What is Live Oak Bancshares Inc's earnings per share (EPS)?

Live Oak Bancshares Inc (LOB) reported diluted earnings per share of $2.23 for fiscal year 2025. This represents a 32.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Live Oak Bancshares Inc (LOB) Financials

LOB

Trailing 12 months to June 30, 2026

Revenue $946.7M +10.2% YoY

Net Income $139.6M +148.9% YoY

EPS (Diluted) $2.84 +134.7% YoY

Free Cash Flow $237.4M +122.9% YoY

Market Cap $1.8B as of Sep 3, 2026

Price / Sales 1.9x on $946.7M revenue, trailing 12 months to June 30, 2026

Price / Earnings 13.1x on $139.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $1.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LOB SEC filings page.

Live Oak Bancshares Inc (LOB) reported $946.7M in revenue over the twelve months to Jun 30, 2026, up 10.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI LOB FY2025 2026-08-29

Balance-sheet expansion is financed through recurring financing inflows, while rising interest expense absorbs much of the revenue growth.

In FY2025, interest expense of $460.1M consumed roughly half of $908.5M revenue, helping explain why net income remained below FY2021 despite the larger business.

Positive net income coexisted with negative operating cash flow in FY2021 and FY2022, then both operating cash flow and free cash flow turned positive from FY2023 onward; the cash pattern tracks balance-sheet expansion rather than a permanently weak earnings base. By FY2025, operating cash flow was $158.2M versus $143.5M of free cash flow, showing a relatively small gap after reported capital spending.

Assets expanded from $8.2B in FY2021 to $15.1B in FY2025 while leverage stayed elevated, indicating growth did not materially reduce reliance on borrowed funding. FY2025 net margin was 11.7% and ROA 0.7%, both below earlier readings, so scale has not restored prior asset efficiency.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Live Oak Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Live Oak Bancshares Inc earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.6% the prior year. Earnings ranks banks on that return over three years, and Live Oak Bancshares Inc scores 33/100 among other banks.

Growth

Live Oak Bancshares Inc reported revenue of $908.5M in fiscal year 2025, against $812.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Live Oak Bancshares Inc scores 70/100 among other banks.

Capital

Live Oak Bancshares Inc funded 8.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.2B of equity against $15.1B of assets. Capital ranks banks on that cushion, and Live Oak Bancshares Inc scores 12/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Live Oak Bancshares Inc scores 86/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Live Oak Bancshares Inc scores 10/100 on it among other banks.

Stability

Live Oak Bancshares Inc reported net income of $105.9M in fiscal year 2025, against $77.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Live Oak Bancshares Inc scores 38/100 among other banks.

Piotroski F-Score Partial

4/6

Live Oak Bancshares Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.49x

For every $1 of reported earnings, Live Oak Bancshares Inc generates $1.49 in operating cash flow ($158.2M OCF vs $105.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$241.7M

YoY+7.8%

QoQ+3.4%

5Y CAGR+22.4%

10Y CAGR+33.5%

Live Oak Bancshares Inc generated $241.7M in revenue in Q2 2026. This represents an increase of 7.8% from the same quarter a year earlier. Against the prior quarter it is up 3.4%.

Net Income

$36.8M

YoY+57.1%

QoQ+22.5%

5Y CAGR-10.4%

10Y CAGR+76.8%

Live Oak Bancshares Inc reported $36.8M in net income in Q2 2026. This represents an increase of 57.1% from the same quarter a year earlier. Against the prior quarter it is up 22.5%.

EPS (Diluted)

$0.74

YoY+45.1%

QoQ+23.3%

5Y CAGR-12.1%

Live Oak Bancshares Inc earned $0.74 per diluted share (EPS) in Q2 2026. This represents an increase of 45.1% from the same quarter a year earlier. Against the prior quarter it is up 23.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$28.4M

YoY-45.3%

QoQ-66.7%

Live Oak Bancshares Inc generated $28.4M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 45.3% from the same quarter a year earlier. Against the prior quarter it is down 66.7%.

Cash & Debt

$927.6M

YoY+40.0%

QoQ+13.7%

Live Oak Bancshares Inc held $927.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.03

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

Live Oak Bancshares Inc paid $0.03 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

46M

YoY+1.2%

QoQ0.0%

Live Oak Bancshares Inc had 46M shares outstanding in Q2 2026. This represents an increase of 1.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

15.2%

YoY+4.8pp

QoQ+2.4pp

5Y CAGR-57.0pp

10Y CAGR+14.3pp

Live Oak Bancshares Inc's net profit margin was 15.2% in Q2 2026, showing the share of revenue converted to profit. This is up 4.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.4 percentage points.

Return on Equity

2.8%

YoY+0.6pp

QoQ+0.5pp

5Y CAGR-6.9pp

10Y CAGR+2.7pp

Live Oak Bancshares Inc's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.8M

YoY+97.1%

QoQ+37.2%

5Y CAGR+38.2%

10Y CAGR+31.5%

Live Oak Bancshares Inc invested $2.8M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 97.1% from the same quarter a year earlier. Against the prior quarter it is up 37.2%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

LOB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LOB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$946.7M	$908.5M+11.8%	$812.4M+18.0%	$688.3M+54.9%	$444.5M+23.1%	$361.2M+25.2%	$288.4M+26.5%	$228.0M+40.2%	$162.6M+57.2%	$103.5M+80.7%	$57.3M+66.2%	$34.5M+67.5%	$20.6M+34.4%	$15.3M
SG&A Expenses	$196.0M	$189.4M+8.4%	$174.7M+3.3%	$169.1M-1.0%	$170.8M+36.7%	$124.9M+11.0%	$112.5M+24.2%	$90.6M+17.1%	$77.4M+3.7%	$74.7M+18.5%	$63.0M+56.2%	$40.3M+38.3%	$29.2M+40.4%	$20.8M
Interest Expense	$463.3M	$460.1M+5.4%	$436.5M+27.3%	$343.0M+193.2%	$117.0M+81.6%	$64.4M-31.2%	$93.7M+6.6%	$87.9M+61.0%	$54.6M+114.6%	$25.4M+74.0%	$14.6M+65.0%	$8.9M+51.4%	$5.9M+29.4%	$4.5M
Income Tax	$45.1M	$37.2M+214.5%	$11.8M+32.3%	$8.9M-73.8%	$34.1M-22.1%	$43.8M+460.3%	-$12.2M-323.8%	$5.4M+200.5%	-$5.4M-140.6%	-$2.2M-165.2%	$3.4M-75.0%	$13.8M+86.7%	$7.4M	$0
Net Income	$139.6M	$105.9M+36.7%	$77.5M+4.8%	$73.9M-58.1%	$176.2M+5.5%	$167.0M+180.5%	$59.5M+230.2%	$18.0M-64.9%	$51.4M-48.8%	$100.5M+629.7%	$13.8M-33.2%	$20.6M+105.3%	$10.0M-64.2%	$28.1M
EPS (Basic)	N/A	$2.25+30.8%	$1.72+3.0%	$1.67-58.5%	$4.02+3.9%	$3.87+165.1%	$1.46+224.4%	$0.45-64.8%	$1.28-53.5%	$2.75+587.5%	$0.40-39.4%	$0.66+57.1%	$0.42-69.6%	$1.38
EPS (Diluted)	$2.84	$2.23+32.0%	$1.69+3.0%	$1.64-58.2%	$3.92+5.7%	$3.71+159.4%	$1.43+225.0%	$0.44-64.5%	$1.24-53.2%	$2.65+579.5%	$0.39-40.0%	$0.65+58.5%	$0.41-70.1%	$1.37
Diluted Shares (Avg)	N/A	46M+0.5%	46M+1.6%	45M+0.4%	45M-0.4%	45M+7.9%	42M+1.7%	41M-0.9%	41M+9.5%	38M+7.9%	35M+9.7%	32M+30.9%	24M+19.5%	20M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$241.7M+7.8%	$233.9M+9.7%	$239.7M+12.7%	$231.4M+10.8%	$224.3M+13.0%	$213.1M+10.7%	$212.6M+14.0%	$208.9M+15.7%
SG&A Expenses	$48.8M+6.0%	$49.4M+8.4%	$45.1M+23.0%	$52.8M+18.6%	$46.0M-0.5%	$45.5M-3.7%	$36.7M-4.3%	$44.5M+3.7%
Interest Expense	$116.4M+1.1%	$114.5M+1.7%	$116.5M+1.3%	$115.9M+3.6%	$115.1M+7.4%	$112.6M+10.0%	$115.1M+18.7%	$111.9M+22.7%
Income Tax	$9.1M+16.6%	$10.1M+192.6%	$15.8M+366.2%	$10.1M+109.8%	$7.8M-14.1%	$3.5M+163.2%	$3.4M+156.3%	$4.8M+62.3%
Net Income	$36.8M+57.1%	$30.0M+209.1%	$46.2M+366.8%	$26.5M+103.6%	$23.4M-13.1%	$9.7M-64.8%	$9.9M-38.7%	$13.0M-67.3%
EPS (Basic)	$0.75+47.1%	$0.61+190.5%	$0.96+336.4%	$0.56+100.0%	$0.51-15.0%	$0.21-66.1%	$0.22-40.5%	$0.28-68.5%
EPS (Diluted)	$0.74+45.1%	$0.60+185.7%	$0.95+352.4%	$0.55+96.4%	$0.51-13.6%	$0.21-65.0%	$0.21-41.7%	$0.28-68.2%
Diluted Shares (Avg)	47M+1.7%	47M+1.6%	N/A	46M+0.6%	46M+0.6%	46M+0.2%	N/A	46M+1.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

LOB Balance Sheet

LOB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Total Assets	$15.1B+16.9%	$12.9B+14.8%	$11.3B+14.4%	$9.9B+20.0%	$8.2B+4.3%	$7.9B+63.6%	$4.8B+31.0%	$3.7B+33.2%	$2.8B+57.2%	$1.8B+66.8%	$1.1B+56.3%	$673.3M	N/A
Cash & Equivalents	$864.9M+42.1%	$608.8M+4.5%	$582.5M+39.8%	$416.6M+104.5%	$203.8M-36.0%	$318.3M+43.8%	$221.4M	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$1.8M0.0%	$1.8M0.0%	$1.8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$13.9B+16.3%	$11.9B+15.2%	$10.4B+14.6%	$9.0B+20.6%	$7.5B+2.7%	$7.3B+70.6%	$4.3B+34.7%	$3.2B+36.8%	$2.3B+51.5%	$1.5B+79.6%	$853.1M+46.7%	$581.5M	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$16K-99.9%	$26.6M-4.6%	$27.8M-1.9%	$28.4M-32.2%	$41.8M	N/A
Total Equity	$1.2B+25.1%	$999.0M+10.7%	$902.7M+11.3%	$811.0M+13.4%	$715.1M+25.9%	$567.9M+6.7%	$532.4M+7.9%	$493.6M+13.0%	$436.9M+96.1%	$222.8M+11.7%	$199.5M+117.2%	$91.8M+89.7%	$48.4M
Retained Earnings	$809.9M+13.1%	$715.8M+11.3%	$642.8M+12.3%	$572.5M+42.8%	$400.9M+70.1%	$235.7M+30.8%	$180.3M+7.9%	$167.1M+39.0%	$120.2M+411.3%	$23.5M+93.7%	$12.1M+274.9%	-$6.9M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$16.0B+16.0%	$15.3B+12.5%	$15.1B+16.9%	$14.7B+16.3%	$13.8B+16.5%	$13.6B+18.2%	$12.9B+14.8%	$12.6B+15.1%
Cash & Equivalents	$927.6M+40.0%	$816.1M+9.7%	$864.9M+42.1%	$892.4M+33.9%	$662.8M+7.7%	$744.3M+24.6%	$608.8M+4.5%	$666.6M+24.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	$1.8M0.0%	N/A
Total Liabilities	$14.7B+15.3%	$14.0B+11.6%	$13.9B+16.3%	$13.5B+16.1%	$12.8B+17.0%	$12.6B+18.8%	$11.9B+15.2%	$11.6B+14.8%
Total Equity	$1.3B+23.5%	$1.3B+24.4%	$1.2B+25.1%	$1.2B+18.9%	$1.1B+10.6%	$1.0B+10.7%	$999.0M+10.7%	$1.0B+18.5%
Retained Earnings	$869.8M+16.5%	$836.4M+15.5%	$809.9M+13.1%	$770.8M+9.0%	$746.5M+7.4%	$724.2M+8.2%	$715.8M+11.3%	$707.0M+12.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

LOB Cash Flow Statement

LOB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Operating Cash Flow	$253.3M	$158.2M+0.9%	$156.8M-15.2%	$184.9M+161.5%	-$300.7M-151.2%	-$119.7M+54.1%	-$261.0M+45.9%	-$482.5M-7766.3%	$6.3M+102.2%	-$287.5M-29.5%	-$221.9M+33.7%	-$334.7M-28.0%	-$261.5M-492.0%	-$44.2M
Depreciation & Amortization	N/A	$30.4M+30.6%	$23.3M+9.5%	$21.3M+2.4%	$20.8M-2.7%	$21.4M-1.5%	$21.7M+8.6%	$20.0M+21.9%	$16.4M+59.4%	$10.3M+141.3%	$4.3M+24.0%	$3.4M+59.1%	$2.2M+48.0%	$1.5M
Capital Expenditures	$15.9M	$14.8M-70.1%	$49.3M+5.3%	$46.8M+7.1%	$43.8M+1319.6%	$3.1M-85.3%	$21.0M-43.6%	$37.2M-66.6%	$111.3M-10.3%	$124.1M+1040.0%	$10.9M-64.2%	$30.5M+112.3%	$14.3M+85.7%	$7.7M
Free Cash Flow	$237.4M	$143.5M+33.5%	$107.5M-22.2%	$138.1M+140.1%	-$344.5M-180.5%	-$122.8M+56.5%	-$282.0M+45.7%	-$519.7M-394.8%	-$105.0M+74.5%	-$411.7M-76.8%	-$232.8M+36.2%	-$365.1M-32.4%	-$275.9M-431.5%	-$51.9M
Investing Cash Flow	-$2.0B	-$1.9B-12.0%	-$1.7B-26.8%	-$1.3B-31.7%	-$1.0B-579.0%	-$149.8M+94.3%	-$2.6B-282.6%	-$684.6M+19.0%	-$845.4M-58.0%	-$535.0M-67.2%	-$320.1M-637.2%	$59.6M+222.6%	$18.5M+189.9%	-$20.5M
Financing Cash Flow	$2.0B	$2.0B+27.6%	$1.6B+18.8%	$1.3B-13.7%	$1.5B+887.9%	$154.9M-94.8%	$3.0B+178.5%	$1.1B+23.9%	$863.1M-1.9%	$879.8M+29.9%	$677.4M+94.8%	$347.8M+47.6%	$235.7M+307.9%	$57.8M
Dividends Paid	$5.5M	$5.5M+1.5%	$5.4M+1.5%	$5.3M+1.1%	$5.3M+1.5%	$5.2M+5.7%	$4.9M+1.6%	$4.8M+0.4%	$4.8M+27.4%	$3.8M+38.0%	$2.7M+0.2%	$2.7M-93.8%	$43.8M+267.8%	$11.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%	$444K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$31.2M-41.5%	$87.4M+393.6%	$79.7M+60.4%	$55.0M+16.0%	$53.3M+80.5%	-$29.8M-198.7%	$49.7M+118.7%	$47.4M-69.4%
Depreciation & Amortization	$6.3M-7.6%	$6.9M-0.5%	$10.0M+49.9%	$6.7M+5.8%	$6.8M+27.0%	$7.0M+40.0%	$6.7M+24.8%	$6.3M+14.8%
Capital Expenditures	$2.8M+97.1%	$2.0M-10.8%	$9.3M+131.5%	$1.7M-72.9%	$1.4M-91.7%	$2.3M-89.4%	$4.0M-81.4%	$6.4M-22.5%
Free Cash Flow	$28.4M-45.3%	$85.3M+366.2%	$70.4M+54.2%	$53.3M+29.9%	$51.9M+321.0%	-$32.1M-477.5%	$45.7M+115.9%	$41.0M-72.0%
Investing Cash Flow	-$628.4M-90.3%	-$273.4M+41.1%	-$497.5M-6.9%	-$612.0M+10.7%	-$330.2M+0.3%	-$464.5M-113.1%	-$465.2M-1096.6%	-$685.0M-24.8%
Financing Cash Flow	$708.8M+262.8%	$137.2M-78.2%	$390.2M+9.1%	$786.7M+14.2%	$195.4M-38.9%	$629.8M+210.7%	$357.8M+34.5%	$688.7M+472.0%
Dividends Paid	$1.4M+1.4%	$1.4M+1.5%	$1.4M+1.5%	$1.4M+1.6%	$1.4M+1.4%	$1.4M+1.6%	$1.4M+1.5%	$1.4M+1.6%

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

LOB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

LOB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K/A	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Net Margin	11.7%+2.1pp	9.5%-1.2pp	10.7%-28.9pp	39.6%-6.6pp	46.2%+25.6pp	20.6%+12.7pp	7.9%-23.7pp	31.6%-65.5pp	97.1%+73.1pp	24.1%-35.8pp	59.9%+11.0pp	48.9%	183.4%
Return on Equity	8.5%+0.7pp	7.8%-0.4pp	8.2%-13.5pp	21.7%-1.6pp	23.4%+12.9pp	10.5%+7.1pp	3.4%-7.0pp	10.4%-12.6pp	23.0%+16.8pp	6.2%-4.2pp	10.3%-0.6pp	10.9%-47.0pp	58.0%
Return on Assets	0.7%+0.1pp	0.6%-0.1pp	0.7%-1.1pp	1.8%-0.2pp	2.0%+1.3pp	0.8%+0.4pp	0.4%-1.0pp	1.4%-2.2pp	3.6%+2.9pp	0.8%-1.2pp	2.0%+0.5pp	1.5%	N/A
Debt-to-Equity	11.11-0.8x	11.95+0.5x	11.49+0.3x	11.15+0.7x	10.49-2.4x	12.86+4.8x	8.04+8.0x	0.00-0.1x	0.06-0.1x	0.120.0x	0.14-0.3x	0.46	N/A
Asset Turnover	0.060.0x	0.060.0x	0.060.0x	0.050.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.03	N/A
FCF Margin	15.8%+2.6pp	13.2%-6.8pp	20.1%+97.6pp	-77.5%-43.5pp	-34.0%+63.8pp	-97.8%	-228.0%	-64.6%	-397.8%	-406.6%	-1059.9%	-1341.4%	-339.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	15.2%+4.8pp	12.8%+8.3pp	19.3%+14.6pp	11.5%+5.2pp	10.4%-3.1pp	4.6%-9.8pp	4.7%-4.0pp	6.2%-15.8pp
Return on Equity	2.8%+0.6pp	2.4%+1.4pp	3.7%+2.7pp	2.2%+0.9pp	2.2%-0.6pp	0.9%-2.0pp	1.0%-0.8pp	1.3%-3.4pp
Return on Assets	0.2%+0.1pp	0.2%+0.1pp	0.3%+0.2pp	0.2%+0.1pp	0.2%-0.1pp	0.1%-0.2pp	0.1%-0.1pp	0.1%-0.3pp
Debt-to-Equity	11.21-0.8x	10.97-1.3x	11.11-0.8x	11.24-0.3x	12.01+0.7x	12.23+0.8x	11.95+0.5x	11.51-0.4x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	11.7%-11.4pp	36.5%+51.5pp	29.4%+7.9pp	23.0%+3.4pp	23.1%+16.9pp	-15.0%-19.4pp	21.5%	19.6%-61.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Live Oak Bancshares Inc LOB	FY2025	$908.5M	$105.9M	11.7%	$1.8B	42/100
Northwest Bancshares Inc Md NWBI	FY2025	$749.7M	$126.0M	16.8%	$2.3B	50/100
First Commonwealth Financial FCF	FY2025	$632.7M	$152.3M	24.1%	$2.1B	64/100
Pathward Financial CASH	FY2025	$839.9M	$185.9M	22.1%	$1.7B	49/100
Stellar Bancorp Inc STEL	FY2025	$6.3M	$102.9M	N/A	$2.0B	25/100
Veritex Holdings VBTX	FY2024	$757.2M	$107.2M	14.2%	$1.7B	61/100

Where Live Oak Bancshares Inc Ranks

Frequently Asked Questions

What is Live Oak Bancshares Inc's annual revenue?

Live Oak Bancshares Inc (LOB) reported $908.5M in total revenue for fiscal year 2025. This represents a 11.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Live Oak Bancshares Inc's revenue growing?

Live Oak Bancshares Inc (LOB) revenue grew by 11.8% year-over-year, from $812.4M to $908.5M in fiscal year 2025.

Is Live Oak Bancshares Inc profitable?

Yes, Live Oak Bancshares Inc (LOB) reported a net income of $105.9M in fiscal year 2025, with a net profit margin of 11.7%.

What is Live Oak Bancshares Inc's net profit margin?

Live Oak Bancshares Inc (LOB) had a net profit margin of 11.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Live Oak Bancshares Inc pay dividends?

Yes, Live Oak Bancshares Inc (LOB) paid $0.12 per share in dividends during fiscal year 2025.

What is Live Oak Bancshares Inc's return on equity (ROE)?

Live Oak Bancshares Inc (LOB) has a return on equity of 8.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Live Oak Bancshares Inc's free cash flow?

Live Oak Bancshares Inc (LOB) generated $143.5M in free cash flow during fiscal year 2025. This represents a 33.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Live Oak Bancshares Inc's operating cash flow?

Live Oak Bancshares Inc (LOB) generated $158.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Live Oak Bancshares Inc's total assets?

Live Oak Bancshares Inc (LOB) had $15.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Live Oak Bancshares Inc's capital expenditures?

Live Oak Bancshares Inc (LOB) invested $14.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Live Oak Bancshares Inc have outstanding?

Live Oak Bancshares Inc (LOB) had 46M shares outstanding as of fiscal year 2025.

What is Live Oak Bancshares Inc's debt-to-equity ratio?

Live Oak Bancshares Inc (LOB) had a debt-to-equity ratio of 11.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Live Oak Bancshares Inc's return on assets (ROA)?

Live Oak Bancshares Inc (LOB) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Live Oak Bancshares Inc's P/E ratio?

Live Oak Bancshares Inc (LOB) trades at 13.1x earnings, its market capitalization divided by net income of $139.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Live Oak Bancshares Inc's price-to-sales ratio?

Live Oak Bancshares Inc (LOB) trades at 1.9x sales, its market capitalization divided by revenue of $946.7M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Live Oak Bancshares Inc's Piotroski F-Score?

Live Oak Bancshares Inc (LOB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Live Oak Bancshares Inc's earnings high quality?

Live Oak Bancshares Inc (LOB) has an earnings quality ratio of 1.49x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Live Oak Bancshares Inc?

Live Oak Bancshares Inc (LOB) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.