Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. (NYSE: LOB) is a bank holding company whose principal subsidiary, Live Oak Banking Company, operates a national online banking platform focused on small-business lending and deposits. The bank primarily originates loans partially guaranteed by the U.S. Small Business Administration, along… From the company’s description.
Over the twelve months to Sep 30, 2026, Live Oak Bancshares, Inc. reported revenue of $639.12M, up 17.5% from a year earlier, and net income of $139.04M. Its pre-tax margin was 28.6%. In fiscal 2025, it reported revenue of $577.82M, up 15.6% from fiscal 2024, and net income of $105.64M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Live Oak Bancshares, Inc. does
In the company’s own words
Live Oak Bancshares, Inc. (NYSE: LOB) is a bank holding company whose principal subsidiary, Live Oak Banking Company, operates a national online banking platform focused on small-business lending and deposits. The bank primarily originates loans partially guaranteed by the U.S. Small Business Administration, along with loans supported by selected U.S. Department of Agriculture programs, serving small businesses and professionals across the country. Its technology-based platform supports loan origination, customer service, reporting and servicing without traditional branch locations. The company also provides government-guaranteed lending-sector consulting through Government Loan Solutions, Inc., and wealth and investment management services to high-net-worth individuals and families through Live Oak Private Wealth. Its operations are managed as one significant operating segment. In fiscal 2025, the company had 1,040 employees and contractors, including 1,027 full-time employees. Live Oak Bank was established in 2008, and the parent company completed its initial public offering in 2015. Its website is www.liveoak.bank.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- WILMINGTON, NC
- Fiscal year end
- December
- CIK
- 1462120
- SIC
- 6022
Financial performance, year by year
Fiscal 2015–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Live Oak Bancshares, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Live Oak Bancshares, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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