Live Oak Bancshares Inc
Research Live Oak Bancshares Inc (LOB) on Bullrun: valuation model: 9.8% undervalued, market cap USD 1.85B, P/E 14.0, dividend yield 0.3%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerLOB
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal9.8% undervalued
- Market capUSD 1.85B
- P/E14.0
- Dividend yield0.3%
- Financial periodQ2 2026
- RevenueUSD 151.18M
- Net incomeUSD 36.80M
- Free cash flowUSD 28.38M
Valuation Snapshot
Bullrun's latest valuation model marks Live Oak Bancshares Inc as 9.8% undervalued; latest market cap is USD 1.85B; P/E is 14.0; dividend yield is 0.3%.
Peer valuation comparison
Latest P/E is 14.04x versus a Financial Services sector median of 13.84x.
Latest dividend yield is 0.3% versus a Financial Services sector median of 3.86% (92.2% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 541.23M | USD 105.87M | USD 143.49M | n/a | 2.23 | USD 864.90M | USD 102.40M | USD 1.25B |
| FY2024 | USD 492.82M | USD 77.47M | USD 107.47M | n/a | 1.69 | USD 608.80M | USD 112.82M | USD 999.03M |
| FY2023 | n/a | USD 73.90M | USD 138.06M | n/a | 1.64 | USD 582.54M | USD 23.35M | USD 902.67M |
| FY2022 | n/a | USD 176.21M | -USD 344.50M | n/a | 3.92 | USD 416.64M | USD 86.21M | USD 811.03M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 1.85B | 14.0 | 0.3% | 0.12 |
| 2025 | 2025-12-31 | USD 1.58B | 15.4 | 0.3% | 0.12 |
| 2024 | 2024-12-31 | USD 1.79B | 23.4 | 0.3% | 0.12 |
| 2023 | 2023-12-29 | USD 2.02B | 34.5 | 0.3% | 0.12 |
| 2022 | 2022-12-30 | USD 1.33B | 6.6 | 0.4% | 0.12 |
| 2021 | 2021-12-31 | USD 3.83B | 23.5 | 0.1% | 0.12 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.12 USD, yield 0.3%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.12 USD |
| FY2024 | 0.12 USD |
| FY2023 | 0.12 USD |
| FY2022 | 0.12 USD |
About Live Oak Bancshares Inc
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;
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Frequently asked questions
Is Live Oak Bancshares Inc overvalued or undervalued?
Bullrun's valuation model currently marks Live Oak Bancshares Inc as 9.8% undervalued.
What is Live Oak Bancshares Inc's market cap?
Live Oak Bancshares Inc's market capitalization is USD 1.85B.
What is Live Oak Bancshares Inc's P/E ratio?
Live Oak Bancshares Inc's price-to-earnings (P/E) ratio is 14.0.
Does Live Oak Bancshares Inc pay a dividend?
Live Oak Bancshares Inc has a dividend yield of 0.3%.
What does Live Oak Bancshares Inc do?
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.