(1.74)	(1.47)	(2.58)	(1.05)	(6.00)	(33.29)	(2.66)	8.98	7.30	4.48
Cash, $m
Cash, $m	Operating cash flow	(222)	(288)	6	(483)	(261)	(120)	(301)	185	157	158
	Capex	(10)	(123)	(110)	(26)	(7)	13	(42)	(28)	4	(1)
	Free cash flow	(232)	(410)	(104)	(509)	(268)	(107)	(343)	157	160	157
Balance, $m
Balance, $m	Working capital	44	38	(329)	(433)	(662)	(648)	(745)	(821)	(852)	(724)
	Total debt	28	27	0	0	1,530	320	85	—	—	—
	Net debt	(217)	(272)	(324)	(229)	(325)	(208)	(421)	(583)	(609)	(865)
	Shareholders’ equity	223	437	494	532	568	715	811	903	1,003	1,254
Returns, %
Returns, %	ROA	0.98	4.45	1.60	0.43	0.94	2.08	1.95	0.70	0.64	0.73
	ROIC	234.77	37.43	16.98	4.95	12.19	26.40	36.27	19.05	14.22	23.07
	ROE	6.52	30.46	11.06	3.52	10.82	26.03	23.09	8.62	8.13	9.51

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BY Byline Bancorp, Inc.	$1.7B	11.2×	10.4×	+1.37% (above 0%: growing)	+36.36% (above 0%: growing)	−32.50% (below 0%: shrinking)	73.03%	0.00%	Compare
FSUN FirstSun Capital Bancorp	$1.7B	19.0×	15.3×	+88.18% (above 0%: growing)	n/m	+8,383.96% (above 0%: growing)	67.96%	0.00%	Compare
NBHC National Bank Holdings Corporation	$1.7B	15.9×	13.3×	+22.58% (above 0%: growing)	−34.83% (below 0%: shrinking)	+394.28% (above 0%: growing)	71.00%	0.00%	Compare
TCBK TriCo Bancshares	$1.7B	12.4×	12.0×	+4.33% (above 0%: growing)	+27.38% (above 0%: growing)	−17.30% (below 0%: shrinking)	80.35%	0.00%	Compare
LOB Live Oak Bancshares, Inc.	$1.6B	12.1×	12.7×	+6.98% (above 0%: growing)	+47.06% (above 0%: growing)	−45.86% (below 0%: shrinking)	57.30%	0.00%
BFC Bank First National Corporation	$1.6B	19.2×	15.0×	+44.08% (above 0%: growing)	+29.24% (above 0%: growing)	+152.03% (above 0%: growing)	75.87%	0.00%	Compare
QCRH QCR Holdings, Inc.	$1.6B	11.6×	11.5×	+5.68% (above 0%: growing)	+28.65% (above 0%: growing)	+1,791.78% (above 0%: growing)	64.70%	0.00%	Compare
RBCAA Republic Bancorp, Inc.	$1.6B	14.1×	12.4×	+1.88% (above 0%: growing)	+4.32% (above 0%: growing)	−102.32% (below 0%: shrinking)	82.94%	0.00%	Compare
OBK Origin Bancorp, Inc.	$1.6B	16.0×	12.2×	+11.11% (above 0%: growing)	+134.04% (above 0%: growing)	+57.26% (above 0%: growing)	71.20%	0.00%	Compare
Median of peers	$1.6B	15.0×	12.3×	+8.40%	+28.65%	+104.65%	72.12%	0.00%

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