OakChart

Live Oak Bancshares Inc

LOBFinancial·Banks - Regional·USA·Small·NYSE·Nov 11 • 10:37 AM ET

34.28-0.12 (-0.35%)
2026-11-11 16:37 CET
Market cap
1,595.40 USD m
Revenue, TTM
- USD m
Net income, TTM
131.02 USD m
Free cash flow, TTM
308.50 USD m
EPS diluted, TTM
2.81
P/E
12.19
Compare

Price

LOB against its 20, 50 and 200-day averages
2050200beatmiss
35.0040.0045.00490K980KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26LOBclose 34.2820-day 34.7750-day 36.29200-day 37.9334.2852w high

23.0% under the 52-week high of 44.53 on 4 Aug 2026. 52-week low 29.36 on 20 Nov 2025. Last 15 sessions, 10.5% high to low

Profile

LOB
52-week range, 32% of the way up
29.3644.53

Live Oak Bancshares, Inc. is a bank holding company, which operates as a national online platform for small business lending. It operates through the following segments: Banking and Fintech. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments in emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2008 and is headquartered in Wilmington, NC.

IndexRUT
Employees1027
IPOJul 23, 2015
Beta1.80
ATR, 14d1.17
Rel volume0.49
Short float7.00%
Insider own21.90%
Inst own71.28%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.59B
Enterprise Value-
Income131.02M
Sales1.10B
Book/sh26.13
Cash/sh-
Dividend Est.0.12 (0.35%)
Dividend TTM0.12 (0.35%)
Dividend Ex-DateSep 01, 2026
Dividend Gr. 3/5Y0.00% 0.00%
Payout5.37%
Employees1027
IPOJul 23, 2015

Ratios

P/E12.19
Forward P/E8.23
PEG0.21
P/S1.45
P/B1.31
P/C-
P/FCF5.15
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio1.89
Debt/Eq0.08
LT Debt/Eq0.08
Option/ShortYes / Yes

Earnings

EPS (ttm)2.81
EPS next Y4.17
EPS next Q0.85
EPS this Y52.19%
EPS next Y48.58%
EPS next 5Y39.50%
EPS past 3/5Y-17.13% 9.39%
Sales past 3/5Y23.83% 21.22%
EPS Y/Y TTM88.76%
Sales Y/Y TTM8.59%
EPS Q/Q-6.42%
Sales Q/Q15.30%
EarningsOct 21 AMC
EPS/Sales Surpr.-20.97% 4.13%

Ownership

Insider Own21.90%
Insider Trans-2.42%
Inst Own71.28%
Inst Trans1.00%
ROA0.88%
ROE11.12%
ROIC9.90%
Gross Margin-
Oper. Margin14.56%
Profit Margin11.94%
SMA20-1.42%
SMA50-5.55%
SMA200-9.63%
Trades-

Technical

Shs Outstand46.38M
Shs Float36.22M
Short Float7.00%
Short Ratio10.35
Short Interest2.53M
52W High44.53 -23.02%
52W Low29.36 16.76%
Volatility4.13% 3.24%
ATR (14)1.17
RSI (14)42.50
Beta1.80
Rel Volume0.49
Avg Volume244.81K
Volume25,766

Performance

Perf Week-2.48%
Perf Month-1.15%
Perf Quarter-20.90%
Perf Half Y-4.06%
Perf YTD-0.20%
Perf Year7.26%
Perf 3Y14.96%
Perf 5Y-63.41%
Perf 10Y100.47%
Recom2.20
Target Price40.50
Prev Close34.40
Price34.28
Change %-0.35%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 10, 2025InitiatedCCantor FitzgeraldNeutral$42+22.5%
Aug 19, 2025UpgradeKKeefe BruyetteMkt Perform → Outperform$43+25.4%
Oct 05, 2023UpgradeJJP MorganNeutral → Overweight$40+16.7%
Apr 28, 2023UpgradeJJP MorganUnderweight → Neutral$25 → $26.50-22.7%
Feb 27, 2023ResumedRRaymond JamesMkt Perform
Dec 13, 2022DowngradeJJP MorganNeutral → Underweight$34 → $30-12.5%
Jul 07, 2022DowngradeRRaymond JamesOutperform → Mkt Perform
Jul 01, 2022DowngradeJJP MorganOverweight → Neutral$58 → $41+19.6%
Oct 29, 2021UpgradeJJP MorganNeutral → Overweight$70 → $95+177.1%
Oct 07, 2021DowngradeRRaymond JamesStrong Buy → Outperform$80+133.4%

Peers

Mkt cap
TickerCompanyMkt cap
NEWTNewtekOne Inc313.77M
BYByline Bancorp Inc1.73B
AXAxos Financial Inc5.19B
INBKFirst Internet Bancorp223.71M
TBBKBancorp Inc1.93B
CUBICustomers Bancorp Inc2.82B
CASHPathward Financial Inc1.54B
MBINMerchants Bancorp2.46B
CCBCoastal Financial Corp661.94M
FBNCFirst Bancorp2.67B

Insider trading

latest 14 of 100
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Seward Gregory WGeneral CounselOct 26 '26Sale35.315,000176,550108,797Oct 28 04:23 PM
Seward Gregory WOfficerOct 26 '26Proposed Sale35.315,000176,550Oct 26 04:19 PM
MAHAN JAMES S IIIChief Executive OfficerSep 10 '26Sale38.7510,000387,4852,747,844Sep 11 04:05 PM
MAHAN JAMES S IIIChief Executive OfficerSep 09 '26Sale38.6310,000386,3122,757,844Sep 11 04:05 PM
MAHAN JAMES S IIIOfficerSep 10 '26Proposed Sale38.7510,000387,485Sep 10 04:39 PM
MAHAN JAMES S IIIOfficerSep 09 '26Proposed Sale38.6310,000386,312Sep 09 04:18 PM
WILLIAMS WILLIAM L. IIIDirectorSep 03 '26Sale40.096,590264,2201,105,726Sep 08 04:19 PM
MAHAN JAMES S IIIChief Executive OfficerSep 03 '26Sale39.7510,000397,4662,767,844Sep 08 04:18 PM
Bradford Tonya WilliamsDirectorSep 03 '26Sale39.891,60063,8248,043Sep 08 04:18 PM
WILLIAMS WILLIAM L. IIIDirectorSep 02 '26Sale40.001,81072,4011,112,316Sep 03 04:52 PM
MAHAN JAMES S IIIChief Executive OfficerSep 02 '26Sale39.5410,000395,4112,777,844Sep 03 04:52 PM
Bradford Tonya WilliamsDirectorSep 03 '26Proposed Sale39.891,60063,824Sep 03 11:00 AM
MAHAN JAMES S IIIOfficerSep 03 '26Proposed Sale39.8910,000398,900Sep 03 10:41 AM
MAHAN JAMES S IIIOfficerSep 02 '26Proposed Sale39.0010,000390,000Sep 02 02:01 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VBKVanguard Morningstar Small-Cap Growth ETFAUM: 22.34B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 202
  • Live Oak Bancshares, Inc. Prices Depositary Share Offering (GlobeNewswire)
  • Live Oak Bancshares Misses As Credit Costs Overwhelm A Record Operating Quarter (Earnings Whispers)
  • Live Oak Bancshares: Q3 Earnings Snapshot (Associated Press)
  • Live Oak Bancshares, Inc. Reports Third Quarter 2026 Results (GlobeNewswire)
  • Live Oak Bank Named Nation's Top SBA 7(a) Lender (GlobeNewswire)
  • Loading…
  • Live Oak Bancshares, Inc. Announces Date of Third Quarter 2026 Financial Results (GlobeNewswire) -6.11%
  • Live Oak Bank Named Official Business Bank of UNCW Athletics (GlobeNewswire)
  • Live Oak Bancshares Inc (LOB) Q2 2026 Earnings Call Highlights: Strong EPS Growth and ... (GuruFocus.com)
  • Live Oak Bancshares: Q2 Earnings Snapshot (Associated Press)
  • Live Oak Bancshares, Inc. Reports Second Quarter 2026 Results (GlobeNewswire)
  • Live Oak Bancshares Inc (LOB) Q2 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
  • What To Expect From Live Oak Bancshares Inc (LOB) Q2 2026 Earnings (GuruFocus.com)
  • Live Oak Bancshares, Inc. Announces Date of Second Quarter 2026 Financial Results (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-210.5200.6580.520175.65168.685
2026Q22026-07-220.6920.6770.745156.15155.125
2026Q12026-04-220.6000.5860.601145.47151.235
2025Q42026-01-210.5620.5640.950172.91150.415
2025Q32025-10-220.5500.5990.553146.1148.15
2025Q22025-07-230.5100.5000.512143.75139.253
2025Q12025-04-230.2100.3700.212126.111293
2024Q42025-01-220.2200.5270.215128.07131.13
2024Q32024-10-230.2800.5450.283129.93127.834
2024Q22024-07-240.5900.4710.592125.48122.285
2024Q12024-04-240.4040.4690.604116.21118.875
2023Q42024-01-240.3600.5080.357119.68119.145
2023Q32023-10-250.8800.4760.879127.3115.355
2023Q22023-07-250.4000.3230.391108.46107.165
2023Q12023-04-260.0910.3420.009101.6109.735
2022Q42023-01-250.1400.4280.040104.97109.684

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.1511.0702.655250.96187.62
2018FY1.2401.1101.241211.81222.33
2019FY0.4400.3650.439207.96206.34
2020FY1.4501.0931.426280.72284.33
2021FY3.7003.4643.705456.99437.85
2022FY1.7852.1003.924565.49577.99
2023FY1.6401.6681.639457.04452.79
2024FY1.6901.7071.691499.69497.7
2025FY1.8431.9772.230577.82572.54
2026FY-2.805--655.19
2027FY-4.167--753.79
2028FY-5.003--843.33

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-04430176.38172.9182.47
2026Q4S2026-10-26430176.25172.4182.47
2026Q4S2026-10-23430175.83172.4180.8
2026Q4S2026-10-22430175.37172.4180.8
2026Q4S2026-10-21410174.29170.4180.8
2026Q4S2026-10-09410174.29170.4180.8
2026Q4S2026-10-06310172.12170.4173.07
2026Q4S2026-10-02321172.12170.4173.07
2026Q4S2026-10-01321171.66170.4173.07
2026Q4S2026-07-24312170.6169.91171.5
2026Q4S2026-07-23311171.68170.4173.14
2026Q4S2026-07-08300171.18167.4173.14
2026Q4S2026-07-07310171.18167.4173.14
2026Q4S2026-07-01312171.18167.4173.14

Estimate history

EPS, annual2.6551.2410.4391.4263.7053.9241.6391.6912.2332.8132
Period201720182019202020212022202320242025TTM
EPS, quarterly0.2830.2150.2120.5120.5530.950.6010.7450.518
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual208.393266.408288.448387.273474.12533.814810.51932.9891013.5941097.74
Period201720182019202020212022202320242025TTM
Sales, quarterly240.097245.693241.939259.44263.844259.459261.92272.159304.2
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual39.89640.15640.31742.45243.61944.06144.61845.35946.03246.378
Period201720182019202020212022202320242025MRQ
Shares, quarterly45.15245.35945.5945.68645.85646.03246.24146.28446.378
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income974.71908.47812.37688.27444.47361.21288.41227.98162.64
Total Interest Expense473.85460.11436.47342.97116.9764.4393.6987.9054.60
Net Interest Income500.87448.36375.90345.31327.50296.79194.72140.08108.04
Loan Loss Provision122.4496.3096.2151.3240.9415.2140.6615.2113.06
Net Interest Income After Loan Loss Provision378.42352.06279.69293.98286.56281.57154.06124.8794.98
Non-Interest Income123.03105.12120.62122.2389.34112.9198.8660.47103.77
Non-Interest Expense341.59331.01299.62312.75293.61178.79190.85153.98150.02
Operating Income159.85126.16100.69103.4782.29215.6962.0831.3548.73
Unusual Expense0.440.730.5314.6416.223.190.000.602.68
Net Income Before Taxes183.04142.8189.2382.83210.32210.7947.3923.4646.05
Income Taxes44.0037.1711.828.9334.1243.79-12.155.43-5.40
Consolidated Net Income139.04105.6477.4273.90176.21167.0059.5418.0351.45
Net Income From Continuing Operations139.40105.8777.4773.90176.21167.0059.5418.0351.45
Net Income131.02102.8277.4773.90176.21167.0059.5418.0351.45
EPS (Recurring)-2.241.701.874.183.751.430.451.29
EPS (Basic, Before Extraordinaries)2.842.251.721.674.023.871.460.451.28
EPS (Diluted)2.812.231.691.643.923.711.430.441.24
Non-Operating Income (Expense)23.6217.39-10.92-5.99144.25-1.72-14.69-7.890.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense21.8820.7120.7014.120.741.011.161.261.03
Price To Earnings Ratio12.2312.2321.5334.496.6423.5533.9243.2811.94
Price To Sales Ratio1.551.561.942.532.548.305.122.712.30
Operating Margin14.5612.4510.7912.7715.4245.4916.0310.8718.29
Net Margin11.9410.148.309.1233.0135.2215.376.2519.31
Shares Outstanding46.3846.0345.3644.6244.0643.6242.4540.3240.16
Market Capitalization1,595.401,595.401,787.242,023.921,328.333,806.881,928.89765.86594.58

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income259.48241.72233.86239.66231.43224.28213.10212.57
Total Interest Expense126.47116.38114.46116.53115.94115.06112.57115.09
Net Interest Income133.01125.34119.40123.12115.48109.22100.5397.47
Loan Loss Provision54.7025.8020.1021.8422.2423.2528.9633.58
Net Interest Income After Loan Loss Provision78.3199.5499.30101.2893.2485.9771.5763.89
Non-Interest Income44.7230.4428.0619.8032.4235.1628.8333.12
Non-Interest Expense88.0584.2386.4682.8587.2886.9485.0379.88
Operating Income34.9845.7540.9038.2338.3834.1915.3717.14
Unusual Expense0.310.000.000.130.340.270.001.17
Net Income Before Taxes35.2345.8240.0861.9136.5731.2013.1313.23
Income Taxes8.969.1210.1315.7910.117.823.463.39
Consolidated Net Income26.2736.7029.9546.1226.4723.399.679.84
Net Income From Continuing Operations26.3536.8030.0446.2126.5223.439.729.90
Net Income24.2634.7027.9544.1225.5623.439.729.90
EPS (Recurring)0.520.740.60-0.560.520.210.23
EPS (Basic, Before Extraordinaries)0.520.750.610.960.560.510.210.22
EPS (Diluted)0.520.740.600.950.550.510.210.21
Non-Operating Income (Expense)0.550.07-0.8223.81-1.47-2.72-2.24-2.74
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.315.845.445.294.665.495.275.13
Price To Earnings Ratio12.2315.6114.8523.0328.8222.8815.7321.53
Price To Sales Ratio1.551.801.471.551.611.381.271.93
Operating Margin11.5016.8115.6114.7314.5513.186.356.98
Net Margin7.9812.7510.6717.009.699.034.024.03
Shares Outstanding46.3846.2846.2446.0345.8645.6945.5945.36
Market Capitalization1,595.401,889.361,528.481,570.871,610.661,359.121,214.771,787.24

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks864.90608.80582.54280.24187.20297.17124.61316.82295.27
Investments1,856.711,602.261,520.251,713.832,047.771,957.521,613.831,078.23776.81
Net Loans11,781.3610,065.868,508.017,247.615,457.685,092.782,599.051,810.981,319.78
Investment in Unconsolidated Affiliates78.27131.6566.4758.015.206.4017.007.101.50
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets8.211.946.480.000.624.165.611.091.28
Net Property, Plant & Equipment241.86266.17260.68265.41240.20259.27279.10262.52178.79
Interest Receivables85.0080.7063.5046.5031.000.000.000.000.00
Other Intangible Assets218.47186.01263.50243.91243.73255.02173.63193.69185.04
Total Assets15,134.7812,943.3811,271.429,855.508,213.397,872.304,812.833,670.452,758.47
Total Deposits13,688.6611,760.4910,275.028,884.937,112.045,712.834,226.983,149.582,260.26
Total Debt104.56115.4626.5385.76320.731,544.850.011.4626.56
Long Term Debt104.02115.4626.5385.06319.851,529.620.010.0125.71
Provision for Risks Charges0.000.000.001.500.000.000.000.000.00
Other Liabilities87.4563.9367.2072.2865.4946.7853.4525.8534.71
Total Liabilities13,880.6711,939.8810,368.769,044.477,498.267,304.454,280.443,176.892,321.54
Preferred Stock - Carrying Value96.270.000.000.000.000.000.000.000.00
Common Equity1,153.60999.03902.67811.03715.13567.85532.39493.56436.93
Total Shareholders Equity1,249.87999.03902.67811.03715.13567.85532.39493.56436.93
Accumulated Minority Interest4.244.470.000.000.000.000.000.000.00
Total Equity1,254.111,003.50902.67811.03715.13567.85532.39493.56436.93
Total Liabilities & Stockholders Equity15,134.7812,943.3811,271.429,855.508,213.397,872.304,812.833,670.452,758.47
Book Value Per Share25.0622.0220.2318.4116.3913.3813.2112.2910.95
Tangible Book Value Per Share25.0622.0220.2318.4116.3913.3813.2112.2910.77
Tier 1 Capital1,258.601,049.42960.43888.24689.37521.57499.51467.03390.82
Tier 2 Capital138.85119.64102.7289.1264.3253.0528.2332.4324.19
Full-Time Employees1,0271,008998955817647635506528
Price to Book Ratio1.321.772.381.665.323.551.441.202.61
Return on Assets0.750.640.701.952.080.940.431.604.45
Return on Equity9.428.158.6223.0926.0310.823.5211.0630.46
Return on Invested Capital7.826.957.9519.6616.132.843.3910.4221.72
Current Ratio0.170.850.940.171.230.071.690.130.16

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations287.43114.69150.90137.69146.55-121.80-198.73-500.8426.93
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital37.5743.565.8839.47-22.062.08-74.254.42-15.41
Cash from Operating Activities325.00158.24156.78177.16124.48-119.72-272.99-496.4211.52
Capital Expenditures-16.50-14.76-49.31-46.84-43.75-3.08-20.99-37.20-111.32
Net Assets From Acquisitions0.000.000.000.000.000.00-0.900.00-0.21
Sale of Fixed Assets and Businesses0.454.365.570.100.000.080.000.000.86
Purchase or Sale of Investments-86.23-51.39-122.09-121.05-242.94-166.37-193.38-141.01-290.03
Purchase of Investments-366.60-311.54-285.11-242.80-406.63-428.25-396.19-253.10-347.18
Sale Or Maturity of Investments280.36260.15163.02121.76163.69261.88202.81112.0957.16
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.0043.6018.590.008.999.0610.890.00
Cash from Investing Activities-2,268.96-1,904.19-1,694.89-1,277.45-1,442.34-149.80-2,607.47-670.66-850.59
Cash Dividends Paid-13.92-8.54-5.41-5.33-5.27-5.19-4.91-4.83-4.81
Change in Capital Stock2.06100.463.762.563.193.883.590.941.97
Repurchase of Common Pref Stock0.000.000.000.000.00-0.950.000.000.00
Sale of Common Pref Stock2.06100.463.762.563.194.833.590.941.97
Proceedsfrom Stock Options0.9997.491.451.401.070.670.520.440.34
Issuance or Reduction of Debt, Net0.00-10.4289.47-59.85-235.09-1,223.801,542.08-1.44-25.11
Change in Long Term Debt0.000.000.000.000.000.000.000.00-25.06
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.02
Reduction of Long Term Debt0.000.000.000.000.000.000.000.00-25.08
Net Financing Active Other Cash Flow-8.92-7.62-8.93-6.72-4.97-19.15-49.23-0.41-0.76
Other Financing Activities Uses-8.92-7.62-8.93-6.72-4.97-19.15-49.23-0.41-0.76
Cash from Financing Activities2,151.422,002.051,564.371,320.761,530.74154.952,977.381,069.17860.62
Net Change in Cash207.46256.1026.26165.90212.89-114.5796.92-97.9121.55
Free Cash Flow308.50143.49107.47130.3280.73-122.80-293.98-533.62-99.80
Preferred Dividends (Cash Flow)--3.050.000.000.000.000.000.000.00
Price to Free Cash Flow5.7611.7217.7516.4117.97----
Federal Home Loan Advances Increase (Decrease)-0.000.000.00112.470.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks1,099.90927.63816.13864.90892.45662.75
Investments1,997.771,979.921,870.101,856.711,734.161,676.25
Net Loans13,159.4212,437.4411,964.9411,781.3611,369.1210,831.82
Investment in Unconsolidated Affiliates78.1173.7876.9778.27125.74127.50
Net Property, Plant & Equipment220.89231.20235.33241.86241.14246.49
Interest Receivables96.6090.5089.0085.0086.6084.50
Other Intangible Assets304.40286.66235.55218.47205.68195.57
Total Assets16,965.5816,038.1415,300.0315,134.7814,665.9013,831.21
Total Deposits15,468.1714,547.5313,835.0613,688.6613,290.7212,594.79
Total Debt99.7999.7799.75104.56105.05107.66
Long Term Debt99.7999.7799.75104.02105.05107.66
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities85.3773.9383.4787.4567.5861.49
Total Liabilities15,653.3414,721.2214,018.2713,880.6713,463.3512,763.94
Preferred Stock - Carrying Value96.2796.2796.2796.2796.270.00
Common Equity1,212.001,216.601,181.351,153.601,101.961,062.89
Total Shareholders Equity1,308.271,312.861,277.621,249.871,198.221,062.89
Accumulated Minority Interest3.974.054.144.244.334.38
Total Equity1,312.231,316.921,281.761,254.111,202.551,067.27
Total Liabilities & Stockholders Equity16,965.5816,038.1415,300.0315,134.7814,665.9013,831.21
Book Value Per Share26.1326.2925.5525.0624.0323.27
Tangible Book Value Per Share26.1326.2925.5525.0624.0323.27
Tier 1 Capital1,353.871,329.311,288.831,258.601,214.811,088.97
Tier 2 Capital159.08148.73-138.85133.87128.44
Full-Time Employees---1,0271,029-
Price to Book Ratio1.321.601.321.431.511.32
Return on Assets0.880.930.870.750.510.44
Return on Equity11.1211.7510.959.426.315.54
Return on Invested Capital1.872.602.183.412.032.00
Current Ratio1.891.701.800.172.001.92

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations108.9049.6390.7538.15-229.62196.96
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital17.84-18.44-3.3741.54-4.9711.21
Cash from Operating Activities126.7431.1987.3879.69-234.59208.17
Capital Expenditures-2.34-2.81-2.05-9.30-1.74-1.43
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.450.000.000.004.14
Purchase or Sale of Investments-76.85-37.95-9.2337.80-33.86-6.63
Purchase of Investments-120.31-93.87-58.77-93.65-83.42-53.65
Sale Or Maturity of Investments43.4655.9149.54131.4549.5547.01
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-869.66-628.45-273.40-497.46-322.40-485.06
Cash Dividends Paid-3.48-3.48-3.48-3.47-2.33-1.37
Preferred Dividends (Cash Flow)-2.09-2.09-2.09-2.09-0.950.00
Change in Capital Stock0.500.100.980.4897.780.79
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.500.100.980.4897.780.79
Proceedsfrom Stock Options0.500.000.480.0096.830.00
Issuance or Reduction of Debt, Net0.030.02-2.66-2.64-2.61-2.59
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-2.50-0.35-3.99-2.07-2.08-0.29
Other Financing Activities Uses-2.50-0.35-3.99-2.07-2.08-0.29
Cash from Financing Activities915.19708.75137.25390.23786.69195.38
Net Change in Cash172.27111.50-48.77-27.54229.69-81.51
Free Cash Flow124.4028.3885.3470.39-236.33206.74
Price to Free Cash Flow5.76-13.3211.78-5.16

Revenue breakdown

United States2024: 488.56M 2025: 577.82M
Total State Commercial Banks revenue2024: 488.56M 2025: 577.82M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-307.00%2.5M36.2M230.73K
2026-10-156.80%2.5M36.2M222.82K
2026-09-306.12%2.2M36.2M217.33K
2026-09-155.84%2.1M36.1M248.89K
2026-08-315.54%2.0M36.0M254.70K
2026-08-145.31%1.9M36.0M260.91K
2026-07-315.29%1.9M36.0M255.28K
2026-07-155.53%2.0M36.0M256.04K
2026-06-305.33%1.9M36.0M262.67K
2026-06-155.75%2.1M36.0M244.38K
2026-05-295.43%1.9M35.9M252.83K
2026-05-155.61%2.0M35.9M260.72K
2026-04-305.88%2.1M35.9M285.41K
2026-04-155.83%2.1M35.8M327.50K
2026-03-316.05%2.2M35.6M334.46K
2026-03-135.67%2.0M35.6M337.60K
2026-02-275.20%1.9M35.6M342.91K
2026-02-135.48%1.9M35.2M344.21K
2026-01-305.73%2.0M35.1M327.53K
2026-01-155.30%1.9M35.2M298.36K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0012.0016.500.004.4100.000.000.906-0.1610.009
call22.509.8014.000.003.7490.000.000.887-0.1530.010
call25.007.2011.400.003.0550.000.000.863-0.1430.012
call30.002.356.305.301.8452000.000.782-0.1140.016
call35.000.001.651.450.9214.000.000.503-0.1650.022
call40.000.004.700.401.6723.000.000.322-0.1780.019
call45.000.004.700.362.1851.000.000.269-0.2160.018
call50.000.004.700.002.5630.000.000.241-0.2410.017
call55.000.004.700.002.9260.000.000.221-0.2620.016
put20.000.004.700.003.1410.000.00-0.097-0.1570.009
put22.500.004.700.002.6460.000.00-0.113-0.1500.010
put25.000.004.700.002.1690.000.00-0.136-0.1410.012
put30.000.000.950.751.2431.000.00-0.223-0.1090.016
put35.000.004.902.042.0673.000.00-0.501-0.1590.022
put40.003.508.000.001.9440.000.00-0.678-0.1740.019
put45.008.6012.900.002.4440.000.00-0.731-0.2110.018
put50.0013.5017.800.002.8310.000.00-0.761-0.2370.017
put55.0018.5022.700.003.2060.000.00-0.780-0.2570.016

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-058-KCurrent report2026-11-04SEC
2026-11-05424B5SEC
2026-11-04FWPFiling under Securities Act Rule 163/433 of free writing prospectuses.SEC
2026-11-04424B5SEC
2026-11-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-284Statement of changes in beneficial ownership of securities2026-10-26SEC
2026-10-26144Filing for proposed sale of securities under Rule 144.SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-10-208-KCurrent report2026-10-14SEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-09SEC
2026-09-10144Filing for proposed sale of securities under Rule 144.SEC
2026-09-09144Filing for proposed sale of securities under Rule 144.SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-09-03144Filing for proposed sale of securities under Rule 144.SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-02SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-02SEC
2026-09-02144Filing for proposed sale of securities under Rule 144.SEC
2026-08-288-KCurrent report2026-08-28SEC
2026-08-284Statement of changes in beneficial ownership of securities2026-08-26SEC
2026-08-27144Filing for proposed sale of securities under Rule 144.SEC
2026-08-26144Filing for proposed sale of securities under Rule 144.SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-25SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-20144Filing for proposed sale of securities under Rule 144.SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-18SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1000176.55K1
2026-09001.97M7
2026-08002.93M9
2026-0700732.57K3
2026-06001.84M5
2026-05002.21M6
2026-04002.84M1
2026-03001.66M6
2026-02003.22M8
2026-01100.00K1378.35K1
2025-12002.07M6
2025-1130.24K1678.40K3

Institutional holders

Manager% owned
T. Rowe Price Investment Management, Inc.13.99%
BlackRock, Inc.7.60%
DIMENSIONAL FUND ADVISORS LP3.59%
VANGUARD CAPITAL MANAGEMENT LLC3.58%
STATE STREET CORP2.96%
BARROW HANLEY MEWHINNEY & STRAUSS LLC2.94%
GILDER GAGNON HOWE & CO LLC2.43%
VANGUARD PORTFOLIO MANAGEMENT LLC2.15%
SOUTHERNSUN ASSET MANAGEMENT, LLC2.02%
GEODE CAPITAL MANAGEMENT, LLC1.99%

Funds

Fund% owned
T. Rowe Price Small-Cap Value Fund, Inc.5.06%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.55%
T. Rowe Price Small-Cap Stock Fund, Inc.2.09%
iShares Russell 2000 ETF2.05%
Avantis U.S. Small Cap Value ETF1.50%
T. Rowe Price Institutional Small-Cap Stock Fund1.14%
VANGUARD SMALL-CAP INDEX FUND0.92%
VANGUARD EXTENDED MARKET INDEX FUND0.89%
Fidelity Small Cap Index Fund0.86%
Loomis Sayles Small Cap Growth Fund0.79%

OakChart. LOB. Cached 15 minutes.