Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. It operates through two segments: Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provid… Read more
Live Oak Bancshares, Inc. (LOB) - Net Assets
Latest net assets as of December 2025: $1.25 Billion USD
Based on the latest financial reports, Live Oak Bancshares, Inc. (LOB) has net assets worth $1.25 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($15.13 Billion) and total liabilities ($13.88 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.25 Billion |
| % of Total Assets | 8.29% |
| Annual Growth Rate | 31.34% |
| 5-Year Change | 75.37% |
| 10-Year Change | 462.77% |
| Growth Volatility | 40.17 |
Live Oak Bancshares, Inc. - Net Assets Trend (2011–2025)
This chart illustrates how Live Oak Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Live Oak Bancshares, Inc. (2011–2025)
The table below shows the annual net assets of Live Oak Bancshares, Inc. from 2011 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.25 Billion | +24.97% |
| 2024-12-31 | $1.00 Billion | +71.08% |
| 2023-12-31 | $586.56 Million | -27.68% |
| 2022-12-31 | $811.03 Million | +13.41% |
| 2021-12-31 | $715.13 Million | +25.94% |
| 2020-12-31 | $567.85 Million | +8.70% |
| 2019-12-31 | $522.38 Million | +5.84% |
| 2018-12-31 | $493.56 Million | +12.96% |
| 2017-12-31 | $436.93 Million | +96.07% |
| 2016-12-31 | $222.85 Million | +11.71% |
| 2015-12-31 | $199.49 Million | +117.27% |
| 2014-12-31 | $91.81 Million | +89.74% |
| 2013-12-31 | $48.39 Million | +52.36% |
| 2012-12-31 | $31.76 Million | +15.14% |
| 2011-12-31 | $27.58 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Live Oak Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 10868.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $809.88 Million | 64.80% |
| Common Stock | $388.39 Million | 31.07% |
| Other Comprehensive Income | $-44.67 Million | -3.57% |
| Other Components | $96.27 Million | 7.70% |
| Total Equity | $1.25 Billion | 100.00% |
Live Oak Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of Live Oak Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ORG Packaging Co Ltd
SHE:002701
|
$1.16 Billion |
|
Zhongshan Public Utilities Group Co Ltd
SHE:000685
|
$1.16 Billion |
|
AnaptysBio Inc
NASDAQ:ANAB
|
$1.16 Billion |
|
BEIJER ALMA AB B SK 2083
F:6O4
|
$1.16 Billion |
|
Henzhen Zhaowei Machinery And Elect
SHE:003021
|
$1.16 Billion |
|
Vantage Towers AG
PINK:VTWRF
|
$1.16 Billion |
|
Veris Gold Corp
PINK:YNGFF
|
$1.16 Billion |
|
Fila Holdings Corp
KO:081660
|
$1.16 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Live Oak Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 999,030,000 to 1,249,868,000, a change of 250,838,000 (25.1%).
- Net income of 103,777,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 37,672,000.
- Other factors increased equity by 109,389,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $103.78 Million | +8.3% |
| Other Comprehensive Income | $37.67 Million | +3.01% |
| Other Changes | $109.39 Million | +8.75% |
| Total Change | $- | 25.11% |
Book Value vs Market Value Analysis
This analysis compares Live Oak Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 34.73x to 1.21x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2011-12-31 | $0.94 | $32.63 | x |
| 2012-12-31 | $1.35 | $32.63 | x |
| 2013-12-31 | $1.65 | $32.63 | x |
| 2014-12-31 | $3.13 | $32.63 | x |
| 2015-12-31 | $6.24 | $32.63 | x |
| 2016-12-31 | $6.35 | $32.63 | x |
| 2017-12-31 | $11.54 | $32.63 | x |
| 2018-12-31 | $11.91 | $32.63 | x |
| 2019-12-31 | $12.97 | $32.63 | x |
| 2020-12-31 | $13.59 | $32.63 | x |
| 2021-12-31 | $15.87 | $32.63 | x |
| 2022-12-31 | $18.06 | $32.63 | x |
| 2023-12-31 | $20.02 | $32.63 | x |
| 2024-12-31 | $21.74 | $32.63 | x |
| 2025-12-31 | $27.00 | $32.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Live Oak Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.30%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.97%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 12.11x
- Recent ROE (8.30%) is below the historical average (20.18%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2011 | 51.89% | 35.02% | 0.15x | 9.65x | $11.55 Million |
| 2012 | 48.69% | 29.72% | 0.16x | 10.36x | $12.79 Million |
| 2013 | 57.99% | 46.32% | 0.14x | 8.89x | $23.22 Million |
| 2014 | 10.94% | 12.38% | 0.12x | 7.33x | $866.60K |
| 2015 | 10.34% | 18.26% | 0.11x | 5.28x | $679.50K |
| 2016 | 6.18% | 9.51% | 0.08x | 7.88x | $-8.51 Million |
| 2017 | 23.00% | 49.45% | 0.07x | 6.31x | $56.81 Million |
| 2018 | 10.42% | 20.31% | 0.07x | 7.44x | $2.09 Million |
| 2019 | 3.39% | 6.23% | 0.06x | 9.04x | $-35.20 Million |
| 2020 | 10.49% | 15.74% | 0.05x | 13.86x | $2.76 Million |
| 2021 | 23.35% | 32.98% | 0.06x | 11.49x | $95.48 Million |
| 2022 | 21.73% | 34.63% | 0.05x | 12.15x | $95.10 Million |
| 2023 | 8.19% | 9.52% | 0.07x | 12.49x | $-16.37 Million |
| 2024 | 7.75% | 8.34% | 0.07x | 12.96x | $-22.43 Million |
| 2025 | 8.30% | 9.97% | 0.07x | 12.11x | $-21.21 Million |
Industry Comparison
This section compares Live Oak Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Live Oak Bancshares, Inc. (LOB) | $1.25 Billion | 51.89% | 11.07x | $1.16 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |