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Live Oak Bancshares, Inc.

LOB

$33.87 ▼ -1.32 (-3.77%) at close

13 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Live Oak Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.5B

Dividend Yield 0.35%

Revenue Growth 18.3% ↗

Op. Margin 24.7% ↗

ROIC None

FCF / Share None

Trailing P/E 15.1x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

13-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$577.82M

↑ +18.3% —

Net Income Profit after all expenses

$105.87M

↑ +36.7% —

Operating Margin Operating profit as % of sales

24.7%

↑ +35.3% 81th

Long-Term Debt Long-term obligations

$16.00K

↓ -99.9% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.12 Latest / share

+0.0% YoY

+2.3% 9-yr CAGR

FY 2014

FY 2015

FY 2016

$0.10

FY 2017

$0.12

FY 2018

$0.12

FY 2019

$0.12

FY 2020

$0.12

FY 2021

$0.12

FY 2022

$0.12

FY 2023

$0.12

FY 2024

$0.12

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Revenue Growth YoY (%)	18.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+204%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	-19.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-420%)	23.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+296%)	62.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+946%)	37.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+531%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-165%)	-15.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-360%)	84.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1305%)	23.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+298%)	47.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+684%)	11.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	—
EPS Growth YoY (%)	30.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	3.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-58.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	165.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	224.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-64.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-53.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	587.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	57.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-69.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	36.7% Excellent ↑ Excellent Improving Year-over-year change in net income	4.8% Caution ↓ Caution Declining Year-over-year change in net income	-58.1% Weak ↓ Weak Declining Year-over-year change in net income	5.5% Fair ↓ Fair Declining Year-over-year change in net income	180.5% Excellent ↑ Excellent Improving Year-over-year change in net income	230.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-64.9% Weak ↓ Weak Declining Year-over-year change in net income	-48.8% Weak ↓ Weak Declining Year-over-year change in net income	629.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-33.2% Weak ↓ Weak Declining Year-over-year change in net income	105.3% Excellent Excellent Year-over-year change in net income	-64.2% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	17.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	40.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	29.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	24.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	49.7% Excellent Excellent Compound annual revenue growth over 3 years	26.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	15.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	20.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.2% Excellent Excellent Compound annual revenue growth over 5 years	25.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	-17.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-23.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	107.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	44.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-19.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	24.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	87.1% Excellent Excellent Compound annual EPS growth over 3 years	-33.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Operating Margin (%) (%)	24.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	18.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	37.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	46.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	16.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	11.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	21.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	39.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	12.6% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	31.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	23.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	41.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)
Effective Tax Rate (%) (%)	26.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-25.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-11.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	18.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	15.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	16.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	36.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	21.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	8.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	40.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	10.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	18.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	13.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	41.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	21.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+81%)	23.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+95%)	10.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	—	—	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	10.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.14x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.52x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Revenue per Share (USD)	$12.64	$10.85	$10.30	$12.89	$10.59	$6.90	$5.06	$5.29	$6.86	$3.98	$3.54	$3.12	$3.31
Basic EPS, GAAP (USD)	$2.25	$1.72	$1.67	$4.02	$3.87	$1.46	$0.45	$1.28	$2.75	$0.40	$0.66	$0.42	$1.38
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.10	—	—	—	—
Book Value per Share (USD)	$27.35	$22.20	$20.35	$18.49	$16.57	$13.96	$13.24	—	—	$6.52	$6.42	$3.83	—
Tangible Book Value per Share (USD)	$27.35	$22.16	$20.31	$18.45	$16.57	$13.96	$13.24	—	—	$6.52	$6.42	$3.83	—
Basic Weighted Avg Shares (shares)	45.70M	45.01M	44.35M	43.86M	43.17M	40.68M	40.22M	40.06M	36.59M	34.20M	31.08M	23.97M	20.35M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	$16.00K	$26.56M	$27.84M	$28.38M	$41.85M	—
Total Equity (USD)	$1.25B	$999.03M	$902.67M	$811.03M	$715.13M	$567.85M	$532.39M	—	—	$222.85M	$199.46M	$91.81M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Sales/Revenue/Turnover (USD)	$577.82M	$488.56M	$457.04M	$565.49M	$456.99M	$280.72M	$203.60M	$211.81M	$250.96M	$136.19M	$109.92M	$74.75M	$67.26M
Depreciation Expense (USD)	$30.00M	$23.40M	$21.10M	$20.60M	$21.20M	$21.60M	$19.30M	$16.00M	$9.60M	$4.20M	$2.90M	$2.20M	$1.50M
Net Income, GAAP (USD)	$105.87M	$77.47M	$73.90M	$176.21M	$167.00M	$59.54M	$18.03M	$51.45M	$100.50M	$13.77M	$20.62M	$10.05M	$28.06M
Operating Cash Flow (USD)	$158.24M	$156.78M	$620.07M	$124.48M	$-119.72M	$-261.00M	$-482.52M	$11.52M	$-287.53M	$-221.95M	$-334.68M	$-261.51M	$-44.17M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.9%	3.1%	3.3%	3.6%	2.5%	2.9%	2.9%	2.8%	2.4%	2.4%	2.2%	—
Efficiency Ratio (%) (%)	58.6%	62.0%	70.6%	55.6%	50.5%	68.6%	81.0%	72.1%	57.0%	78.2%	65.2%	72.9%	59.7%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 13 years · 50 quarters

Live Oak Bancshares, Inc.

Analytical Summary

13-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

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