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Live Oak Bancshares, Inc. Financials State Commercial Banks Russell 3000
$34.47Close
$29.31 – $43.7352-week range
Jan 20, 2027Next report · estimated
Highlights
Strengths
- Earnings growing EPS +54% year on year
Cautions
- Not in an uptrend 2 of 8 trend conditions
- Lagging the market RS 25 · weaker than 75% of stocks over 12 months
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
21%
1wk
down 1.9%
price change
1mo
down 4.8%
price change
12-month return
up 9%
market up 11% ·
its own down 2%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
—
price / earnings
PEG
—
P/E / EPS growth
P/B
—
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 18%
year on year
EPS growth
up 54%
latest quarter · -150 pts
Sales growth
up 12%
latest quarter · -7 pts
ROE
up 9%
return on equity
Free cash margin
—
D/E
0.08
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Piotroski tests
Repair signals
- Long-term debt down 9% ($0.1B → $0.1B)
Trade setup
ATR%
2.9%
$1.00 a day · 2×ATR $32.46
RS
25 / 99
vs the universe
Trend
2 / 8
trend template
Relative volume
0.7×
vs 50-day average
Up/down volume
0.75
50 sessions
Implied move
—
no scheduled report
Trend template · 2 of 8
- 150-day average above the 200-day: passes
- Within 25% of the 52-week high: passes
Screen verdict
Did not qualify for any screen.
Warning signs
- Accounts declared unreliable The company told the SEC that previously issued financial statements should no longer be relied upon. Every figure on this page that predates that filing is drawn from statements the company itself has withdrawn.
Last reported
Oct 21, 2026
Results reaction
Oct 21, 2026+2% vs market2 sessions after results
Financials
- Net 18%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $280.7M | $457.0M | $565.5M | $449.3M | $488.6M | $577.8M |
| Net income | $59.5M | $167.0M | $176.2M | $73.9M | $77.5M | $105.9M |
| Net margin | 21% | 37% | 31% | 16% | 16% | 18% |
| Earnings per share | $1.43 | $3.71 | $3.92 | $1.64 | $1.69 | $2.30 |
| Cash | $318.3M | $203.8M | $416.6M | $582.5M | $608.8M | $864.9M |
| Long-term debt | $1.5B | $318.3M | $83.2M | $23.4M | $112.8M | $102.4M |
| Shareholders' equity | $567.9M | $715.1M | $811.0M | $902.7M | $999.0M | $1.2B |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 4, 2026 | Quarterly ↗ | Jun 30, 2026 | 35d |
| May 5, 2026 | Quarterly ↗ | Mar 31, 2026 | 35d |
| Feb 27, 2026 | Annual ↗ | Dec 31, 2025 | 58d |
| Nov 17, 2025 | Quarterly ↗ | Sep 30, 2025 | 48d |
| Aug 5, 2025 | Quarterly ↗ | Jun 30, 2025 | 36d |
| May 7, 2025 | Quarterly ↗ | Mar 31, 2025 | 37d |
| Mar 18, 2025 | Annual ↗ | Dec 31, 2024 | 77d |
| Nov 5, 2024 | Quarterly ↗ | Sep 30, 2024 | 36d |
| Aug 6, 2024 | Quarterly ↗ | Jun 30, 2024 | 37d |
| May 10, 2024 | Quarterly ↗ | Mar 31, 2024 | 40d |
| Feb 22, 2024 | Annual ↗ | Dec 31, 2023 | 53d |
| Nov 3, 2023 | Quarterly ↗ | Sep 30, 2023 | 34d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 21, 2026 | Results ↗ |
| Oct 20, 2026 | Director or officer change ↗ |
| Aug 28, 2026 | Other events ↗ |
| Aug 18, 2026 | Other events ↗ |
| Jul 22, 2026 | Results ↗ |
| Jul 2, 2026 | Director or officer change ↗ |
| Jun 18, 2026 | Director or officer change ↗ |
| May 22, 2026 | Director or officer change · Shareholder vote ↗ |
| May 19, 2026 | Other events ↗ |
| Apr 22, 2026 | Results ↗ |
| Feb 19, 2026 | Other events ↗ |
| Feb 13, 2026 | Director or officer change ↗ |