Live Oak Bancshares, Inc. (LOB) Stock

About Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. (LOB) stock trades at $35.15 with a market capitalization of $1.63B. The stock is valued at a price-to-earnings (P/E) ratio of 12.71, price-to-book of 1.29, price-to-sales of 1.57. Over the past 52 weeks the stock has ranged between $29.36 and $44.53, and currently trades 21.1% below its 52-week high. It pays a dividend yielding 0.33%.

On profitability, Live Oak Bancshares, Inc. generates a return on equity (ROE) of 10.91%, return on capital employed of 1.26%, an operating margin of 17.65%, a net profit margin of 12.73%.

Live Oak Bancshares, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Live Oak Bancshares, Inc. reported revenue of $145.0M rising to $1.0B, a change of +617.9% across 10 years. Compounded, revenue has grown 22.5% a year over five years, 26.9% over three, 12.1% over the last twelve months. Net profit rose to $104.0M.

Operating margin went from 11.9% in 2016 to 15.5% in 2025, a gain of 3.6 percentage points. The most recent net margin is 12.73%. On a trailing twelve-month basis to Jun '26, revenue is $1.1B and net profit $138.0M.

Borrowings rose from $32.0M to $102.0M, cash from operations was $158.0M in the latest year, positive in 5 of the last 10.

Return on equity has averaged 13.9% over five years, and was 8.3% in the most recent year.

The share price itself has compounded at -7.7% a year over five years, 15.4% over three, 39.3% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Live Oak Bancshares, Inc. (LOB) — frequently asked questions