About Live Oak Bancshares, Inc.
https://www.liveoakbank.comLive Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States.
CEO
James S. Mahan III
Compensation Summary
(Year 2021)
ETFs Holding This Stock
Summary
Showing Top 3 of 125
Ratings Snapshot
Rating : B
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
Shares:6.52M
Value:$245.19M
BLACKROCK, INC.
Shares:3.22M
Value:$121.05M
BLACKROCK INC.
Shares:2.76M
Value:$103.69M
Summary
Showing Top 3 of 265
About Live Oak Bancshares, Inc.
https://www.liveoakbank.comLive Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $258.4M ▲ | $83.64M ▼ | $26.52M ▲ | 10.26% ▲ | $0.56 ▲ | $43.24M ▲ |
| Q2-2025 | $257.07M ▲ | $87.55M ▲ | $23.43M ▲ | 9.11% ▲ | $0.51 ▲ | $37.99M ▲ |
| Q1-2025 | $236.34M ▼ | $81.67M ▲ | $9.72M ▼ | 4.11% ▼ | $0.21 ▼ | $20.11M ▲ |
| Q4-2024 | $239.92M ▲ | $78.01M ▲ | $9.9M ▼ | 4.13% ▼ | $0.22 ▼ | $19.88M ▼ |
| Q3-2024 | $238.27M | $74M | $13.03M | 5.47% | $0.28 | $24.15M |
What's going well?
Profits are up, with operating income and net income both showing double-digit growth. The company is keeping costs in check, leading to better margins and improved efficiency.
What's concerning?
Revenue growth is nearly flat, and a sharp drop in sales and marketing spending could slow future growth. High interest costs continue to weigh heavily on profits.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $1.64B ▲ | $14.67B ▲ | $13.46B ▲ | $1.2B ▲ |
| Q2-2025 | $1.39B ▼ | $13.83B ▲ | $12.76B ▲ | $1.06B ▲ |
| Q1-2025 | $1.45B ▲ | $13.6B ▲ | $12.56B ▲ | $1.03B ▲ |
| Q4-2024 | $634.39M ▼ | $12.94B ▲ | $11.94B ▲ | $999.03M ▼ |
| Q3-2024 | $1.9B | $12.61B | $11.6B | $1.01B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $-16.79M ▼ | $-313.15M ▼ | $1.34B ▲ | $786.69M ▲ | $1.81B ▲ | $-309.43M ▼ |
| Q2-2025 | $23.39M ▲ | $208.17M ▲ | $-485.06M ▲ | $195.38M ▼ | $-81.51M ▼ | $206.74M ▲ |
| Q1-2025 | $9.67M ▼ | $104.98M ▼ | $-599.26M ▼ | $629.75M ▲ | $135.46M ▲ | $102.68M ▼ |
| Q4-2024 | $9.84M ▼ | $170.69M ▼ | $-586.22M ▲ | $357.75M ▼ | $-57.78M ▼ | $166.67M ▼ |
| Q3-2024 | $13.03M | $191.01M | $-828.6M | $688.72M | $51.14M | $184.61M |
CEO
James S. Mahan III
Compensation Summary
(Year 2021)
ETFs Holding This Stock
Summary
Showing Top 3 of 125
Ratings Snapshot
Rating : B
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
Shares:6.52M
Value:$245.19M
BLACKROCK, INC.
Shares:3.22M
Value:$121.05M
BLACKROCK INC.
Shares:2.76M
Value:$103.69M
Summary
Showing Top 3 of 265