Live Oak Bank/$LOB
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About Live Oak Bank
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
Ticker
$LOB
Sector
Primary listing
NYSE
Employees
1,056
Headquarters
Website
Live Oak Bank Metrics
BasicAdvanced
$1.8B
31.89
$1.21
1.83
$0.12
0.31%
Price and volume
Market cap
$1.8B
Beta
1.83
52-week high
$48.17
52-week low
$22.68
Average daily volume
287K
Dividend rate
$0.12
Financial strength
Dividend payout ratio (TTM)
9.71%
Profitability
Net profit margin (TTM)
13.81%
Operating margin (TTM)
21.55%
Effective tax rate (TTM)
25.84%
Revenue per employee (TTM)
$380,000
Management effectiveness
Return on assets (TTM)
0.44%
Return on equity (TTM)
5.51%
Valuation
Price to earnings (TTM)
31.894
Price to revenue (TTM)
4.322
Price to book
1.66
Price to tangible book (TTM)
1.66
Price to free cash flow (TTM)
2.656
Free cash flow yield (TTM)
37.65%
Free cash flow per share (TTM)
14.568
Dividend yield (TTM)
0.31%
Forward dividend yield
0.31%
Growth
Revenue change (TTM)
-5.02%
Earnings per share change (TTM)
-50.21%
3-year revenue growth (CAGR)
-7.79%
3-year earnings per share growth (CAGR)
-34.61%
10-year earnings per share growth (CAGR)
8.85%
10-year dividend per share growth (CAGR)
-25.17%
Bulls say / Bears say
Diversified loan origination momentum: Live Oak produced $1.40 billion in loans during Q1 2025—73% higher year-over-year—driving total loans to $11.06 billion, up 20% from Q1 2024 across roughly 40 verticals (Investing.com)
Deposit growth and sticky funding: Customer deposits rose 5.4% quarter-over-quarter to $12.40 billion in Q1 2025, while non-interest-bearing checking balances jumped 31% to $279 million, lowering funding costs and deepening borrower relationships (GlobeNewswire)
Robust capital and credit metrics: The bank maintained a Common Equity Tier 1 ratio of 10.7% and a “Mahan Ratio” of 16.8%, with 33% of its portfolio government-guaranteed and a net charge-off ratio of 0.27% versus the SBA industry average of 0.65%, bolstering loss absorption capacity (Investing.com)
Rising provisions pressure profitability: Credit loss provisions soared to $29.2 million in Q1 2025, up from $16 million a year earlier, causing adjusted EPS to fall 65% year-over-year to $0.21 per share (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 31 Aug 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Sept2
Live Oak Bank
Dividend·Ex-dividend
Sept15
Live Oak Bank
Dividend·Payment
$0.03Per share
FAQs
What’s the current market cap for Live Oak Bank stock?
Live Oak Bank (LOB) has a market cap of $1.8B as of August 31, 2025.
What is the P/E ratio for Live Oak Bank stock?
The price to earnings (P/E) ratio for Live Oak Bank (LOB) stock is 31.89 as of August 31, 2025.
Does Live Oak Bank stock pay dividends?
Yes, the Live Oak Bank (LOB) stock pays dividends to shareholders. As of August 31, 2025, the dividend rate is $0.12 and the yield is 0.31%. Live Oak Bank has a payout ratio of 9.71% on a trailing twelve-month basis.
When is the next Live Oak Bank dividend payment date?
The next Live Oak Bank (LOB) dividend payment is scheduled for September 15, 2025.
What is the beta indicator for Live Oak Bank?
Live Oak Bank (LOB) has a beta rating of 1.83. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.