Live Oak Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Live Oak Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 38% in 3 years, but profit fell: $47 less profit per $100 of extra sales. Lower than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
−$47Sales grew 38% in 3 years, but profit fell: $47 less profit per $100 of extra sales.
Lower than 91% of Financial Services companies in United States.
Asset Productivity Ratio
+38% / +54%In 3 years sales changed by +38% while total assets changed by +54%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Live Oak Bancshares, Inc. owes $0.92 for every $1 it owns. Net profit rose 37% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.5Investors pay $12.5 for every $1 of Live Oak Bancshares, Inc.'s yearly profit, lower than 51% of Financial Services companies in United States.
P/B ratio
1.24The share price is 1.24 times Live Oak Bancshares, Inc.'s book value per share, lower than 54% of Financial Services companies in United States.
Market cap
$1.6 BThe total market value of all of Live Oak Bancshares, Inc.'s shares at today's price (share price × number of shares), larger than 64% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.3 BWhat Live Oak Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$28.31Net worth divided by the number of shares. The share price of $35.15 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
11.1%Live Oak Bancshares, Inc. earned 11.1% on its shareholders' money over the last year, higher than 54% of Financial Services companies in United States.
Owes vs Owns
0.92×Live Oak Bancshares, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.34%Live Oak Bancshares, Inc. pays 0.34% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
+37%Net profit rose 37% in the year to Dec 2025, and shrank 16% a year on average over 3 years.
Profit margin
19.6%Live Oak Bancshares, Inc. keeps $20 of every $100 of revenue as net profit.
Questions
What is Live Oak Bancshares, Inc.'s P/E ratio?
Investors pay $12.5 for every $1 of Live Oak Bancshares, Inc.'s yearly profit, lower than 51% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Live Oak Bancshares, Inc.: $1.6 B ÷ $1.3 B (30 Jun 2026) = 1.2.
What is Live Oak Bancshares, Inc.'s return on equity?
Live Oak Bancshares, Inc. earned 11.1% on its shareholders' money over the last year, higher than 54% of Financial Services companies in United States.
How much does Live Oak Bancshares, Inc. owe compared with what it owns?
Live Oak Bancshares, Inc. owes $0.92 for every $1 it owns (high), higher than 90% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Live Oak Bancshares, Inc. pay a dividend?
Yes. Live Oak Bancshares, Inc. pays 0.34% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Is Live Oak Bancshares, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.