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Live Oak Bancshares, Inc. (LOB)
Financial Services · Banks - Regional · NYSE
Live Oak Bancshares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $391.86M | $425.85M | $481.69M | $541.23M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $13.77M | $100.50M | $51.45M | $18.03M | $59.54M | $167.00M | $176.21M | $73.90M | $77.47M | $105.87M |
| Net margin | — | — | — | — | — | — | 45.0% | 17.4% | 16.1% | 19.6% |
Source: Live Oak Bancshares, Inc. SEC filings (10-K). 13 years of history available in the interactive view.
What growth is priced into LOB stock?
At today's market cap of $1.76B, Live Oak Bancshares, Inc. is priced for free-cash-flow growth of about 1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $143.49M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 13 years of Live Oak Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Live Oak Bancshares, Inc. financial history by metric
About 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.
Live Oak Bancshares, Inc. — frequently asked questions
What is Live Oak Bancshares, Inc.'s revenue?
Live Oak Bancshares, Inc. (LOB) reported revenue of $541.23M for fiscal year 2025, up 12.4% from the prior year, according to its SEC filings.
Is Live Oak Bancshares, Inc. profitable?
Yes. LOB earned net income of $105.87M in fiscal 2025, a net margin of 19.6%.
What is LOB's P/E ratio?
Live Oak Bancshares, Inc. trades at a price-to-earnings ratio of about 14.5 based on the latest data in our nightly-refreshed cache.
How much debt does Live Oak Bancshares, Inc. have?
As of fiscal year 2025, LOB carried roughly $102.40M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Live Oak Bancshares, Inc.'s market cap?
Live Oak Bancshares, Inc. (LOB) has a market capitalization of about $1.76B, based on the latest data in our nightly-refreshed cache.
When does Live Oak Bancshares, Inc.'s fiscal year end?
LOB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into LOB stock?
At today's market cap of $1.76B, Live Oak Bancshares, Inc. is priced for free-cash-flow growth of about 1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $143.49M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Live Oak Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 13 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.