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LOB Live Oak Bancshares, Inc.

Trailing twelve months to 2026-06-30 · as filed 2026-08-04, not restated
Financials

Scale

Market cap
$1.8bn
Revenue TTM
$610m
Net income TTM
$140m
Free cash flow
$-52m
Composite score
42.2
Sector rank
#1690

Valuation

P / E
13.2
EV / EBITDA
EV / sales
3.0
FCF yield
-2.85%
Earnings yield vs 10-yr
2.88pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
22.9%
EBITDA margin
ROE
10.6%
ROIC
Revenue growth
15.5%

Insider activity, last 90 days

Net open-market
$-5.51m
Buyers
0
Sellers
5

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The Company generates revenue primarily from net interest income and secondarily through the origination and sale of government guaranteed loans. The Company also has less routinely generated gains and losses arising from its financial technology investments. Results of Operations Performance Summary Three months ended June 30, 2026 compared with three months ended June 30, 2025 For the three months ended June 30, 2026, the Company reported net income attributable to common shareholders of $34.7 million, or $0.74 per diluted share, compared to net income attributable to common shareholders of $23.4 million, or $0.51 per diluted share, for the three months ended June 30, 2025. …Live Oak Bancshares, Inc., 10-Q, period ended 2026-06-30, filed 2026-08-04

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