Health score, competitive moat, risk signals, and key metrics at a glance.
Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (8/25).
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. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.
Competitive analysis based on 44 quarters of fundamental data
Operating margins are expanding at ~22.0%, suggesting durable pricing power and cost discipline.
ROE is positive at ~7.8% on average, adequate but below the threshold typically associated with wide moats.
Data-driven red flags and warnings across 44 quarters
Margins are stable or improving at ~28.1% — no sign of cost or pricing stress.
FCF covers net income by 6.0x on average — earnings are well-supported by cash generation.
D/E ratio is 0.0 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Shares outstanding rose 2.6% — mild dilution. Compare to earnings growth to assess net per-share impact.
as of March 2026
Revenue, EBITDA, operating income, net income, EPS, and shares
Gross, EBITDA, operating, and net margin trends
P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield
Total assets, cash, debt, book value, and leverage
Operating cash flow, free cash flow, FCF margin, and earnings quality
7 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.
TTM revenue has grown consistently (7 of 7 quarters up), with ~22.2% growth over the period. Strong demand durability.
