Live Oak Bancshares, Inc. (LOB)
Operating cash flow minus capital spending left $143.5M of free cash flow in fiscal 2025. At September 30, 2026 it held $1.1B in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 3, 2026.
Key facts about Live Oak Bancshares, Inc.
- Net worth
- Live Oak Bancshares, Inc. has a market value (market cap) of $1.6B at the latest share price, and shareholders' equity of $1.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $158.2M of cash; after $14.8M of capital spending, free cash flow was $143.5M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 3, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Live Oak Bancshares, Inc.'s next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Live Oak Bancshares, Inc. paid dividends of $0.12 per share in fiscal 2025, a yield of 0.35% at the current price.
What Live Oak Bancshares, Inc. does
Live Oak Bancshares, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NYSE under the ticker LOB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $105.9M | $2.23 | $143.5M |
| 2024 | n/a | $77.5M | $1.69 | $107.5M |
| 2023 | n/a | $73.9M | $1.64 | $138.1M |
| 2022 | n/a | $176.2M | $3.92 | -$344.5M |
| 2021 | n/a | $167M | $3.71 | -$122.8M |
| 2020 | $10.5M | $59.5M | $1.43 | -$282M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Live Oak Bancshares, Inc. paid $0.12 per share in fiscal 2025. At the current price that is a yield of 0.35%. It paid out $5.5M in cash dividends, 5% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.12 | $5.5M | 5% |
| 2024 | $0.12 | $5.4M | 7% |
| 2023 | $0.12 | $5.3M | 7% |
| 2022 | $0.12 | $5.3M | 3% |
| 2021 | $0.12 | $5.2M | 3% |
| 2020 | $0.12 | $4.9M | 8% |
Latest SEC filings
What Live Oak Bancshares, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026
- November 3, 2026
- October 21, 2026
- October 20, 2026
- August 28, 2026Other event 8-K
- August 18, 2026Other event 8-K
- August 4, 2026
- July 22, 2026
- July 2, 2026
- June 18, 2026
What is LOB worth? A DCF from its reported cash flow
Insider trades
What the people running Live Oak Bancshares, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $4.2M worth of shares in the last 90 days and bought none on the open market. Most of the selling (98%) was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 26, 2026 | Seward Gregory WGeneral Counsel | Soldpre-planned (10b5-1) | 4,514 | $159.2K |
| October 26, 2026 | Seward Gregory WGeneral Counsel | Soldpre-planned (10b5-1) | 486 | $17.4K |
| September 10, 2026 | Mahan James S IIIChief Executive Officer, Director, 10% owner | Soldpre-planned (10b5-1), indirect | 10,000 | $387.5K |
| September 9, 2026 | Mahan James S IIIChief Executive Officer, Director, 10% owner | Soldpre-planned (10b5-1), indirect | 10,000 | $386.3K |
| September 3, 2026 | Mahan James S IIIChief Executive Officer, Director, 10% owner | Soldpre-planned (10b5-1), indirect | 10,000 | $397.5K |
| September 3, 2026 | Williams William L. IIIDirector | Soldpre-planned (10b5-1), indirect | 6,590 | $264.2K |
| September 3, 2026 | Bradford Tonya WilliamsDirector | Sold | 1,600 | $63.8K |
| September 2, 2026 | Mahan James S IIIChief Executive Officer, Director, 10% owner | Soldpre-planned (10b5-1), indirect | 9,742 | $385.1K |
Who owns LOB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Mahan James S III13G, passive with 3 related filers | 14.4% | February 5, 2026 |
| T. Rowe Price Investment Management, Inc.13G, passive | 14.3% | November 14, 2024 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 240 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,515,856 | +82,957 |
| Vanguard Capital Management LLC | 1,654,730 | +121,959 |
| Dimensional Fund Advisors LP | 1,615,529 | +22,344 |
| State Street Corp | 1,367,619 | -69,696 |
| Barrow Hanley Mewhinney & Strauss LLC | 1,360,091 | -261,812 |
| Gilder Gagnon Howe & Co LLC | 1,123,910 | -69,204 |
| Vanguard Portfolio Management LLC | 996,870 | +88,724 |
| Southernsun Asset Management, LLC | 934,751 | -98,788 |
| Geode Capital Management, LLC | 912,543 | +58,585 |
| Loomis Sayles & Co L P | 671,994 | -56,135 |
| American Century Companies Inc | 667,556 | +485,769 |
| Royce & Associates LP | 646,091 | +72,241 |
| Algert Global LLC | 586,166 | +223,487 |
| William Blair Investment Management, LLC | 569,233 | -153,664 |
| Fuller & Thaler Asset Management, Inc. | 554,642 | +239,814 |
| Two Sigma Investments, LP | 420,262 | -13,906 |
| Northern Trust Corp | 320,783 | -3,604 |
| Charles Schwab Investment Management Inc | 299,270 | +8,636 |
| Raymond James Financial Inc | 287,390 | +24,602 |
| Manufacturers Life Insurance Company, The | 283,133 | -2,000 |
Insiders
18 insiders reported holding 4,527,481 shares in total, about $153.8M at the last price.
| Holder | Shares |
|---|---|
| Mahan James S IIIChief Executive Officer, Director, 10% owner | 2,747,8442,747,844 held indirectly |
| Williams William L. IIIDirector | 1,105,7261,105,726 held indirectly |
| Losch William C IIIPresident | 263,392 |
| Petty Miltom EmmettDirector | 130,839 |
| Seward Gregory WGeneral Counsel | 108,797 |
| Spencer CourtneyChief Experience Officer | 30,536 |
| Cameron William HendersonDirector | 19,850 |
| Derraik RenatoChief Info./Digital Off., Bank | 18,132 |
| Sutherland John W.Chief Accounting Officer | 16,622 |
| Lucht David GDirector | 13,623 |
Questions about LOB
What does Live Oak Bancshares, Inc. do?
Live Oak Bancshares, Inc. is a company in the Finance sector, listed on NYSE as LOB. Its shares trade on NYSE under the ticker LOB.
What is Live Oak Bancshares, Inc.'s net worth?
Live Oak Bancshares, Inc. has a market value (market cap) of $1.6B at the latest share price, and shareholders' equity of $1.3B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Live Oak Bancshares, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $139.4M.
When did Live Oak Bancshares, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 3, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the material agreement from November 5, 2026.
When is Live Oak Bancshares, Inc.'s next earnings report?
Live Oak Bancshares, Inc.'s next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Live Oak Bancshares, Inc. pay a dividend?
Yes. Live Oak Bancshares, Inc. paid dividends of $0.12 per share in fiscal 2025, a yield of 0.35% at the current price.
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Where the numbers come from
Financial figures are the values Live Oak Bancshares, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.