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Live Oak Bank Valuation Multiples
Discover revenue and EBITDA valuation multiples for Live Oak Bank and similar public comparables like 1st Source, National Bank of Oman, Al Salam Bank, Mercantil do Brasil and more.
Live Oak Bank Overview
About Live Oak Bank
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
Founded
2008
HQ
Employees
1.1K
Website
Sectors
Financials (LTM)
EV
$2B
Live Oak Bank Financials
Live Oak Bank reported last 12-month revenue of $595M.
In the same LTM period, Live Oak Bank generated $111M in net income.
Revenue (LTM)
Live Oak Bank P&L
In the most recent fiscal year, Live Oak Bank reported revenue of $578M and net income of $106M.
Live Oak Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $595M | XXX | $578M | XXX | XXX | XXX |
| EBIT Margin | 41% | XXX | 40% | XXX | XXX | XXX |
| Net Profit | $111M | XXX | $106M | XXX | XXX | XXX |
| Net Margin | 19% | XXX | 18% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Live Oak Bank Stock Performance
Live Oak Bank has current market cap of $2B, and enterprise value of $2B.
Market Cap Evolution
Live Oak Bank's stock price is $36.27.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $2B | $2B | 0.0% | XXX | XXX | XXX | $2.30 |
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Start Free TrialLive Oak Bank Valuation Multiples
Live Oak Bank trades at 3.1x EV/Revenue multiple.
EV / Revenue (LTM)
Live Oak Bank Financial Valuation Multiples
As of April 8, 2026, Live Oak Bank has market cap of $2B and EV of $2B.
Equity research analysts estimate Live Oak Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Live Oak Bank has a P/E ratio of 15.0x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $2B | XXX | $2B | XXX | XXX | XXX |
| EV (current) | $2B | XXX | $2B | XXX | XXX | XXX |
| EV/Revenue | 3.1x | XXX | 3.2x | XXX | XXX | XXX |
| EV/EBIT | 7.7x | XXX | 8.2x | XXX | XXX | XXX |
| P/E | 15.0x | XXX | 15.8x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 13.0x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Live Oak Bank Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Live Oak Bank Margins & Growth Rates
Live Oak Bank's revenue in the last 12 month grew by 12%.
Live Oak Bank's revenue per employee in the last FY averaged $0.5M, while opex per employee averaged $0.3M for the same period.
Live Oak Bank Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 12% | XXX | 11% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.5M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 2% | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 35% | XXX | XXX | XXX |
| R&D Expenses to Revenue | 7% | XXX | 7% | XXX | XXX | XXX |
| Opex to Revenue | 58% | XXX | 59% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Live Oak Bank Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| 1st Source | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Oman | XXX | XXX | XXX | XXX | XXX | XXX |
| Al Salam Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Mercantil do Brasil | XXX | XXX | XXX | XXX | XXX | XXX |
| SpareBank 1 Nord | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Live Oak Bank M&A Activity
Live Oak Bank acquired XXX companies to date.
Last acquisition by Live Oak Bank was on XXXXXXXX, XXXXX. Live Oak Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Live Oak Bank
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialLive Oak Bank Investment Activity
Live Oak Bank invested in XXX companies to date.
Live Oak Bank made its latest investment on XXXXXXXX, XXXXX. Live Oak Bank invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Live Oak Bank
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Live Oak Bank
| When was Live Oak Bank founded? | Live Oak Bank was founded in 2008. |
| Where is Live Oak Bank headquartered? | Live Oak Bank is headquartered in United States. |
| How many employees does Live Oak Bank have? | As of today, Live Oak Bank has over 1K employees. |
| Who is the CEO of Live Oak Bank? | Live Oak Bank's CEO is James S. Mahan. |
| Is Live Oak Bank publicly listed? | Yes, Live Oak Bank is a public company listed on NYSE. |
| What is the stock symbol of Live Oak Bank? | Live Oak Bank trades under LOB ticker. |
| When did Live Oak Bank go public? | Live Oak Bank went public in 2015. |
| Who are competitors of Live Oak Bank? | Live Oak Bank main competitors are 1st Source, National Bank of Oman, Al Salam Bank, Mercantil do Brasil. |
| What is the current market cap of Live Oak Bank? | Live Oak Bank's current market cap is $2B. |
| What is the current revenue of Live Oak Bank? | Live Oak Bank's last 12 months revenue is $595M. |
| What is the current revenue growth of Live Oak Bank? | Live Oak Bank revenue growth (NTM/LTM) is 12%. |
| What is the current EV/Revenue multiple of Live Oak Bank? | Current revenue multiple of Live Oak Bank is 3.1x. |
| Is Live Oak Bank profitable? | Yes, Live Oak Bank is net-income-positive (as of the last 12 months). |
| What is the current net income of Live Oak Bank? | Live Oak Bank's last 12 months net income is $111M. |
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