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Live Oak Bancshares LOB Price / earnings

Price / earnings at other companies

JPMorgan ChaseJPM

13.5×+2.0×

Bank of AmericaBAC

11×-0.5×

Wells Fargo & CompanyWFC

11.3×-0.4×

The BancorpTBBK

9.8×-1.8×

OFG BancorpOFG

8.1×-1.3×

National Bank HoldingsNBHC

16.6×+3.6×

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/S3.1×+0.1×

Profitability

Net margin21.1%+9.1pp

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.

market cap/net income=12.1×

Based on the most recent quarter.

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 price / earnings?: Live Oak Bancshares (LOB) reported price / earnings of 12.1× in Q1 2026.
How has Live Oak Bancshares's price / earnings changed year-over-year?: Live Oak Bancshares's price / earnings decreased by 40.6% year-over-year, from 20.4× to 12.1×.
What is the long-term trend for Live Oak Bancshares's price / earnings?: Over 5 years (2020 to 2025), Live Oak Bancshares's price / earnings has grown at a -15.5% compound annual growth rate (CAGR), from 34.6× to 14.9×.
What does price / earnings mean?: Market capitalization at the quarter end divided by trailing-twelve-month net income. The price the market pays for each dollar of trailing earnings.