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Live Oak Bancshares, Inc.

Financial Services US LOB

32.52USD
-0.56(1.69%)

Last update at 2026-03-12T20:00:00Z

Day Range

31.9532.89
LowHigh

52 Week Range

17.2546.12
LowHigh

Fundamentals

  • Previous Close 33.08
  • Market Cap1952.75M
  • Volume216883
  • P/E Ratio33.26
  • Dividend Yield0.27%
  • Revenue TTM371.81M
  • Revenue Per Share TTM8.41
  • Gross Profit TTM 508.33M
  • Diluted EPS TTM1.32

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 210.32M 210.79M 47.39M 23.46M 46.05M
Minority interest - - - - 0.00000M
Net income 176.21M 167.00M 59.54M 18.03M 51.45M
Selling general administrative 180.58M 155.99M 135.79M 110.27M 102.72M
Selling and marketing expenses 10.54M 5.00M 3.51M 5.94M 6.01M
Gross profit 391.86M 441.99M 284.62M 205.98M 205.84M
Reconciled depreciation 20.78M 21.37M 21.69M 19.97M 16.39M
Ebit 327.30M 210.79M 47.39M 23.46M 100.65M
Ebitda 348.07M 232.15M 69.08M 43.43M 117.03M
Depreciation and amortization 20.78M 21.37M 21.69M 19.97M 16.39M
Non operating income net other - - - - -
Operating income 327.30M 210.79M 47.39M 23.46M 100.65M
Other operating expenses -64.56200M -231.19700M -237.23500M -182.51200M 105.19M
Interest expense 116.97M 64.43M 93.69M 87.90M 54.60M
Tax provision 34.12M 43.79M -12.15400M 5.43M -5.40200M
Interest income 444.47M 361.21M 288.41M 227.98M 162.64M
Net interest income 327.50M 296.79M 194.72M 140.08M 108.04M
Extraordinary items - - 3.73M 0.00000M -0.24400M
Non recurring - - - - -
Other items - - - - -
Income tax expense 34.12M 43.79M -12.15400M 5.43M -5.40200M
Total revenue 391.86M 441.99M 284.62M 205.98M 205.84M
Total operating expenses -64.56200M -231.19700M -237.23500M -182.51200M -105.19500M
Cost of revenue - - - - 67.66M
Total other income expense net -116.97200M -64.42800M -93.68500M -87.89800M -54.60000M
Discontinued operations - - - - -
Net income from continuing ops 176.21M 167.00M 59.54M 18.03M 51.45M
Net income applicable to common shares 176.21M 167.00M 59.54M 18.03M 51.45M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 9855.50M 8213.39M 7872.30M 4814.97M 3670.45M
Intangible assets 26.32M 33.57M 33.92M 35.37M 47.64M
Earning assets - - - 1610.53M 1075.13M
Other current assets -1018.71900M -910.80200M -756.59800M -547.29500M -689.78300M
Total liab 9044.47M 7498.26M 7304.45M 2.63M 3176.89M
Total stockholder equity 811.03M 715.13M 567.85M 532.39M 493.56M
Deferred long term liab - - - - -
Other current liab -50.00000M -8.00000M -14.48800M 4282.57M 3175.44M
Common stock 330.85M 312.29M 310.62M 340.40M 328.11M
Capital stock 330.85M 312.29M 310.62M 340.40M 328.11M
Retained earnings 572.50M 400.89M 235.72M 180.26M 167.12M
Other liab 73.78M 67.93M 49.53M 50.83M 25.85M
Good will - - - - -
Other assets 7278.53M 5969.14M 5809.17M 3319.35M 2322.87M
Cash 284.24M 191.95M 303.67M 134.00M 324.07M
Cash and equivalents - - - - -
Total current liabilities 50.00M 8.00M 14.49M 2.62M 1.44M
Current deferred revenue - - - - -
Net debt -151.03600M 126.34M 1238.43M -131.36900M -322.61600M
Short term debt 50.00M 8.00M 14.49M 2.62M 1.44M
Short long term debt 50.00M 8.00M 14.49M - 1.44M
Short long term debt total 133.20M 318.29M 1542.09M 2.63M 1.46M
Other stockholder equity -92.31800M 1.95M 21.51M 11.72M 0.32M
Property plant equipment 263.29M 240.20M 259.27M 280.94M 226.34M
Total current assets 1298.96M 1098.01M 1053.77M 674.05M 704.56M
Long term investments 1014.72M 906.05M 7018.34M 540.04M 380.49M
Net tangible assets 811.03M 715.13M 567.85M 532.39M 493.56M
Short term investments 1014.72M 906.05M 750.10M 540.04M 380.49M
Net receivables 26.32M 33.57M 33.92M - -
Long term debt 83.20M 318.29M 1542.09M 0.01M 0.02M
Inventory - 0.62M 5.09M 5.61M 1.09M
Accounts payable 8884.93M 7112.04M 5712.83M 4226.98M 3149.58M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -92.31800M 1.95M 21.51M 11.72M -1.67700M
Additional paid in capital - - - - -
Common stock total equity 330.85M 312.29M 310.62M 340.40M 328.11M
Preferred stock total equity - - - - -
Retained earnings total equity 572.50M 400.89M 235.72M 180.26M 167.12M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -1278.00900M -1146.24800M -1009.36500M -821.57100M -643.01400M
Deferred long term asset charges - - - - -
Non current assets total 1278.01M 1146.25M 1009.37M 821.57M 643.01M
Capital lease obligations - 0.00500M 0.00900M 2.63M -
Long term debt total 83.20M 318.29M 1542.09M 0.02M 0.01M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1391.77200M -162.57900M -2599.93400M -647.65800M -740.44600M
Change to liabilities -6.40600M 0.35M 2.02M 3.90M -1.53900M
Total cashflows from investing activities -1442.34400M -149.80300M -2607.46900M -673.16400M -850.58500M
Net borrowings -235.08600M -1223.80400M 1542.08M -1.44300M -25.10700M
Total cash from financing activities 1530.74M 154.95M 2977.38M 1073.81M 860.62M
Change to operating activities -22.06300M 2.08M -74.25500M 4.42M -15.57900M
Net income 176.21M 167.00M 59.54M 18.03M 51.45M
Change in cash 212.89M -114.57000M 96.92M -93.28400M 21.55M
Begin period cash flow 203.75M 318.32M 221.40M 316.82M 295.27M
End period cash flow 416.64M 203.75M 318.32M 223.54M 316.82M
Total cash from operating activities 124.48M -119.71700M -272.98900M -493.92500M 11.52M
Issuance of capital stock - - - 0.00000M 0.00000M
Depreciation 20.78M 21.37M 21.69M 19.97M 16.39M
Other cashflows from investing activities -6.82100M 15.86M 13.45M 11.69M 1.18M
Dividends paid -5.26600M -5.18600M -4.90600M -4.82700M 4.81M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 3.19M -0.95300M 3.59M 0.94M 1.97M
Other cashflows from financing activities 1833.19M -19.15100M 3268.24M 1080.08M 890.55M
Change to netincome -58.28600M -282.33900M -291.91100M -535.22100M -49.27300M
Capital expenditures 43.75M 3.08M 20.99M 37.20M 111.32M
Change receivables -15.88900M 1.75M -76.31500M 0.39M -13.86700M
Cash flows other operating 4.66M -34.30400M 8.63M -1.50200M 7.56M
Exchange rate changes - - - - -
Cash and cash equivalents changes 212.89M -114.57000M 96.92M -93.28400M 21.55M
Change in working capital -22.06300M 2.08M -74.25500M -4.85400M -15.40600M
Stock based compensation 20.35M 16.95M 14.74M 11.75M 9.18M
Other non cash items -97.91500M -351.91500M -277.25800M -540.28700M -44.14700M
Free cash flow 80.73M -122.79900M -293.97800M -531.12200M -99.80100M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
LOB
Live Oak Bancshares, Inc.		 -0.56 1.69% 32.52 33.26 - 5.16 2.25
HDB
HDFC Bank Limited ADR		 -0.11 0.39% 28.39 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.76% 31.40 6.61 5.68 0.48 0.77 3.43
IBN
ICICI Bank Limited		 -0.46 1.69% 26.82 17.79 16.95 0.07 3.08
BNPQY
BNP Paribas SA ADR		 -2.81 5.40% 49.27 8.57 6.56 1.75 0.57

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Profile

Live 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. It operates in two segments, Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, certificate of deposits, 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, it 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. The company was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Live Oak Bancshares, Inc.

1741 Tiburon Drive, Wilmington, NC, United States, 28403

Key Executives

Name Title Year Born
Mr. James S. Mahan III Chairman & CEO 1952
Mr. Neil Lawrence Underwood Pres & Director 1969
Mr. William C. Losch III CFO & Chief Banking Officer 1971
Mr. Huntley Garriott Jr. Pres of Live Oak Banking Company 1976
Mr. Renato Derraik Chief Information & Digital Officer of Bank 1972
Mr. William L. Williams III Vice Chairman & Exec. VP 1952
Mr. Mark Moroz Exec. VP & Head of Operations and Payments NA
Mr. John Wesley Sutherland Chief Accounting Officer 1971
Mr. Gregory W. Seward Chief Risk Officer & Gen. Counsel 1976
Ms. Claire Parker Sr. VP of Corp. Communications NA

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