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Live Oak Bancshares, Inc. LOB

NYSE · stock · State Commercial Banks · website · IPO 2015-07-23

Live Oak Bancshares, Inc. statistics & valuation

Market cap$1.9B
P / E18.1×
P / B1.5×
P / FCF13.3×
Dividend yield0.29%
Return on equity8.4%
Graham number -13.5%$36.97

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($36.97); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.20% 23.00% 10.40% 3.40% 10.50% 23.40% 21.70% 8.20% 7.70% 8.40% 2016201720182019202020212022202320242025
Shares outstanding
35.1M 37.9M 41.4M 41.1M 41.8M 45.1M 44.9M 45.1M 45.8M 46.0M 2016201720182019202020212022202320242025
Net debt ($)
$27.8M $26.6M $16000 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 3.60% 1.40% 0.40% 0.80% 2.00% 1.80% 0.70% 0.60% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.12× 0.06× 0.00× 2016201720182019202020212022202320242025
EPS ($)
$0.39 $2.65 $1.24 $0.44 $1.43 $3.71 $3.92 $1.64 $1.69 $2.23 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Live Oak Bancshares, Inc. trades at about 19.2× earnings — near its 10-year norm (10-year range 8.7×–52.4×, median 21×).

8.7× 52.4×

Shaded band = 10-year range (8.7×–52.4×); dot = today's 19.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.7%0.6%0.7%1.8%2.0%0.8%0.4%1.4%3.6%0.8%
Return on equity8.4%7.7%8.2%21.7%23.4%10.5%3.4%10.4%23.0%6.2%
Debt / equity———————0.00×0.06×0.12×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.