Live Oak Bancshares, Inc.
LOBNYSEFinancials · State Commercial Banks · NC · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $105.9M | $77.5M | $73.9M | $176.2M | $167.0M | $59.5M |
| Total assets | $15.13B | $12.94B | $11.27B | $9.86B | $8.21B | $7.87B |
| Total liabilities | $13.88B | $11.94B | $10.37B | $9.04B | $7.50B | $7.30B |
| Equity | $1.25B | $999.0M | $902.7M | $811.0M | $715.1M | $567.9M |
| EPS (diluted) | $2.23 | $1.69 | $1.64 | $3.92 | $3.71 | $1.43 |
| Shares out. | 45.6M | 44.8M | 44.1M | 43.7M | 45.1M | 41.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 8.5%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.7%
- Debt / equity
- 11.11×
- Book value / share
- $27.43
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 36.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 12, 2025
- NT 10-Kmissed a reporting deadline ↗Mar 4, 2025
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Mar 27, 2026
- Mahan James S IiiPassive (13G)Feb 5, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Mahan James S IiiOfficer — Chief Executive Officer | May 27, 2026 | Sell | 10,000 | $37.65 |
| Mahan James S IiiOfficer — Chief Executive Officer | May 21, 2026 | Sell | 6,612 | $36.92 |
| Moroz Mark MichaelOfficer — Chief Banking Officer | May 20, 2026 | Option exercise | 7,117 | — |
| Mahan James S IiiOfficer — Chief Executive Officer | May 20, 2026 | Sell | 9,645 | $36.83 |
| Mahan James S IiiOfficer — Chief Executive Officer | May 14, 2026 | Sell | 10,000 | $36.23 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 2.0M | 10.8 | -4.4% |
| Apr 30, 2026 | 2.1M | 8.5 | +1.0% |
| Apr 15, 2026 | 2.1M | 8.8 | -3.1% |
| Mar 31, 2026 | 2.2M | 6.8 | +6.7% |
| Mar 13, 2026 | 2.0M | 6.9 | +9.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder voteMay 22, 2026
- Other material eventMay 19, 2026
- Results of operationsApr 22, 2026
- Other material eventFeb 19, 2026
- Director / officer changeFeb 13, 2026
- Results of operationsJan 21, 2026
- Director / officer changeDec 1, 2025
- Other material eventNov 18, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.