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Home CompaniesLive Oak Bancshares, Inc.

Live Oak Bancshares, Inc.

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
34.31 USD 0.01 ( 0.03%)
Last update at 2026-11-12T15:44:00Z
VOLUME
8723
Market Cap
1810.62M
P/E
13.68

Momentum Score

…

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
33.99
Low
34.37
High
52 Week Price Range
29.26
Low
44.50
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Live Oak Bancshares operates Live Oak Bank, a commercial bank specializing in small-business and niche-industry lending, notably SBA 7(a) loans, delivered through a technology-enabled origination platform and industry-specific teams. Long-term growth drivers include scale in SBA and specialty lending, deposit gathering and expansion into fee-based services that could support revenue diversification and recurring income, which may appeal to investors.
Key risks are sensitivity to interest-rate cycles and credit losses, concentration in SBA lending and selected industry verticals, regulatory scrutiny, and competitive pressure from larger banks and fintechs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
34.30
Dividend Yield
0.30%
Revenue TTM
526.38M
Revenue Per Share
11.44
Gross Profit TTM
526.38M
Debt / Equity
0.08
ROE
11.68%
Net Debt
-762.75M
ROCE
11.13%
Diluted EPS TTM
2.86

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 160.98M 89.23M 82.83M 210.32M 210.79M
Minority interest 0.23M 0.06M 0.00M - -
Net income 103.78M 77.47M 73.90M 176.21M 167.00M
Selling general administrative 241.63M 194.10M 191.72M 180.58M 155.99M
Selling and marketing expenses 12.22M 11.15M 12.56M 10.54M 5.00M
Gross profit 503.00M 396.61M 382.26M 391.86M 441.99M
Reconciled depreciation 30.40M 23.28M 21.27M 20.78M 21.37M
Ebit 160.98M 89.23M 82.83M 327.30M 210.79M
Ebitda 185.09M 112.52M 104.10M 348.07M 232.15M
Depreciation and amortization 24.11M 23.28M 21.27M 20.78M 21.37M
Operating income 160.98M 89.23M 82.83M 327.30M 210.79M
Other operating expenses 880.26M 840.05M 693.72M -64.56M -231.20M
Interest expense 460.11M 436.47M 342.97M 116.97M 64.43M
Tax provision 37.17M 11.82M 8.93M 34.12M 43.79M
Interest income 908.47M 812.37M 688.27M 444.47M 361.21M
Net interest income 448.36M 375.90M 345.31M 327.50M 296.79M
Income tax expense 57.35M 11.82M 8.93M 34.12M 43.79M
Total revenue 1041.25M 929.29M 776.55M 391.86M 441.99M
Total operating expenses 342.01M 307.38M 299.43M -64.56M -231.20M
Cost of revenue 538.25M 532.68M 394.29M - -
Total other income expense net - -711.99M -20.64M -116.97M -64.43M
Net income from continuing ops 105.64M 77.42M 73.90M 176.21M 167.00M
Net income applicable to common shares 102.82M 77.47M 73.90M 176.21M 167.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 15134.78M 12943.38M 11271.42M 9855.50M 8213.39M
Intangible assets 63.16M 0.99M 1.42M 26.32M 33.57M
Other current assets - - 652.77M -1018.72M -910.80M
Total liab 13880.67M 11939.88M 10684.86M 9044.47M 7498.26M
Total stockholder equity 1249.87M 999.03M 586.56M 811.03M 715.13M
Other current liab 13688.66M 11760.49M 4.55M -50.00M -8.00M
Common stock 388.39M 365.61M 344.57M 330.85M 312.29M
Capital stock 484.65M 365.61M 344.57M 330.85M 312.29M
Retained earnings 809.88M 715.77M 642.82M 572.50M 400.89M
Other liab - - - 73.78M 67.93M
Good will - 32.16M 32.16M - -
Other assets 15134.78M 10822.32M 9304.84M 7278.53M 5969.14M
Cash 865.15M 609.05M 582.79M 284.24M 191.95M
Total current liabilities 13688.66M 11760.49M 5.27M 50.00M 8.00M
Net debt -762.75M -496.23M -559.44M -151.04M 126.34M
Short term debt 0.54M - 0.72M 50.00M 8.00M
Short long term debt - - 0.00M 50.00M 8.00M
Short long term debt total 102.40M 112.82M 23.35M 133.20M 318.29M
Other stockholder equity -44.67M -82.34M -0.00M -92.32M 1.95M
Property plant equipment 240.20M 266.30M 260.68M 263.29M 240.20M
Total current assets 1726.76M 634.39M 1708.70M 1298.96M 1098.01M
Long term investments 861.60M 1248.20M 1126.16M 1014.72M 906.05M
Net tangible assets - - - 811.03M 715.13M
Short term investments 861.60M 25.34M 1126.16M 1014.72M 906.05M
Net receivables 85.00M - - 26.32M 33.57M
Long term debt 102.40M 112.82M 23.35M 83.20M 318.29M
Inventory - - - - 0.62M
Accounts payable - - - 8884.93M 7112.04M
Accumulated other comprehensive income -44.67M -82.34M -84.72M -92.32M 1.95M
Common stock total equity - - - 330.85M 312.29M
Retained earnings total equity - - - 572.50M 400.89M
Non currrent assets other 966.41M 410.21M -1126.16M -1278.01M -1146.25M
Non current assets total 13408.02M 12308.99M 257.88M 1278.01M 1146.25M
Capital lease obligations - - - - 0.01M
Long term debt total 102.40M 112.82M 23.35M 83.20M 318.29M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -60.78M -2079.10M -1925.55M -1391.77M -162.58M
Change to liabilities - - - -6.41M 0.35M
Total cashflows from investing activities -1904.19M -2079.10M -1774.92M -1442.34M -149.80M
Net borrowings -10.42M 89.47M -59.85M -235.09M -1223.80M
Total cash from financing activities 2002.05M 1568.89M 1320.76M 1530.74M 154.95M
Change to operating activities - - - -22.06M 2.08M
Net income 105.64M 77.42M 73.90M 176.21M 167.00M
Change in cash 256.10M 26.26M 165.90M 212.89M -114.57M
Begin period cash flow 608.80M 582.54M 416.64M 203.75M 318.32M
End period cash flow 864.90M 608.80M 582.54M 416.64M 203.75M
Total cash from operating activities 158.24M 536.47M 620.07M 124.48M -119.72M
Issuance of capital stock 96.27M 0.00M 0.00M - -
Depreciation 30.40M 23.28M 21.27M 20.78M 21.37M
Other cashflows from investing activities -1842.41M -1899.38M -1603.65M -6.82M 15.86M
Dividends paid 8.54M 5.41M 5.33M -5.27M -5.19M
Change to account receivables - - -1.86M - -
Sale purchase of stock 99.24M 2.31M -11.23M 3.19M -0.95M
Other cashflows from financing activities 1920.54M 1481.07M 1385.93M 1833.19M -19.15M
Change to netincome - - - -58.29M -282.34M
Capital expenditures 14.76M 49.31M 46.84M 43.75M 3.08M
Change receivables - - - -15.89M 1.75M
Cash flows other operating - - - 4.66M -34.30M
Cash and cash equivalents changes - - - 212.89M -114.57M
Change in working capital 43.58M 5.73M 39.53M -22.06M 2.08M
Stock based compensation 26.21M 26.20M 17.88M 20.35M 16.95M
Other non cash items -35.96M 415.25M 489.66M -97.92M -351.92M
Free cash flow 143.49M 487.16M 573.23M 80.73M -122.80M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
LOB
Live Oak Bancshares, Inc.		 0.01
0.03%		 34.31 13.68 10.19 3.44 1.50 3.52
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

1741 Tiburon Drive, Wilmington, NC, United States, 28403

910 790 5867

https://www.liveoak.bank

1027

Name Title Year Born
Mr. James S. Mahan III Chairman & CEO 1952
Mr. Neil Lawrence Underwood Pres & Director 1969
Mr. William C. Losch III CFO & Chief Banking Officer 1971
Mr. Huntley Garriott Jr. Pres of Live Oak Banking Company 1976
Mr. Renato Derraik Chief Information & Digital Officer of Bank 1972
Mr. William L. Williams III Vice Chairman & Exec. VP 1952
Mr. Mark Moroz Exec. VP & Head of Operations and Payments NA
Mr. John Wesley Sutherland Chief Accounting Officer 1971
Mr. Gregory W. Seward Chief Risk Officer & Gen. Counsel 1976
Ms. Claire Parker Sr. VP of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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