LOB
Live Oak Bancshares, Inc.
NYSE: LOB · FINANCIAL SERVICES · BANKS - REGIONAL
$37.07
-1.41% today
Updated 2026-05-01
Market cap
$1.75B
P/E ratio
14.44
P/S ratio
3.41x
EPS (TTM)
$2.62
Dividend yield
0.31%
52W range
$25 – $43
Volume
0.3M
Live Oak Bancshares, Inc. (LOB) Financial statements
SEC filings — annual and quarterly data.
Profit margin
24.60%
Operating margin
35.50%
ROE
10.90%
ROA
0.87%
Debt/equity
0.08x
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2011 | $40.87M | $14.31M | 86.32% | 35.02% | 35.02% |
| 2012 | $54.16M | $16.09M | 89.40% | 27.33% | 29.72% |
| 2013 | $60.58M | $28.06M | 93.95% | 46.13% | 46.32% |
| 2014 | $81.18M | $10.05M | 89.35% | 21.48% | 12.38% |
| 2015 | $112.95M | $20.63M | 88.78% | 30.45% | 18.26% |
| 2016 | $144.79M | $13.77M | 81.24% | 11.88% | 9.51% |
| 2017 | $203.25M | $100.50M | 82.79% | 48.34% | 49.45% |
| 2018 | $253.33M | $51.45M | 76.25% | 18.18% | 20.31% |
| 2019 | $289.51M | $18.03M | 64.39% | 8.10% | 6.23% |
| 2020 | $378.31M | $59.54M | 64.49% | 12.53% | 15.74% |
| 2021 | $506.41M | $167.00M | 84.27% | 41.62% | 32.98% |
| 2022 | $508.83M | $176.21M | 68.97% | 41.33% | 34.63% |
| 2023 | $776.55M | $73.90M | 49.23% | 10.67% | 9.52% |
| 2024 | $929.29M | $77.47M | 42.68% | 9.60% | 8.34% |
| 2025 | $1.04B | $103.78M | 48.31% | 15.46% | 9.97% |