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Live Oak Bancshares, Inc.(LOB)Earnings, Financials & Key Ratios
LOB•NYSE•Banking & Credit
$37.74
$1.75B mkt cap·17.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutLive Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, 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 offers 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 provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.Show more
- Net Interest Income$448M+19.3%
- Total Revenue$1.04B+12.0%
- Net Income$104M+34.0%
- Return on Equity9.19%+13.1%
- Net Interest Margin2.96%+2.0%
- Efficiency Ratio32.85%-0.7%
- ROA0.74%+15.5%
- Equity / Assets8.29%+6.9%
- Book Value per Share27.09+24.0%
- Tangible BV/Share27.09+24.0%
- Debt/Equity0.08-25.8%
LOB Key Insights
Live Oak Bancshares, Inc. (LOB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 32.8% efficiency ratio
- ✓Trading at only 1.4x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
LOB Price & Volume
Live Oak Bancshares, Inc. (LOB) stock price & volume — 10-year historical chart
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LOB Growth Metrics
Live Oak Bancshares, Inc. (LOB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years24.87%
5 Years22.45%
3 Years26.96%
TTM-
Profit CAGR
10 Years17.54%
5 Years11.75%
3 Years-16.18%
TTM33.95%
EPS CAGR
10 Years13.07%
5 Years9.2%
3 Years-17.27%
TTM31.36%
Return on Capital
10 Years10.42%
5 Years10.54%
3 Years6.27%
Last Year1.97%
LOB Recent Earnings
Live Oak Bancshares, Inc. (LOB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 22, 2026EPS
$0.60
Est $0.54
+11.1%
Revenue
$145M
Est $151M
-3.8%
Q1 2026
Jan 21, 2026EPS
$0.95
Est $0.56
+69.6%
Revenue
$173M
Est $150M
+15.0%
Q4 2025
Oct 22, 2025EPS
$0.55
Est $0.58
-5.2%
Revenue
$142M
Est $151M
-5.8%
Q3 2025
Jul 23, 2025EPS
$0.51
Est $0.52
-1.9%
Revenue
$142M
Est $148M
-4.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.60vs $0.54+11.1% | $145Mvs $151M-3.8% |
| Q1 2026 | Jan 21, 2026 | $0.95vs $0.56+69.6% | $173Mvs $150M+15.0% |
| Q4 2025 | Oct 22, 2025 | $0.55vs $0.58-5.2% | $142Mvs $151M-5.8% |
| Q3 2025 | Jul 23, 2025 | $0.51vs $0.52-1.9% | $142Mvs $148M-4.0% |
Based on last 12 quarters of dataView full earnings history →
LOB Peer Comparison
Live Oak Bancshares, Inc. (LOB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 TCBK | 1.63B | 50.80 | 13.69 | 1.78% | 9.43% | 0.06 | ||
 SMBC | 768.58M | 69.19 | 13.36 | 11.72% | 11.85% | 0.26 | ||
 BSVN | 412.67M | 43.61 | 9.69 | -3.87% | 18.21% | |||
 BYFC | 86.03M | 9.25 | -2.86 | -3.76% | -9.05% | 0.58 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 SBCF | 3.06B | 31.36 | 19.85 | 7.49% | 5.83% | 0.44 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 |
Compare LOB vs Peers
Live Oak Bancshares, Inc. (LOB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LOB Income Statement
Live Oak Bancshares, Inc. (LOB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 78.03M | 108.04M | 140.08M | 194.72M | 296.79M | 327.5M | 345.31M | 375.9M | 448.36M |
| NII Growth % | 82.97% | 38.46% | 29.65% | 39.01% | 52.41% | 10.35% | 5.44% | 8.86% | 19.27% |
| Net Interest Margin % | 2.83% | 2.94% | 2.91% | 2.47% | 3.61% | 3.32% | 3.06% | 2.9% | 2.96% |
| Interest Income | 103.47M | 162.64M | 227.98M | 288.41M | 361.21M | 444.47M | 688.27M | 812.37M | 908.47M |
| Interest Expense | 25.44M | 54.6M | 87.9M | 93.69M | 64.43M | 116.97M | 342.97M | 436.47M | 460.11M |
| Loan Loss Provision | 9.54M | 5.56M | 15.21M | 40.66M | 15.21M | 40.94M | 51.32M | 96.21M | 78.14M |
| Non-Interest Income | 99.77M | 90.68M | 61.53M | 89.9M | 145.2M | 64.36M | 88.28M | 116.92M | 132.78M |
| Non-Interest Income % | 49.09% | 35.8% | 21.25% | 23.76% | 28.67% | 12.65% | 11.37% | 12.58% | 12.75% |
| Total Revenue | 203.25M▲ 0% | 253.33M▲ 24.6% | 289.51M▲ 14.3% | 378.31M▲ 30.7% | 506.41M▲ 33.9% | 508.83M▲ 0.5% | 776.55M▲ 52.6% | 929.29M▲ 19.7% | 1.04B▲ 12.0% |
| Revenue Growth % | 40.37% | 24.64% | 14.28% | 30.67% | 33.86% | 0.48% | 52.62% | 19.67% | 12.05% |
| Non-Interest Expense | 70.02M | 147.12M | 162.94M | 196.58M | 215.99M | 140.59M | 299.43M | 307.38M | 342.01M |
| Efficiency Ratio | 34.45% | 58.08% | 56.28% | 51.96% | 42.65% | 27.63% | 38.56% | 33.08% | 32.85% |
| Operating Income | 98.25M▲ 0% | 46.05M▼ 53.1% | 23.46M▼ 49.0% | 47.39M▲ 102.0% | 210.79M▲ 344.8% | 210.32M▼ 0.2% | 82.83M▼ 60.6% | 89.23M▲ 7.7% | 160.98M▲ 80.4% |
| Operating Margin % | 48.34% | 18.18% | 8.1% | 12.53% | 41.62% | 41.33% | 10.67% | 9.6% | 15.46% |
| Operating Income Growth % | 471.01% | -53.14% | -49.04% | 101.96% | 344.8% | -0.22% | -60.62% | 7.73% | 80.4% |
| Pretax Income | 98.25M▲ 0% | 46.05M▼ 53.1% | 23.46M▼ 49.0% | 47.39M▲ 102.0% | 210.79M▲ 344.8% | 210.32M▼ 0.2% | 82.83M▼ 60.6% | 89.23M▲ 7.7% | 160.98M▲ 80.4% |
| Pretax Margin % | 48.34% | 18.18% | 8.1% | 12.53% | 41.62% | 41.33% | 10.67% | 9.6% | 15.46% |
| Income Tax | -2.25M | -5.4M | 5.43M | -12.15M | 43.79M | 34.12M | 8.93M | 11.82M | 57.35M |
| Effective Tax Rate % | -2.28% | -11.73% | 23.15% | -25.65% | 20.78% | 16.22% | 10.78% | 13.24% | 35.62% |
| Net Income | 100.5M▲ 0% | 51.45M▼ 48.8% | 18.03M▼ 64.9% | 59.54M▲ 230.2% | 167M▲ 180.5% | 176.21M▲ 5.5% | 73.9M▼ 58.1% | 77.47M▲ 4.8% | 103.78M▲ 34.0% |
| Net Margin % | 49.45% | 20.31% | 6.23% | 15.74% | 32.98% | 34.63% | 9.52% | 8.34% | 9.97% |
| Net Income Growth % | 629.68% | -48.81% | -64.95% | 230.17% | 180.46% | 5.52% | -58.06% | 4.84% | 33.95% |
| Net Income (Continuing) | 100.5M | 51.45M | 18.03M | 59.54M | 167M | 176.21M | 73.9M | 77.42M | 103.64M |
| EPS (Diluted) | 2.65▲ 0% | 1.24▼ 53.2% | 0.44▼ 64.5% | 1.43▲ 225.0% | 3.71▲ 159.4% | 3.92▲ 5.7% | 1.64▼ 58.2% | 1.69▲ 3.0% | 2.22▲ 31.4% |
| EPS Growth % | 579.49% | -53.21% | -64.52% | 225% | 159.44% | 5.66% | -58.16% | 3.05% | 31.36% |
| EPS (Basic) | 2.75 | 1.28 | 0.45 | 1.46 | 3.87 | 4.02 | 1.67 | 1.72 | 2.24 |
| Diluted Shares Outstanding | 37.86M | 41.45M | 41.05M | 41.77M | 45.07M | 44.91M | 45.09M | 45.95M | 46.3M |
LOB Balance Sheet
Live Oak Bancshares, Inc. (LOB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 391.63M | 704.56M | 671.9M | 1.05B | 1.1B | 1.3B | 1.71B | 634.39M | 864.9M |
| Cash & Due from Banks | 298.27M | 324.07M | 131.86M | 303.67M | 191.95M | 284.24M | 582.79M | 609.05M | 864.9M |
| Short Term Investments | 93.36M | 380.49M | 540.04M | 750.1M | 906.05M | 1.01B | 1.13B | 25.34M | 861.6M |
| Total Investments | 2.09B | 2.88B | 4.11B | 7.02B | 7.48B | 8.82B | 10.02B | 11.66B | 13.06B |
| Investments Growth % | 54.54% | 37.51% | 42.61% | 70.94% | 6.58% | 17.87% | 13.66% | 16.35% | 12.03% |
| Long-Term Investments | 2B | 2.5B | 3.57B | 6.27B | 6.57B | 7.8B | 8.9B | 11.63B | 12.2B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 10M | 36.87M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 7.28M | 32.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.72M | 4.71M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 178.79M | 262.52M | 279.1M | 259.27M | 240.2M | 263.29M | 257.88M | 264.06M | 240.2M |
| Other Assets | 187.82M | 204.98M | 296.32M | 291.18M | 301M | 491.03M | 409.55M | 410.21M | 1.74B |
| Total Current Assets | 388.63M | 704.56M | 671.9M | 1.05B | 1.1B | 1.3B | 1.71B | 634.39M | 949.9M |
| Total Non-Current Assets | 2.37B | 2.97B | 4.14B | 6.82B | 7.12B | 8.56B | 9.56B | 12.31B | 14.18B |
| Total Assets | 2.76B▲ 0% | 3.67B▲ 33.1% | 4.81B▲ 31.1% | 7.87B▲ 63.6% | 8.21B▲ 4.3% | 9.86B▲ 20.0% | 11.27B▲ 14.4% | 12.94B▲ 14.8% | 15.13B▲ 16.9% |
| Asset Growth % | 57.15% | 33.06% | 31.12% | 63.57% | 4.33% | 19.99% | 14.37% | 14.83% | 16.93% |
| Return on Assets (ROA) | 4.45% | 1.6% | 0.43% | 0.94% | 2.08% | 1.95% | 0.7% | 0.64% | 0.74% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 26.56M | 2.9M | 28K | 1.54B | 318.29M | 83.2M | 23.35M | 112.82M | 104.56M |
| Net Debt | -271.71M | -321.18M | -131.83M | 1.24B | 126.34M | -201.04M | -559.44M | -496.23M | -760.34M |
| Long-Term Debt | 3.57M | 1.44M | 14K | 1.53B | 310.28M | 33.2M | 23.35M | 112.82M | 102.4M |
| Short-Term Debt | 22.99M | 1.44M | 0 | 14.49M | 8M | 50M | 0 | 0 | 542K |
| Other Liabilities | 34.71M | 24.41M | 53.43M | 49.53M | 67.93M | 76.33M | 70.38M | 66.57M | 13.78B |
| Total Current Liabilities | 2.28B | 3.15B | 4.23B | 5.73B | 7.12B | 8.93B | 10.28B | 11.76B | 542K |
| Total Non-Current Liabilities | 38.29M | 25.86M | 53.46M | 1.58B | 378.22M | 109.54M | 93.74M | 179.39M | 13.88B |
| Total Liabilities | 2.32B | 3.18B | 4.28B | 7.3B | 7.5B | 9.04B | 10.37B | 11.94B | 13.88B |
| Total Equity | 436.93M▲ 0% | 493.56M▲ 13.0% | 532.39M▲ 7.9% | 567.85M▲ 6.7% | 715.13M▲ 25.9% | 811.03M▲ 13.4% | 902.67M▲ 11.3% | 1B▲ 11.2% | 1.25B▲ 25.0% |
| Equity Growth % | 96.07% | 12.96% | 7.87% | 6.66% | 25.94% | 13.41% | 11.3% | 11.17% | 24.97% |
| Equity / Assets (Capital Ratio) | 15.84% | 13.45% | 11.06% | 7.21% | 8.71% | 8.23% | 8.01% | 7.75% | 8.29% |
| Return on Equity (ROE) | 30.46% | 11.06% | 3.52% | 10.82% | 26.03% | 23.09% | 8.62% | 8.13% | 9.19% |
| Book Value per Share | 11.54 | 11.91 | 12.97 | 13.59 | 15.87 | 18.06 | 20.02 | 21.84 | 27.09 |
| Tangible BV per Share | 11.28 | 11.02 | 12.97 | 13.59 | 15.87 | 18.06 | 20.02 | 21.84 | 27.09 |
| Common Stock | 317.73M | 328.11M | 340.4M | 310.62M | 312.29M | 330.85M | 344.57M | 365.61M | 388.39M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 120.24M | 167.12M | 180.26M | 235.72M | 400.89M | 572.5M | 642.82M | 715.77M | 809.88M |
| Accumulated OCI | -1.03M | -1.68M | 11.72M | 21.51M | 1.95M | -92.32M | -84.72M | -82.34M | -44.67M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96.27M |
LOB Cash Flow Statement
Live Oak Bancshares, Inc. (LOB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -287.53M | 6.29M | -482.52M | -261M | -119.72M | 124.48M | 620.07M | 536.47M | 158.24M |
| Operating CF Growth % | -29.55% | 102.19% | -7766.35% | 45.91% | 54.13% | 203.98% | 398.11% | -13.48% | -70.5% |
| Net Income | 100.5M | 51.45M | 18.03M | 59.54M | 167M | 176.21M | 73.9M | 77.42M | 105.64M |
| Depreciation & Amortization | 10.28M | 16.39M | 19.97M | 21.69M | 21.37M | 20.78M | 21.27M | 23.28M | 30.4M |
| Deferred Taxes | 12.02M | -5.94M | 1.47M | -17.45M | 24.81M | 27.13M | -22.16M | -11.42M | -11.63M |
| Other Non-Cash Items | -395.16M | -49.2M | -552.06M | -277.26M | -351.94M | -97.68M | 489.66M | 415.25M | -35.96M |
| Working Capital Changes | -22.67M | -15.58M | 18.32M | -62.26M | 2.1M | -22.3M | 39.53M | 5.73M | 43.58M |
| Cash from Investing | -535.02M | -845.36M | -684.57M | -2.62B | -149.8M | -1.44B | -1.77B | -2.08B | -1.9B |
| Purchase of Investments | -43.07M | -347.18M | -253.1M | -396.19M | -428.25M | -442.58M | -246.19M | -285.11M | -311.54M |
| Sale/Maturity of Investments | 19.69M | 56.63M | 111.29M | 197.53M | 255.09M | 310.27M | 121.76M | 154.7M | 260.15M |
| Net Investment Activity | -23.38M | -290.55M | -141.81M | -198.66M | -173.15M | -132.31M | -124.44M | -130.41M | -51.39M |
| Acquisitions | -7.7M | -209K | 0 | -895K | 0 | 0 | 0 | 0 | 4.36M |
| Other Investing | -379.8M | -443.27M | -505.56M | -2.4B | 26.43M | -1.27B | -1.6B | -1.9B | -1.84B |
| Cash from Financing | 879.81M | 863.1M | 1.07B | 2.98B | 154.95M | 1.53B | 1.32B | 1.57B | 2B |
| Dividends Paid | -3.78M | -4.81M | -4.83M | -4.91M | -5.19M | -5.27M | -5.33M | -5.41M | -8.54M |
| Share Repurchases | 0 | 0 | 0 | 0 | -953K | 0 | 0 | 0 | 0 |
| Stock Issued | 113.1M | 0 | 0 | 0 | 0 | 0 | 0 | 3.76M | 100.46M |
| Net Stock Activity | 113.1M | 0 | 0 | 0 | -953K | 0 | 0 | 3.76M | 100.46M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K |
| Other Financing | 771.77M | 893.02M | 1.08B | 1.44B | 1.38B | 1.77B | 1.39B | 1.48B | 1.92B |
| Net Change in Cash | 57.26M▲ 0% | 24.04M▼ 58.0% | -97.91M▼ 507.3% | 96.92M▲ 199.0% | -114.57M▼ 218.2% | 212.89M▲ 285.8% | 165.9M▼ 22.1% | 26.26M▼ 84.2% | 256.1M▲ 875.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 238.01M | 295.27M | 319.31M | 221.4M | 318.32M | 203.75M | 416.64M | 582.54M | 608.8M |
| Cash at End | 295.27M | 319.31M | 221.4M | 318.32M | 203.75M | 416.64M | 582.54M | 608.8M | 864.9M |
| Interest Paid | 25.39M | 54.11M | 0 | 91.8M | 66.84M | 117.52M | 342.77M | 65.44M | 460.58M |
| Income Taxes Paid | 7.08M | 1.75M | 0 | 11.49M | 19.72M | 24.71M | 5.3M | 38.91M | 26.59M |
| Free Cash Flow | -411.67M▲ 0% | -105.03M▲ 74.5% | -519.72M▼ 394.8% | -281.99M▲ 45.7% | -122.8M▲ 56.5% | 80.73M▲ 165.7% | 573.23M▲ 610.0% | 487.16M▼ 15.0% | 143.49M▼ 70.5% |
| FCF Growth % | -76.8% | 74.49% | -394.84% | 45.74% | 56.45% | 165.74% | 610.03% | -15.02% | -70.55% |
LOB Banking Ratios
Live Oak Bancshares, Inc. (LOB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.52% | 30.46% | 11.06% | 3.52% | 10.82% | 26.03% | 23.09% | 8.62% | 8.13% | 9.19% |
| Return on Assets (ROA) | 0.98% | 4.45% | 1.6% | 0.43% | 0.94% | 2.08% | 1.95% | 0.7% | 0.64% | 0.74% |
| Net Interest Margin | 2.43% | 2.83% | 2.94% | 2.91% | 2.47% | 3.61% | 3.32% | 3.06% | 2.9% | 2.96% |
| Efficiency Ratio | 69.36% | 34.45% | 58.08% | 56.28% | 51.96% | 42.65% | 27.63% | 38.56% | 33.08% | 32.85% |
| Equity / Assets | 12.7% | 15.84% | 13.45% | 11.06% | 7.21% | 8.71% | 8.23% | 8.01% | 7.75% | 8.29% |
| Book Value / Share | 6.35 | 11.54 | 11.91 | 12.97 | 13.59 | 15.87 | 18.06 | 20.02 | 21.84 | 27.09 |
| NII Growth | 66.67% | 82.97% | 38.46% | 29.65% | 39.01% | 52.41% | 10.35% | 5.44% | 8.86% | 19.27% |
| Dividend Payout | 19.87% | 3.76% | 9.35% | 26.77% | 8.24% | 3.11% | 2.99% | 7.21% | 6.98% | 5.29% |
LOB SEC Filings & Documents
Live Oak Bancshares, Inc. (LOB) SEC filings — annual & quarterly reports (10-K, 10-Q)
LOB Frequently Asked Questions
Live Oak Bancshares, Inc. (LOB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Live Oak Bancshares, Inc. (LOB) grew revenue by 12.0% over the past year. This is steady growth.
Yes, Live Oak Bancshares, Inc. (LOB) is profitable, generating $103.8M in net income for fiscal year 2025 (10.0% net margin).
Dividend & Returns
Yes, Live Oak Bancshares, Inc. (LOB) pays a dividend with a yield of 0.31%. This makes it attractive for income-focused investors.
Live Oak Bancshares, Inc. (LOB) has a return on equity (ROE) of 9.2%. This is below average, suggesting room for improvement.
Industry Metrics
Live Oak Bancshares, Inc. (LOB) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
Live Oak Bancshares, Inc. (LOB) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.
Explore More LOB
Live Oak Bancshares, Inc. (LOB) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates