Live Oak Bancshares, Inc.

LOB.US
Financial Services · Banks - Regional
42.92
+0.74 (+1.75%)
USD · NYSE

Company Information

Company Name
Live Oak Bancshares, Inc.
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US53803X1054
CIK: 0001462120
CUSIP: 53803X105
Currency: USD
Full Time Employees: 1,027
Phone: 910 790 5867
Fiscal Year End: December
IPO Date: Jul 23, 2015
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.

Address:

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

People

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

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

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 6.49M Mar 31, 2026 14.03% $0.15 -20.26%
BlackRock Inc 3.43M Mar 31, 2026 7.42% $0.00 -4.00%
Vanguard Group Inc 2.70M Dec 31, 2025 5.84% $0.00 0.64%
Barrow Hanley Mewhinney & Strauss LLC 1.62M Mar 31, 2026 3.51% $0.18 -6.02%
Dimensional Fund Advisors, Inc. 1.59M Mar 31, 2026 3.44% $0.01 3.56%
Vanguard Capital Management, LLC 1.53M Mar 31, 2026 3.31% $0.00 0.00%
State Street Corp 1.44M Mar 31, 2026 3.11% $0.00 9.85%
Gilder Gagnon Howe & CO LLC 1.19M Mar 31, 2026 2.58% $0.47 0.00%
SouthernSun Asset Management, LLC 1.03M Mar 31, 2026 2.23% $4.95 0.43%
Vanguard Portfolio Management, LLC 908.15K Mar 31, 2026 1.96% $0.00 0.00%
Geode Capital Management, LLC 853.96K Mar 31, 2026 1.85% $0.00 4.47%
Loomis, Sayles & Company LP 728.13K Mar 31, 2026 1.57% $0.03 30.39%
William Blair Investment Management, LLC 722.90K Mar 31, 2026 1.56% $0.08 11.46%
Royce & Associates, LP 573.85K Mar 31, 2026 1.24% $0.19 132.01%
Two Sigma Investments LLC 434.17K Mar 31, 2026 0.94% $0.01 51.72%
Algert Global LLC 362.68K Mar 31, 2026 0.78% $0.18 32.60%
Northern Trust Corp 324.39K Mar 31, 2026 0.70% $0.00 13.78%
The Goldman Sachs Group Inc 319.00K Mar 31, 2026 0.69% $0.00 8.78%
Fuller & Thaler Asset Management Inc 314.83K Mar 31, 2026 0.68% $0.04 -29.60%
Charles Schwab Investment Management Inc 290.63K Mar 31, 2026 0.63% $0.00 -0.45%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Small-Cap Value 2.34M 5.06% ▼ 0.42% Jun 30, 2026
2 T. Rowe Price U.S. SC Value Eq Tr-D 1.52M 3.28% ▼ 0.60% Jun 30, 2026
3 Vanguard Total Stock Mkt Idx Inv 1.18M 2.55% ▲ 9.80% Jun 30, 2026
4 T. Rowe Price Small-Cap Stock 965.64K 2.09% ▼ 0.04% Jun 30, 2026
5 T. Rowe Price US Small-Cap Core Equity 965.64K 2.09% ▼ 0.11% Jun 30, 2026
6 iShares Russell 2000 ETF 942.78K 2.04% ▼ 0.73% Jun 30, 2026
7 SouthernSun Small Cap 703.03K 1.52% ▼ 10.12% Jun 30, 2026
8 T. Rowe Price Instl Small-Cap Stock 525.63K 1.14% ▲ 0.00% Jun 30, 2026
9 Avantis US Small Cap Value ETF 469.98K 1.02% ▲ 0.32% Jun 30, 2026
10 T. Rowe Price U.S. SC Core Eq Tr-D 451.12K 0.98% ▲ 0.23% Jun 30, 2026

Financial Highlights

Market Cap: $1.95B
P/E Ratio: $14.75
PEG Ratio: $0.00
Book Value: $25.55
Dividend/Share: $0.12
Dividend Yield: 0.29%
Earnings/Share: $2.86
Profit Margin: 26.51%
Operating Margin: 38.83%
ROA (TTM): 0.93%
ROE (TTM): 11.68%
Revenue (TTM): $526.38M
Revenue/Share (TTM): $11.44
Earnings Growth (YOY): 45.10%
Revenue Growth (YOY): 8.40%

Valuation Metrics

Enterprise Value: $1.22B
Trailing P/E: 14.75
Forward P/E: 10.19

Shares Statistics

Shares Outstanding: 46.26M
Shares Float: 36.02M
% Insiders: 2,280.50%
% Institutions: 7,198.60%
Short % Float: 6.74%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
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

Financial Ratios

📦 Raw API Data (JSON Explorer)

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