LOB

Live Oak Bancshares, Inc.

LOB.US liveoak.bank + Research + Basket
CIK 0001462120
Employees 1,027
Phone 910 790 5867
Fiscal year end December
IPO Jul 23, 2015
Address 1741 Tiburon Drive, Wilmington, NC, United States, 28403
34.47
-0.60 (-1.71%)
USD · NYSE
52-week range
29.26
44.50
Trading at 34% of the 52-week range
Market Cap
1.63B
P/E Ratio
12.48
Forward P/E
7.91
Book Value
26.13
Div. Yield
0.35%
% Institutions
72.62%
% Insiders
22.87%

1 Year

+9.4%

3 Year

+20.7%

10 Year

+125.2%
Description

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides 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, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

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People

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Directors & Officers

Name Title Year Born
Mr. James S. Mahan III Chairman & CEO 1952
Mr. William C. Losch III President 1971
Mr. Walter J. Phifer Chief Financial Officer 1984
Mr. Mark M. Moroz Chief Banking Officer 1974
Mr. Renato Derraik Chief Information & Digital Officer and Interim Information Security Officer of Bank 1972
Mr. William L. Williams III Vice Chairman & Executive VP 1952
Mr. Matthew S. Diffley Principal Accounting Officer 1980
Mr. Gregory W. Seward J.D. General Counsel 1976
Ms. Claire Parker Senior Vice President of Corporate Communications NA
Ms. E. Dawn Thompson Senior Vice President of Government Relations NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Mar 02, 2026 Gregory W Seward N/A Sale 3.00K $36.70 $110.10K SEC
Mar 02, 2026 Walter J Phifer N/A Sale 4.71K $36.58 $172.36K SEC
Jan 26, 2026 Courtney Spencer N/A Sale 9.70K $39.01 $378.40K SEC
Jan 26, 2026 Ewa Maria Stasiowska N/A Purchase 2.60K $38.53 $99.99K SEC
Nov 20, 2025 Tonya Williams Bradford N/A Purchase 1.00K $30.24 $30.24K SEC
Nov 19, 2025 Gregory W Seward N/A Sale 1.20K $30.20 $36.24K SEC
May 06, 2025 William Henderson Cameron N/A Purchase 5.00K $25.92 $129.60K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 6.47M Jun 30, 2026 13.95% $0.17 -0.29%
BlackRock Inc 3.52M Jun 30, 2026 7.58% $0.00 2.42%
Vanguard Capital Management, LLC 1.65M Jun 30, 2026 3.57% $0.00 7.96%
Dimensional Fund Advisors, Inc. 1.62M Jun 30, 2026 3.48% $0.01 1.40%
State Street Corp 1.37M Jun 30, 2026 2.95% $0.00 -4.85%
Barrow Hanley Mewhinney & Strauss LLC 1.36M Jun 30, 2026 2.93% $0.17 -16.14%
Gilder Gagnon Howe & CO LLC 1.12M Jun 30, 2026 2.42% $0.47 -5.80%
Vanguard Portfolio Management, LLC 996.87K Jun 30, 2026 2.15% $0.00 9.77%
SouthernSun Asset Management, LLC 934.75K Jun 30, 2026 2.02% $5.14 -9.56%
Geode Capital Management, LLC 912.54K Jun 30, 2026 1.97% $0.00 6.86%
Loomis, Sayles & Company LP 671.99K Jun 30, 2026 1.45% $0.03 -7.71%
American Century Companies Inc 667.56K Jun 30, 2026 1.44% $0.01 267.22%
Royce & Associates, LP 646.09K Jun 30, 2026 1.39% $0.21 12.59%
Algert Global LLC 586.17K Jun 30, 2026 1.26% $0.28 61.62%
William Blair Investment Management, LLC 569.23K Jun 30, 2026 1.23% $0.07 -21.26%
Fuller & Thaler Asset Management Inc 554.64K Jun 30, 2026 1.20% $0.06 76.17%
Two Sigma Investments LLC 420.26K Jun 30, 2026 0.91% $0.01 -3.20%
Northern Trust Corp 320.78K Jun 30, 2026 0.69% $0.00 -1.11%
Charles Schwab Investment Management Inc 299.27K Jun 30, 2026 0.65% $0.00 2.97%
Manufacturers Life Insurance Co 283.13K Jun 30, 2026 0.61% $0.01 -0.70%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Small-Cap Value 2.19M 4.73% ▼ 1.12% Sep 30, 2026
2 Vanguard MStar Total Stk Mkt Idx Invest 1.18M 2.55% ▲ 0.00% Sep 30, 2026
3 iShares Russell 2000 ETF 974.93K 2.10% ▲ 0.99% Sep 30, 2026
4 T. Rowe Price Small-Cap Stock 958.69K 2.07% ▼ 0.57% Sep 30, 2026
5 Avantis US Small Cap Value ETF 775.44K 1.67% ▲ 0.35% Sep 30, 2026
6 Loomis Sayles Small Cap Growth Instl 515.26K 1.11% ▲ 22.05% Aug 31, 2026
7 T. Rowe Price Instl Small-Cap Stock 514.75K 1.11% ▼ 2.07% Sep 30, 2026
8 Vanguard Small Cap Index 416.93K 0.90% ▼ 2.03% Sep 30, 2026
9 Fidelity Small Cap Index 398.02K 0.86% ▲ 0.85% Jul 31, 2026
10 American Beacon Small Cp Val R5 358.80K 0.77% ▲ 1.86% Sep 30, 2026

Financial Highlights

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Market Cap: $1.63B
P/E Ratio: $12.48
PEG Ratio: $0.00
Book Value: $26.13
Dividend/Share: $0.12
Dividend Yield: 0.35%
Earnings/Share: $2.81
Profit Margin: 26.44%
Operating Margin: 32.68%
ROA (TTM): 0.88%
ROE (TTM): 11.06%
Revenue (TTM): $527.26M
Revenue/Share (TTM): $11.42
Earnings Growth (YOY): -5.50%
Revenue Growth (YOY): -2.30%

Valuation Metrics

Enterprise Value: $726.35M
Trailing P/E: 12.48
Forward P/E: 7.91

Shares Statistics

Shares Outstanding: 46.38M
Shares Float: 36.17M
% Insiders: 22.87%
% Institutions: 72.62%
Shares Short: 2.10M
Shares Short (Prior Month): 2.32M
Short Ratio: 10.55
Short % Float: 8.30%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

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Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$1.04B
Cost of Goods Sold
adjust
$-538.25M
Gross Profit
subtotal
$503.00M
SG&A
adjust
$-241.63M
Other Operating Expense
adjust
$-100.39M
Operating Income
subtotal
$160.98M
Other / Non-Operating Items
adjust
$-57.21M
Net Income
subtotal
$103.78M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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