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Live Oak Bancshares LOB Return on equity

Return on equity at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
16.5%-0.9pp
Bank of America logo
Bank of AmericaBAC
10.7%+1.2pp
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
12.1%+1.0pp
The Bancorp logo
The BancorpTBBK
30.3%+3.8pp
OFG Bancorp logo
OFG BancorpOFG
16%+0.6pp
National Bank Holdings logo
National Bank HoldingsNBHC
7.1%-1.6pp

Other financials

Income statement

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Revenue$145.5M+18.4%
Net income$30.0M+209%
EPS (diluted)$0.60+186%

Balance sheet

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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

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Operating cash flow$87.4M+394%
CapEx$2.0M-10.8%
Free cash flow$85.3M+366%

Valuation

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Market cap$1.84B+25.8%
Enterprise value$1.13B+39.8%
P/E14.6×-10.0×
P/S3.1×+0.1×

Profitability

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Net margin21.1%+9.1pp
FCF margin43.7%+30.2pp

Returns & leverage

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Debt / equity0.1×0.0×

Where this comes from

Calculated from Live Oak Bancshares’s reported figures.

net income/total stockholders equity=11%

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 return on equity?
Live Oak Bancshares (LOB) reported return on equity of 11% in Q1 2026.
How has Live Oak Bancshares's return on equity changed year-over-year?
Live Oak Bancshares's return on equity increased by 79.6% year-over-year, from 6.1% to 11%.
What is the long-term trend for Live Oak Bancshares's return on equity?
Over 5 years (2020 to 2025), Live Oak Bancshares's return on equity has grown at a -2.7% compound annual growth rate (CAGR), from 10.8% to 9.4%.
What does return on equity mean?
Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.