Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, 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 offers 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 provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

Chip Mahan

Live Oak Bancshares, Inc.

Grieskirchner Bier produces and sells various types of beer, emphasizing community and enjoyment. The company offers its products through online ordering.

Grieskirchner Bier

Legacy Bank and Trust provides banking services including personal and business banking, loans, and retirement accounts.

Legacy Bank and Trust

Loans for Service Contractors

Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are. 

As one of the last banks to get a charter before the start of the Great Recession, Live Oak emerged out of the rubble of 2008 as the first bank to keep the customer at the center of the business model. We put a groundbreaking spin on what banking could be, focused on service and technology to redefine banking. 

Live Oak is a digital, cloud-based bank serving small business owners in all 50 states. We are the #1 SBA 7(a) lender by dollar volume* in the country and our mission is to be America’s small business bank. We aim to fulfill that mission through banking products that help business owners buy, build and expand, along with FDIC-insured high-yield savings and CDs to grow their hard-earned money. Our family of companies under the holding and parent company Live Oak Bancshares (NYSE: LOB), and our subsidiaries, partner with businesses who share a groundbreaking focus on service and technology to redefine banking.

Our mantra is to treat every customer like the only customer and our mission is to be America’s small business bank.

Malauzai Software

Live Oak Bank

Financial statements provide insight into the overall health of a company. Download our guide to help you understand the key components of financial statements so you can make strategic business decisions as well as identify challenges and opportunities within the business: https://bit.ly/4b0Ljpj

Curious about the difference between a joint owner and a beneficiary? Our blog helps you decipher between the two to make the best decision for your financial situation. Read more: https://bit.ly/3Se8vJe

Hey entrepreneurs, do you have a business checking account yet? Learn why opening an account is an essential step for your small business. https://bit.ly/4aR6iuz

"Love the personalized approach! I appreciate the personal meetings and knowledge share on the industry and within the banking sector. Keeping me abreast of new products and industry trends." - Live Oak Bank Customer

Looking to open a business bank account? In our newest video, we unpack the features and benefits you’ll want in your account. Learn about the importance of FDIC insurance, great customer service and more: https://lnkd.in/eqrzXycP

Metric
Company Name	Live Oak Bancshares, Inc.	Grieskirchner Bier	Legacy Bank and Trust
Symbol	LOB
MSH ID	COM:LIVEOAKBANK	AT:GRIESKIRCHNER	COM:LEGACYBANKANDTRUST
Market	STOCKS	PRIVATE	PRIVATE
Sector	Financial Services	Consumer Goods	Financial Services & Finance
Industry	Banks - Regional	Beverages	Banking
Country	US	AT	US
Stage	Private Equity Round
Employee Count	962
Website	liveoakbank.com	grieskirchner.at	legacybankandtrust.com
LinkedIn	live-oak-bank
Founders

Metric
Market Cap	1.55B
Enterprise Value
Monthly Web Traffic	153.35K	2.19K
Web Traffic Growth	0.58	1.23
Valuation
Raised Capital	74.95M

Metric
Revenue	433.58M
Revenue (LTM)
Revenue (NTM)
Gross Profit	688.27M
EBITDA	82.83M
Operating Income	82.83M
Net Income	73.90M
EPS	1.67
Diluted EPS	1.64
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1.59
Operating Profit Margin	0.18
EBITDA Margin	0.19
Net Profit Margin	0.19
Return on Equity	0.11
Return on Assets	0.03
Return on Capital Employed	0.01

COM:LIVEOAKBANK

Live Oak Bank

Last Close

47.42

22/11 21:00

Market Cap

1.55B

Beta: -

Volume Today

200.75K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	26.79
P/B Ratio	1.88
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	4.84
EV Multiple	19.53

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.20

Metric
Operating Cash Flow	620.07M
Free Cash Flow	573.23M
Cash Flow to Debt	26.55
Operating Cash Flow/Sales	1.07
Free Cash Flow Yield	0.18

Metric
Cash & Equivalents	582.79M
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization	0.13
Debt to Assets	0.00
Current Ratio
Quick Ratio	307.49

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.04
R&D to Revenue
SG&A to Revenue	0.44