Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap1.55B
Enterprise Value785.56M
Trailing P/E14.90
Forward P/E11.12
LOB
(NYSE)Live Oak Bancshares, Inc.
$33.39-- (--)
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Live Oak Bancshares (LOB) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.22
Forward Price/Sales2.59
Price/Book (mrq)1.24
Price/Tangible Book (mrq)1.24
Price/FCF (ttm)10.77
Price/OCF (ttm)9.77
PEG Ratio0.44
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue1.13
EV/Earnings7.57
EV/EBITDA4.24
EV/FCF5.47
Stock Price
Current price, 52-week range, and moving averages
Current Price$33.39
1-Day Change0.97%
52-Week High$42.89
52-Week Low$22.68
52-Week Change24.40%
YTD Change-3.80%
1-Year Change22.40%
50-Day MA$36.88
200-Day MA$34.59
Avg Volume (30 day)269.17K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding46.30M
Book Value per Share$27.00
Net Cash per Share$18.67
FCF per Share$3.10
Analyst Price Targets & Consensus
Wall Street analyst ratings and 12-month price targets (90 days)
Price Target$51.00
Target Upside/Downside52.74%
Analyst ConsensusBuy
Analyst Count1
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin72.10%
EBITDA Margin (ttm)26.53%
Operating Margin (ttm)23.07%
Pretax Margin (ttm)23.07%
Profit Margin (ttm)14.87%
FCF Margin (ttm)20.57%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)8.30%
Return on Assets (ttm)0.69%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue697.67M
Gross Profit503.00M
Operating Income160.98M
Pretax Income160.98M
Net Income103.78M
EBITDA185.09M
Diluted EPS$2.24
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow158.24M
Capital Expenditures14.76M
Free Cash Flow143.49M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth-12.54%
Dividend Growth0.00%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)15.13B
Cash & Securities (mrq)864.90M
Net Cash (mrq)864.36M
Net Cash per Share$18.67
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)104.56M
Working Capital (mrq)949.36M
Total Equity (mrq)1.25B
Book Value per Share$27.00
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)1752.59
Quick Ratio (mrq)1752.59
Debt/Equity (mrq)0.08
Debt/EBITDA (ttm)0.56
Debt/FCF (ttm)0.73
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$0.12
Dividend Yield0.36%
Payout Ratio (Earnings)5.35%
Payout Ratio (FCF)3.87%
Dividend Growth (YoY)0.00%
Ex-Dividend DateMar 5, 2026
Pay DateMar 15, 2026
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield6.71%
FCF Yield9.28%
Buyback Yield0.00%
Total Shareholder Yield0.36%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score0.26
Piotroski F-Score7/9
Dividend Score13.73
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$75.91
Lynch Upside/Downside127.33%
Graham Number$36.90
Graham Upside/Downside10.51%
Frequently Asked Questions About Live Oak Bancshares Statistics
What are the key financial metrics for LOB?
Live Oak Bancshares, Inc. (LOB) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is LOB's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether Live Oak Bancshares is overvalued or undervalued.
How do I read LOB's profitability ratios?
Live Oak Bancshares's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do LOB's debt ratios indicate?
The financial health section shows Live Oak Bancshares's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is LOB's dividend analysis?
The dividend section covers Live Oak Bancshares's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.