Live Oak Bancshares, Inc. (LOB.PA) balance sheet

LOB.PANYSEState Commercial BanksFiscal year ends December 31Also trades as LOB

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 18/3016% below fair value

$24.74+0.10 (+0.41%)

Close on Nov 3, 2026Market cap $1.15BP/E 8.7Yield 0.49%

Live Oak Bancshares, Inc. balance sheet

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31
Cash & Equivalents	865	609	583	417	204	318	221	–	–	–	–	–	–	–
Cash & Short-Term Investments	865	609	583	417	204	318	221	–	–	–	–	–	–	–
Property, Plant & Equipment	240	264	258	263	240	259	279	263	179	65	63	35	–	–
Gross Property, Plant & Equipment	374	382	355	360	318	316	325	290	195	74	67	38	–	–
Accumulated Depreciation	-134	-118	-97	-97	-77	-56	-46	-27	-16	-8.91	-4.71	-3.15	–	–
Equity Method Investments	37	91	119	110	84	78	86	–	–	–	–	–	–	–
Operating Lease Right-of-Use Assets	1.66	2.11	2.80	2.12	2.23	2.52	2.43	–	–	–	–	–	–	–
Goodwill	–	1.80	1.80	1.80	–	–	–	–	–	–	–	–	–	–
Intangible Assets	–	–	–	–	–	–	–	–	4.31	–	–	–	–	–
Total Assets	15,135	12,943	11,271	9,855	8,213	7,872	4,813	3,673	2,758	1,755	1,053	673	–	–
Short-Term Debt	–	–	–	–	–	–	–	1.44	0	0	0	6.10	–	–
Current Debt	–	–	–	–	–	–	–	1.44	0	0	0	6.10	–	–
Operating Lease Liabilities	2.16	2.64	3.18	2.56	2.44	2.76	2.62	–	–	–	–	–	–	–
Total Liabilities	13,881	11,940	10,369	9,044	7,498	7,304	4,280	3,177	2,322	1,532	853	582	–	–
Total Debt	–	–	–	–	–	–	–	1.44	0	0	0	6.10	–	–
Preferred Stock	–	0	0	0	0	–	–	–	0	0	0	–	–	–
Retained Earnings	810	716	643	572	401	236	180	167	120	24	12	-6.94	–	–
Comprehensive Income & Other	-45	-82	-85	-92	1.95	22	12	-1.68	-1.03	-0.65	-0.19	0.09	–	–
Shareholders' Equity	1,250	999	903	811	715	568	532	494	437	223	199	92	–	–
Noncontrolling Interest	4.24	4.47	0	–	–	–	–	–	–	0	0.03	0	–	–
Total Equity	1,254	1,003	903	811	715	568	532	494	437	223	199	92	48	32
Total Liabilities & Equity	15,135	12,943	11,271	9,855	8,213	7,872	4,813	3,670	2,758	1,755	1,053	673	–	–
Loans, Net	11,781	10,066	8,508	7,248	5,458	5,093	2,599	1,811	1,320	889	273	200	–	–
Allowance for Credit Losses	192	168	126	97	64	52	28	14	9.99	18	7.42	4.41	2.72	5.11
Deposits	13,689	11,760	10,275	8,885	7,112	5,713	4,227	3,150	2,260	1,485	805	522	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 22.9%
Return on equity, FY2025: 9.4%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 8.7
Price to sales: 1.88
Price to book: 0.87
Dividend yield: 0.49%

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