Live Oak Bancshares, Inc.
About Live Oak Bancshares, Inc.
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.
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Financial summary
- Net income
- $105.9M
- Total assets
- $15.1B
- Market cap
- $1.7B
- Operating margin
- 15.7%
- Net margin
- 11.6%
Source: SEC EDGAR · updated Jun 8, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $908.5M
- Operating expenses
- $765.7M
- Operating income
- $142.8M
- Income tax
- $37.2M
- Net income
- $105.6M
- EPS (basic)
- $2.25
- EPS (diluted)
- $2.23
Balance sheet
- Total assets
- $15.1B
- Current assets
- $15.1B
- Total liabilities
- $13.9B
- Current liabilities
- $13.9B
- Shareholders’ equity
- $1.3B
Cash flow
- Operating cash flow
- $158.2M
- Investing cash flow
- -$1.9B
- Financing cash flow
- $2.0B
- Net cash flow
- $256.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $1.7B
- P/E ratio
- 16.9
- EPS (diluted)
- $2.23
- Dividend yield
- 0.32%
- Shares outstanding
- 46.0M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jul 23, 2015
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $105.9M.
- Revenue grew 152% from FY2021 to FY2025.
- Trading 10% below its 52-week high.
- Pays a dividend yielding about 0.32% annually.
- Valued at a price-to-earnings (P/E) ratio of 16.9.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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