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Live Oak Bancshares LOB Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

The BancorpTBBK

33.5%-3.8pp

OFG BancorpOFG

28.9%+1.8pp

National Bank HoldingsNBHC

24.1%-3.4pp

Other financials

Income statement

Revenue$145.5M+18.4%

Net income$30.0M+209%

EPS (diluted)$0.60+186%

Balance sheet

Cash & equivalents$816.1M+9.7%

Total debt$99.7M-9.5%

Total equity$1.3B+24.4%

Total assets$15.3B+12.5%

Cash flow

Operating cash flow$87.4M+394%

CapEx$2.0M-10.8%

Free cash flow$85.3M+366%

Valuation

Market cap$1.84B+25.8%

Enterprise value$1.13B+39.8%

P/E14.6×-10.0×

P/S3.1×+0.1×

Profitability

FCF margin43.7%+30.2pp

Returns & leverage

Return on equity11%+4.9pp

Debt / equity0.1×0.0×

Where this comes from

Calculated from Live Oak Bancshares’s reported figures.

net income/total revenue=21.1%

Based on trailing twelve months.

The official record: Live Oak Bancshares’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Live Oak Bancshares's net margin?: Live Oak Bancshares (LOB) reported net margin of 21.1% in Q1 2026.
How has Live Oak Bancshares's net margin changed year-over-year?: Live Oak Bancshares's net margin increased by 75.6% year-over-year, from 12% to 21.1%.
What is the long-term trend for Live Oak Bancshares's net margin?: Over 5 years (2020 to 2025), Live Oak Bancshares's net margin has grown at a -2.8% compound annual growth rate (CAGR), from 21.2% to 18.4%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.