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	Q2 2026 2026-06-30	Q1 2026 2026-03-31	Q4 2025 2025-12-31	Q3 2025 2025-09-30	Q2 2025 2025-06-30	Q1 2025 2025-03-31	Q4 2024 2024-12-31	Q3 2024 2024-09-30	Q2 2024 2024-06-30	Q1 2024 2024-03-31	Q4 2023 2023-12-31	Q3 2023 2023-09-30	Q2 2023 2023-06-30	Q1 2023 2023-03-31	Q4 2022 2022-12-31	Q3 2022 2022-09-30	Q2 2022 2022-06-30	Q1 2022 2022-03-31	Q4 2021 2021-12-31	Q3 2021 2021-09-30	Q2 2021 2021-06-30	Q1 2021 2021-03-31	Q4 2020 2020-12-31	Q3 2020 2020-09-30	Q2 2020 2020-06-30	Q1 2020 2020-03-31	Q4 2019 2019-12-31	Q3 2019 2019-09-30	Q2 2019 2019-06-30	Q1 2019 2019-03-31	Q4 2018 2018-12-31	Q3 2018 2018-09-30	Q2 2018 2018-06-30	Q1 2018 2018-03-31	Q4 2017 2017-12-31	Q3 2017 2017-09-30	Q2 2017 2017-06-30	Q1 2017 2017-03-31	Q4 2016 2016-12-31	Q3 2016 2016-09-30
Cash & Equivalents	928	816	865	892	663	744	609	667	615	597	583	535	808	463	417	403	632	508	204	347	–	–	318	–	–	–	221	–	–	–	–	–	–	–	–	–	–	–	–	–
Cash & Short-Term Investments	928	816	865	892	663	744	609	667	615	597	583	535	808	463	417	403	632	508	204	347	–	–	318	–	–	–	221	–	–	–	–	–	–	–	–	–	–	–	–	–
Property, Plant & Equipment	231	235	240	241	246	259	264	267	268	258	258	258	269	268	263	260	258	255	240	244	249	254	259	254	269	274	279	281	281	272	263	264	235	217	179	129	125	101	65	61
Gross Property, Plant & Equipment	–	–	374	–	–	–	382	–	–	–	355	–	–	–	360	–	–	–	318	–	–	–	316	–	–	–	325	–	–	–	290	–	–	–	195	–	–	–	74	–
Accumulated Depreciation	–	–	-134	–	–	–	-118	–	–	–	-97	–	–	–	-97	–	–	–	-77	–	–	–	-56	–	–	–	-46	–	–	–	-27	–	–	–	-16	–	–	–	-8.91	–
Equity Method Investments	34	35	37	85	86	87	91	112	115	116	119	112	114	116	110	112	105	98	84	81	82	81	78	–	–	–	86	–	–	–	–	–	–	–	–	–	–	–	–	–
Operating Lease Right-of-Use Assets	–	–	1.66	–	–	–	2.11	–	–	–	2.80	–	–	–	2.12	–	–	–	2.23	–	–	–	2.52	2.70	2.89	2.24	2.43	1.89	2.00	2.14	–	–	–	–	–	–	–	–	–	–
Goodwill	–	–	–	–	–	–	1.80	–	–	–	1.80	–	–	–	1.80	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Intangible Assets	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	4.31	–	–	–	–	–
Total Assets	16,038	15,300	15,135	14,666	13,831	13,596	12,943	12,607	11,869	11,506	11,271	10,950	10,819	10,364	9,855	9,315	9,121	8,620	8,213	8,137	8,243	8,418	7,872	8,093	8,209	5,274	4,813	4,604	4,274	4,058	3,673	3,445	3,473	3,461	2,758	2,432	2,198	1,932	1,755	1,670
Short-Term Debt	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1.30	1.35	1.39	1.44	0	0	0	0	–	10	13	0	–
Current Debt	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1.30	1.35	1.39	1.44	0	0	0	0	–	10	13	0	–
Operating Lease Liabilities	–	–	2.16	–	–	–	2.64	–	–	–	3.18	–	–	–	2.56	–	–	–	2.44	–	–	–	2.76	2.93	3.08	2.42	2.62	2.04	2.16	2.31	–	–	–	–	–	–	–	–	–	–
Total Liabilities	14,721	14,018	13,881	13,463	12,764	12,564	11,940	11,600	10,908	10,578	10,369	10,100	9,987	9,541	9,044	8,512	8,329	7,907	7,498	7,448	7,586	7,828	7,304	7,509	7,661	4,743	4,280	4,075	3,755	3,558	3,177	2,968	3,010	3,012	2,322	2,068	1,960	1,706	1,532	1,456
Total Debt	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1.30	1.35	1.39	1.44	0	0	0	0	–	10	13	0	–
Preferred Stock	–	–	–	–	0	0	0	0	0	0	0	0	0	0	0	0	–	–	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	–	–	–	0	–
Retained Earnings	870	836	810	771	746	724	716	707	695	669	643	628	589	573	572	572	530	434	401	372	339	275	236	207	175	172	180	175	172	168	167	158	145	132	120	50	38	29	24	19
Comprehensive Income & Other	-53	-47	-45	-52	-62	-68	-82	-61	-91	-91	-85	-118	-98	-84	-92	-95	-59	-37	1.95	8.07	13	9.13	22	25	25	18	12	16	13	0.99	-1.68	-6.61	-5.02	-3.52	-1.03	-0.62	-0.52	-0.70	-0.65	0.13
Shareholders' Equity	1,313	1,278	1,250	1,198	1,063	1,027	999	1,008	961	928	903	850	832	823	811	802	792	713	715	689	657	590	568	584	548	534	532	528	519	500	494	–	–	–	437	–	–	–	223	214
Noncontrolling Interest	4.05	4.15	4.24	4.33	4.38	4.42	4.47	–	–	–	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	0
Total Equity	1,317	1,282	1,254	1,203	1,067	1,031	1,003	1,008	961	928	903	850	832	823	811	802	792	713	715	689	657	590	568	584	548	534	532	528	519	500	494	477	463	449	437	365	238	226	223	214
Total Liabilities & Equity	16,038	15,300	15,135	14,666	13,831	13,596	12,943	12,607	11,869	11,506	11,271	10,950	10,819	10,364	9,855	9,315	9,121	8,620	8,213	8,137	8,243	8,418	7,872	8,093	8,209	5,276	4,813	4,604	4,274	4,058	3,670	3,445	3,473	3,461	2,758	2,432	2,198	1,932	1,755	1,670
Loans, Net	12,437	11,965	11,781	11,369	10,832	10,504	10,066	9,663	9,034	8,774	8,508	8,081	7,716	7,579	7,248	6,775	5,794	5,675	5,458	5,359	5,384	5,404	5,093	4,993	4,606	2,782	2,599	2,399	2,187	1,967	1,811	1,605	1,505	1,414	1,320	1,149	1,065	981	889	752
Allowance for Credit Losses	193	193	192	186	182	190	168	169	138	139	126	121	120	108	97	78	66	63	64	60	58	52	52	44	44	36	28	24	21	18	14	27	29	28	9.99	21	20	18	18	15
Deposits	14,548	13,835	13,689	13,291	12,595	12,396	11,760	11,401	10,707	10,383	10,275	10,004	9,879	9,422	8,885	8,405	8,156	7,637	7,112	6,817	6,521	6,316	5,713	5,706	5,873	4,642	4,227	4,019	3,722	3,528	3,150	2,924	2,969	2,973	2,260	2,013	1,872	1,639	1,485	1,403

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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