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About the company
Live Oak Bancshares, Inc. is the bank holding company for Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. The Bank operates a national online platform for small business lending and deposit gathering. In addition to the Bank, the Company directly or indirectly holds wholly owned subsidiaries, including Live Oak Ventures, Inc. (Live Oak Ventures), Live Oak Grove, LLC (Grove), and Government Loan Solutions, Inc. (GLS). Live Oak Ventures has an investment in Synply, Inc. (Synply). Synply is a cloud-based technology platform designed to simplify the loan syndication process for financial institutions. The Grove provides Company employees and business visitors with on-site dining at the Company’s Wilmington, North Carolina headquarters. GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government-guaranteed lending sector.
- Revenue in USD (TTM)908.47m
- Net income in USD102.82m
- Incorporated2008
- Employees1.03k
- LocationLive Oak Bancshares Inc1741 Tiburon DriveWILMINGTON 28403United StatesUSA
- Phone+1 (910) 790-5867
- Websitehttp://www.liveoakbank.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Byline Bancorp Inc | 572.18m | 130.05m | 1.53bn | 1.03k | 11.63 | 1.20 | 14.81 | 3.42 | 2.88 | 2.88 | 9.89 | 27.84 | -- | -- | -- | -- | 1.36 | 1.33 | -- | -- | -- | -- | 29.14 | 28.79 | -- | -- | -- | 13.89 | 1.11 | 19.06 | 7.69 | 28.80 | -- | 27.23 |
| QCR Holdings Inc | 489.43m | 127.19m | 1.59bn | 1.00k | 12.73 | 1.43 | 15.84 | 4.31 | 7.50 | 7.50 | 21.77 | 66.64 | -- | -- | -- | -- | 1.37 | 1.41 | -- | -- | -- | -- | 34.42 | 33.27 | -- | -- | -- | 3.59 | 1.57 | 19.80 | 11.72 | 15.99 | -- | 0.00 |
| Hope Bancorp Inc | 941.33m | 58.52m | 1.60bn | 1.24k | 26.99 | 0.7024 | -- | 3.21 | 0.4634 | 0.4634 | 3.94 | 17.81 | -- | -- | -- | -- | 0.3289 | 0.7882 | -- | -- | -- | -- | 11.73 | 26.28 | -- | -- | -- | 47.48 | -1.34 | 9.46 | -38.18 | -11.20 | -- | 0.00 |
| Triumph Financial Inc | 430.47m | 22.15m | 1.62bn | 1.54k | 73.89 | 1.81 | 51.04 | 3.70 | 0.9249 | 0.9249 | 18.48 | 39.63 | -- | -- | -- | -- | 0.4114 | 1.04 | -- | -- | -- | -- | 5.78 | 13.65 | -- | -- | -- | -- | 1.88 | 5.97 | 71.94 | -18.69 | -- | -- |
| S&T Bancorp Inc | 516.49m | 134.23m | 1.65bn | 1.21k | 12.65 | 1.13 | -- | 4.10 | 3.49 | 3.49 | 10.45 | 39.14 | -- | -- | -- | -- | 1.37 | 1.39 | -- | -- | -- | -- | 33.38 | 34.39 | -- | -- | -- | 37.11 | 0.1198 | 10.02 | 2.27 | 44.96 | -- | 4.26 |
| German American Bancorp Inc | 420.09m | 112.64m | 1.66bn | 1.02k | 14.66 | 1.43 | 18.35 | 4.60 | 3.03 | 3.03 | 9.83 | 31.00 | -- | -- | -- | -- | 1.53 | 1.45 | -- | -- | -- | -- | 31.16 | 33.32 | -- | -- | -- | 34.48 | 44.34 | 19.23 | 34.39 | 12.61 | -- | 8.83 |
| TriCo Bancshares | 470.57m | 121.56m | 1.69bn | 1.14k | 14.11 | 1.27 | 17.95 | 4.03 | 3.70 | 3.70 | 12.76 | 41.07 | -- | -- | -- | -- | 1.25 | 1.27 | -- | -- | -- | -- | 29.00 | 30.19 | -- | -- | -- | 32.58 | 0.843 | 11.99 | 5.82 | 13.40 | -- | 9.42 |
| Bank First Corp | -100.00bn | -100.00bn | 1.70bn | 366.00 | -- | 2.31 | -- | -- | -- | -- | -- | 65.47 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| 1st Source Corp | 504.56m | 147.30m | 1.72bn | 1.21k | 11.73 | 1.39 | 10.93 | 4.08 | 6.01 | 6.01 | 17.16 | 50.60 | -- | -- | -- | -- | 1.67 | 1.44 | -- | -- | -- | -- | 35.31 | 32.52 | -- | -- | -- | 27.41 | 16.10 | 11.34 | 6.19 | 7.52 | 3.27 | 4.94 |
| Federal Agricultural Mortgage Corp | 1.59bn | 192.70m | 1.81bn | 191.00 | 9.79 | 1.59 | -- | 1.13 | 17.55 | 17.55 | 144.97 | 154.29 | 0.0497 | -- | 5.01 | 8,332,681.00 | 0.6751 | 0.6291 | 0.9982 | 0.9519 | 25.00 | 31.08 | 13.57 | 17.96 | -- | -- | 0.9488 | 31.21 | 15.09 | 19.96 | 4.39 | 14.01 | -- | 14.87 |
| Live Oak Bancshares Inc | 908.47m | 102.82m | 1.88bn | 1.03k | 18.31 | 1.63 | 23.79 | 3.25 | 2.23 | 2.23 | 12.56 | 27.15 | -- | -- | -- | -- | 0.7525 | 1.12 | -- | -- | -- | -- | 18.28 | 23.47 | -- | -- | -- | 4.49 | 11.83 | 25.79 | 32.72 | 13.00 | -- | 0.00 |
| Stellar Bancorp Inc | 574.47m | 102.87m | 1.99bn | 1.08k | 19.72 | 1.19 | 15.00 | 4.70 | 1.99 | 1.99 | 8.17 | 32.78 | -- | -- | -- | -- | 0.9476 | 0.9825 | -- | -- | -- | -- | 24.30 | 24.63 | -- | -- | -- | 28.78 | -4.64 | 33.01 | -10.55 | 31.30 | -- | 7.34 |
| Pathward Financial Inc | 516.26m | 190.47m | 2.04bn | 1.17k | 11.41 | 2.43 | 12.20 | 2.46 | 8.22 | 8.22 | 36.04 | 38.55 | -- | -- | -- | -- | 2.53 | 2.34 | -- | -- | -- | -- | 23.13 | 23.37 | -- | -- | -- | 3.43 | 0.835 | 12.32 | 2.01 | 12.60 | 26.56 | 0.00 |
| Stock Yards Bancorp Inc | 467.59m | 140.15m | 2.10bn | 1.14k | 14.99 | -- | 19.53 | 5.28 | 4.75 | 4.75 | 13.46 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 35.28 | 32.17 | -- | -- | -- | -- | 13.25 | 25.89 | 22.36 | 18.94 | -- | -1.37 |
| Walker & Dunlop, Inc. | 1.24bn | 112.29m | 2.15bn | 1.40k | 18.76 | 1.20 | 6.05 | 1.74 | 3.37 | 3.37 | 37.08 | 52.89 | 0.2382 | -- | 3.63 | 883,297.40 | 2.14 | 4.30 | 2.15 | 4.41 | -- | -- | 9.00 | 15.97 | -- | 12.61 | 0.6283 | 39.77 | 7.40 | 6.74 | 1.07 | -8.82 | 22.43 | 16.72 |
| Enterprise Financial Services Corp | 888.41m | 197.62m | 2.21bn | 1.22k | 11.29 | 1.13 | 14.68 | 2.99 | 5.30 | 5.30 | 19.85 | 55.17 | -- | -- | -- | -- | 1.22 | 1.31 | -- | -- | -- | -- | 27.22 | 30.87 | -- | -- | -- | 20.37 | 4.39 | 23.86 | 8.87 | 21.58 | -- | 11.12 |
Data as of Feb 06 2026. Currency figures normalised to Live Oak Bancshares Inc's reporting currency: US Dollar USD
40.56%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2025 | 6.52m | 14.26% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 2.53m | 5.53% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 2.42m | 5.29% |
| Barrow, Hanley, Mewhinney & Strauss LLCas of 30 Sep 2025 | 1.78m | 3.88% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 1.45m | 3.16% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 1.25m | 2.72% |
| SouthernSun Asset Management LLCas of 30 Sep 2025 | 894.31k | 1.96% |
| Geode Capital Management LLCas of 30 Sep 2025 | 826.22k | 1.81% |
| Columbia Management Investment Advisers LLCas of 30 Sep 2025 | 519.96k | 1.14% |
| Hotchkis & Wiley Capital Management LLCas of 30 Sep 2025 | 370.87k | 0.81% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
