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Live Oak Bancshares, Inc. LOB

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Price alert · LOB

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33.93 USD +0.02 (+0.07%)

Nov 6, 2026, 11:34 AM EST

33.19 Day range 34.19
29.36 52-week range 44.53
YTD
-1.24%
1 year
+7.43%

Financial health

Altman Z-Score

-0.63 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 15.3×
FY 2016: 46.3×FY 2017: 8.7×FY 2018: 11.6×FY 2019: 42.2×FY 2020: 32.5×FY 2021: 22.6×FY 2022: 7.5×FY 2023: 27.2×FY 2024: 23.0×FY 2025: 15.3×
FY 2016 5y median 22.6× FY 2025
P/S 1.5×
FY 2016: 4.4×FY 2017: 4.3×FY 2018: 2.3×FY 2019: 2.6×FY 2020: 5.1×FY 2021: 7.4×FY 2022: 2.6×FY 2023: 2.6×FY 2024: 1.9×FY 2025: 1.5×
FY 2016 5y median 2.6× FY 2025
P/B 1.3×
FY 2016: 2.8×FY 2017: 2.0×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 3.4×FY 2021: 5.3×FY 2022: 1.6×FY 2023: 2.2×FY 2024: 1.8×FY 2025: 1.3×
FY 2016 5y median 1.8× FY 2025
P/FCF 11.0×
FY 2016: -2.7×FY 2017: -2.1×FY 2018: -5.6×FY 2019: -1.5×FY 2020: -6.8×FY 2021: -30.7×FY 2022: 16.4×FY 2023: 3.5×FY 2024: 3.7×FY 2025: 11.0×
FY 2016 5y median 3.7× FY 2025
EV/EBITDA 4.3×
FY 2016: 19.5×FY 2017: 5.5×FY 2018: 4.4×FY 2019: 14.6×FY 2020: 45.9×FY 2021: 16.8×FY 2022: 4.9×FY 2023: 14.0×FY 2024: 11.4×FY 2025: 4.3×
FY 2016 5y median 11.4× FY 2025
EV/Sales 0.8×
FY 2016: 2.9×FY 2017: 3.0×FY 2018: 1.1×FY 2019: 2.2×FY 2020: 8.4×FY 2021: 7.7×FY 2022: 2.2×FY 2023: 1.9×FY 2024: 1.4×FY 2025: 0.8×
FY 2016 5y median 1.9× FY 2025
FCF Yield 9.1%
FY 2016: -36.8%FY 2017: -47.2%FY 2018: -17.7%FY 2019: -68.0%FY 2020: -14.6%FY 2021: -3.3%FY 2022: 6.1%FY 2023: 28.4%FY 2024: 27.4%FY 2025: 9.1%
FY 2016 5y median 9.1% FY 2025

Profitability

Gross Margin 48.3%
FY 2016: 81.2%FY 2017: 82.8%FY 2018: 76.3%FY 2019: 64.4%FY 2020: 64.5%FY 2021: 84.3%FY 2022: 69.0%FY 2023: 49.2%FY 2024: 42.7%FY 2025: 48.3%
FY 2016 5y median 49.2% FY 2025
Operating Margin 15.5%
FY 2016: 11.9%FY 2017: 48.3%FY 2018: 18.2%FY 2019: 8.1%FY 2020: 12.5%FY 2021: 41.6%FY 2022: 41.3%FY 2023: 10.7%FY 2024: 9.6%FY 2025: 15.5%
FY 2016 5y median 15.5% FY 2025
Net Margin 10.0%
FY 2016: 9.5%FY 2017: 49.4%FY 2018: 20.3%FY 2019: 6.2%FY 2020: 15.7%FY 2021: 33.0%FY 2022: 34.6%FY 2023: 9.5%FY 2024: 8.3%FY 2025: 10.0%
FY 2016 5y median 10.0% FY 2025
ROE 8.3%
FY 2016: 6.2%FY 2017: 23.0%FY 2018: 10.4%FY 2019: 3.4%FY 2020: 10.5%FY 2021: 23.4%FY 2022: 21.7%FY 2023: 8.2%FY 2024: 7.8%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025
ROIC 7.2%
FY 2016: 5.1%FY 2017: 19.8%FY 2018: 8.8%FY 2019: 3.1%FY 2020: 2.2%FY 2021: 15.2%FY 2022: 18.2%FY 2023: 7.4%FY 2024: 6.5%FY 2025: 7.2%
FY 2016 5y median 7.4% FY 2025
ROA 0.7%
FY 2016: 0.8%FY 2017: 3.6%FY 2018: 1.4%FY 2019: 0.4%FY 2020: 0.8%FY 2021: 2.0%FY 2022: 1.8%FY 2023: 0.7%FY 2024: 0.6%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 12.0%
FY 2016: 28.2%FY 2017: 40.4%FY 2018: 24.6%FY 2019: 14.3%FY 2020: 30.7%FY 2021: 33.9%FY 2022: 0.5%FY 2023: 52.6%FY 2024: 19.7%FY 2025: 12.0%
FY 2016 FY 2025
Operating Income 80.4%
FY 2016: -50.0%FY 2017: 471.0%FY 2018: -53.1%FY 2019: -49.0%FY 2020: 102.0%FY 2021: 344.8%FY 2022: -0.2%FY 2023: -60.6%FY 2024: 7.7%FY 2025: 80.4%
FY 2016 FY 2025
EPS (diluted) 31.4%
FY 2016: -40.0%FY 2017: 579.5%FY 2018: -53.2%FY 2019: -64.5%FY 2020: 225.0%FY 2021: 159.4%FY 2022: 5.7%FY 2023: -58.2%FY 2024: 3.0%FY 2025: 31.4%
FY 2016 FY 2025
Free Cash Flow -70.5%
FY 2016: 36.2%FY 2017: -76.8%FY 2018: 74.5%FY 2019: -394.8%FY 2020: 45.7%FY 2021: 56.5%FY 2022: 165.7%FY 2023: 610.0%FY 2024: -15.0%FY 2025: -70.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 2.7×FY 2021: 0.4×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -4.0×
FY 2016: -9.9×FY 2017: -2.5×FY 2018: -5.1×FY 2019: -3.0×FY 2020: 17.9×FY 2021: 0.5×FY 2022: -0.9×FY 2023: -5.4×FY 2024: -4.4×FY 2025: -4.0×
FY 2016 5y median -4.0× FY 2025
Interest Coverage 0.3×
FY 2016: 1.2×FY 2017: 3.9×FY 2018: 0.8×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 3.3×FY 2022: 1.8×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 0.5%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.8%FY 2019: 0.6%FY 2020: 0.3%FY 2021: 0.1%FY 2022: 0.4%FY 2023: 0.3%FY 2024: 0.3%FY 2025: 0.5%
FY 2016 5y median 0.3% FY 2025
Payout Ratio 8.2%
FY 2016: 19.9%FY 2017: 3.8%FY 2018: 9.3%FY 2019: 26.8%FY 2020: 8.2%FY 2021: 3.1%FY 2022: 3.0%FY 2023: 7.2%FY 2024: 7.0%FY 2025: 8.2%
FY 2016 5y median 7.0% FY 2025

Annual · latest fiscal year ends 2025-12-31