Live Oak Bancshares Net Income
| LOB Stock | USD 41.75 0.92 2.25% |
As of the 10th of February, Live Oak secures the Risk Adjusted Performance of 0.1716, downside deviation of 1.72, and Mean Deviation of 1.82. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Live Oak Bancshares, as well as the relationship between them.
Live Oak Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.8398 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 89 M | 64.9 M | |
| Net Income Applicable To Common Shares | 102.8 M | 76.1 M | |
| Net Income From Continuing Ops | 89 M | 76.8 M | |
| Net Income Per Share | 2.26 | 1.23 | |
| Net Income Per E B T | 0.64 | 0.97 |
Live | Net Income | Build AI portfolio with Live Stock |
Analyzing Live Oak's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Live Oak's current valuation and future prospects.
Latest Live Oak's Net Income Growth Pattern
Below is the plot of the Net Income of Live Oak Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Live Oak Bancshares financial statement analysis. It represents the amount of money remaining after all of Live Oak Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Live Oak's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Live Oak's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 77.42 M | 10 Years Trend |
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Net Income |
| Timeline |
Live Net Income Regression Statistics
| Arithmetic Mean | 59,609,471 | |
| Geometric Mean | 40,042,922 | |
| Coefficient Of Variation | 88.19 | |
| Mean Deviation | 41,157,966 | |
| Median | 51,448,000 | |
| Standard Deviation | 52,566,869 | |
| Sample Variance | 2763.3T | |
| Range | 166.2M | |
| R-Value | 0.65 | |
| Mean Square Error | 1695.5T | |
| R-Squared | 0.42 | |
| Significance | 0 | |
| Slope | 6,784,564 | |
| Total Sum of Squares | 44212.4T |
Live Net Income History
Other Fundumenentals of Live Oak Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Live Oak Net Income component correlations
Live Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Live Oak is extremely important. It helps to project a fair market value of Live Stock properly, considering its historical fundamentals such as Net Income. Since Live Oak's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Live Oak's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Live Oak's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. Expected growth trajectory for Live significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Live Oak assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 3.479 | Dividend Share 0.12 | Earnings Share 2.23 | Revenue Per Share | Quarterly Revenue Growth 0.617 |
Investors evaluate Live Oak Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Live Oak's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Live Oak's market price to deviate significantly from intrinsic value.
Understanding that Live Oak's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Live Oak represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Live Oak's market price signifies the transaction level at which participants voluntarily complete trades.
Live Oak 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Live Oak's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Live Oak.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in Live Oak on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding Live Oak Bancshares or generate 0.0% return on investment in Live Oak over 90 days. Live Oak is related to or competes with TriCo Bancshares, Lakeland Financial, German American, Stellar Bancorp, ST Bancorp, Merchants Bancorp, and 1st Source. Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commer... More
Live Oak Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Live Oak's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Live Oak Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.72 | |||
| Information Ratio | 0.1632 | |||
| Maximum Drawdown | 9.72 | |||
| Value At Risk | (2.50) | |||
| Potential Upside | 5.13 |
Live Oak Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Live Oak's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Live Oak's standard deviation. In reality, there are many statistical measures that can use Live Oak historical prices to predict the future Live Oak's volatility.| Risk Adjusted Performance | 0.1716 | |||
| Jensen Alpha | 0.3203 | |||
| Total Risk Alpha | 0.2108 | |||
| Sortino Ratio | 0.219 | |||
| Treynor Ratio | 0.2837 |
Live Oak February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1716 | |||
| Market Risk Adjusted Performance | 0.2937 | |||
| Mean Deviation | 1.82 | |||
| Semi Deviation | 1.37 | |||
| Downside Deviation | 1.72 | |||
| Coefficient Of Variation | 485.97 | |||
| Standard Deviation | 2.31 | |||
| Variance | 5.33 | |||
| Information Ratio | 0.1632 | |||
| Jensen Alpha | 0.3203 | |||
| Total Risk Alpha | 0.2108 | |||
| Sortino Ratio | 0.219 | |||
| Treynor Ratio | 0.2837 | |||
| Maximum Drawdown | 9.72 | |||
| Value At Risk | (2.50) | |||
| Potential Upside | 5.13 | |||
| Downside Variance | 2.96 | |||
| Semi Variance | 1.88 | |||
| Expected Short fall | (2.38) | |||
| Skewness | 0.5358 | |||
| Kurtosis | 0.1128 |
Live Oak Bancshares Backtested Returns
Live Oak appears to be very steady, given 3 months investment horizon. Live Oak Bancshares has Sharpe Ratio of 0.2, which conveys that the firm had a 0.2 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Live Oak, which you can use to evaluate the volatility of the firm. Please exercise Live Oak's Downside Deviation of 1.72, risk adjusted performance of 0.1716, and Mean Deviation of 1.82 to check out if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Live Oak holds a performance score of 15. The company secures a Beta (Market Risk) of 1.64, which conveys a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Live Oak will likely underperform. Please check Live Oak's value at risk, kurtosis, price action indicator, as well as the relationship between the semi variance and rate of daily change , to make a quick decision on whether Live Oak's current price movements will revert.
Auto-correlation | 0.83 |
Very good predictability
Live Oak Bancshares has very good predictability. Overlapping area represents the amount of predictability between Live Oak time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Live Oak Bancshares price movement. The serial correlation of 0.83 indicates that around 83.0% of current Live Oak price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.83 | |
| Spearman Rank Test | 0.87 | |
| Residual Average | 0.0 | |
| Price Variance | 5.3 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Live Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Live Oak Bancshares reported net income of 77.42 M. This is 93.94% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 86.44% higher than that of the company.
Live Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Live Oak's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Live Oak could also be used in its relative valuation, which is a method of valuing Live Oak by comparing valuation metrics of similar companies.Live Oak is currently under evaluation in net income category among its peers.
Live Oak ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Live Oak's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Live Oak's managers, analysts, and investors.Environmental | Governance | Social |
Live Oak Institutional Holders
Institutional Holdings refers to the ownership stake in Live Oak that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Live Oak's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Live Oak's value.| Shares | Goldman Sachs Group Inc | 2025-06-30 | 391.3 K | Motley Fool Wealth Management Llc | 2025-06-30 | 366.6 K | Centerbook Partners Lp | 2025-06-30 | 356.4 K | Trust Co Of The South | 2025-06-30 | 330 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 324.3 K | Northern Trust Corp | 2025-06-30 | 298.3 K | Manufacturers Life Insurance Co | 2025-06-30 | 295.2 K | Nuveen, Llc | 2025-06-30 | 289.5 K | Charles Schwab Investment Management Inc | 2025-06-30 | 286.5 K | T. Rowe Price Investment Management,inc. | 2025-06-30 | 6.5 M | Blackrock Inc | 2025-06-30 | 2.7 M |
Live Fundamentals
| Return On Equity | 0.0936 | ||||
| Return On Asset | 0.0075 | ||||
| Profit Margin | 0.22 % | ||||
| Operating Margin | 0.44 % | ||||
| Current Valuation | 1.22 B | ||||
| Shares Outstanding | 46.03 M | ||||
| Shares Owned By Insiders | 23.35 % | ||||
| Shares Owned By Institutions | 69.90 % | ||||
| Number Of Shares Shorted | 2.1 M | ||||
| Price To Earning | 12.48 X | ||||
| Price To Book | 1.63 X | ||||
| Price To Sales | 3.91 X | ||||
| Revenue | 1.04 B | ||||
| Gross Profit | 480.78 M | ||||
| EBITDA | 185.09 M | ||||
| Net Income | 77.42 M | ||||
| Cash And Equivalents | 636.44 M | ||||
| Cash Per Share | 14.51 X | ||||
| Total Debt | 102.4 M | ||||
| Debt To Equity | 4.28 % | ||||
| Book Value Per Share | 25.06 X | ||||
| Cash Flow From Operations | 536.47 M | ||||
| Short Ratio | 6.06 X | ||||
| Earnings Per Share | 2.23 X | ||||
| Target Price | 44.75 | ||||
| Number Of Employees | 1.03 K | ||||
| Beta | 1.96 | ||||
| Market Capitalization | 1.88 B | ||||
| Total Asset | 15.13 B | ||||
| Retained Earnings | 809.88 M | ||||
| Annual Yield | 0 % | ||||
| Five Year Return | 0.47 % | ||||
| Net Asset | 15.13 B | ||||
| Last Dividend Paid | 0.12 |
About Live Oak Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Live Oak Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Live Oak using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Live Oak Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:Check out You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. Expected growth trajectory for Live significantly influences the price investors are willing to assign. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Live Oak assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 3.479 | Dividend Share 0.12 | Earnings Share 2.23 | Revenue Per Share | Quarterly Revenue Growth 0.617 |
Investors evaluate Live Oak Bancshares using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Live Oak's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Live Oak's market price to deviate significantly from intrinsic value.
Understanding that Live Oak's value differs from its trading price is crucial, as each reflects different aspects of the company. Evaluating whether Live Oak represents a sound investment requires analyzing earnings trends, revenue growth, technical signals, industry dynamics, and expert forecasts. Conversely, Live Oak's market price signifies the transaction level at which participants voluntarily complete trades.