LOB (Live Oak Bancshares) Ending Cash Position: $816.1 Mil (As of Mar. 2026)

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LOB Live Oak Bancshares Inc LOB
70 GF Score
Price $41.05
GF Value $42.98
Valuation Fairly Valued
! 5 Warning Signs
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What is Live Oak Bancshares Ending Cash Position?

Live Oak Bancshares LOB -1.49% 70 Ending Cash Position is $816.1 Mil as of Mar. 2026. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $42.98 (Fairly Valued). The stock has 5 warning signs investors should review.

Live Oak Bancshares's Ending Cash Position for the quarter that ended in Mar. 2026 was $816.1 Mil.

Live Oak Bancshares's quarterly Ending Cash Position declined from Sep. 2025 ($892.4 Mil) to Dec. 2025 ($864.9 Mil) and declined from Dec. 2025 ($864.9 Mil) to Mar. 2026 ($816.1 Mil).

Live Oak Bancshares's annual Ending Cash Position increased from Dec. 2023 ($582.5 Mil) to Dec. 2024 ($608.8 Mil) and increased from Dec. 2024 ($608.8 Mil) to Dec. 2025 ($864.9 Mil).

Live Oak Bancshares Ending Cash Position Related Terms

Live Oak Bancshares Ending Cash Position Historical Data

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The historical data trend for Live Oak Bancshares's Ending Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Live Oak Bancshares Ending Cash Position Chart

Live Oak Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 203.75 416.64 582.54 608.80 864.90

Live Oak Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Ending Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 744.26 662.76 892.45 864.90 816.14
LOB
70GF Score
Live Oak Bancshares Inc LOB
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Live Oak Bancshares Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Live Oak Bancshares's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=608.8+256.104
=864.9

Live Oak Bancshares's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=864.904+-48.769
=816.1

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $816.1 Mil mean?
Live Oak Bancshares (LOB) has a Ending Cash Position of $816.1 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Live Oak Bancshares and its competitors.
Is Live Oak Bancshares' Ending Cash Position too high?
Live Oak Bancshares' current Ending Cash Position is $816.1 Mil. Overall, Live Oak Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Ending Cash Position compare to CHCO and SRCE?
Live Oak Bancshares' Ending Cash Position of $816.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Live Oak Bancshares and its competitors. Live Oak Bancshares's current Ending Cash Position is $816.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Live Oak Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Live Oak Bancshares (LOB) is currently considered Fairly Valued. The stock's GF Value™ is $42.98, compared to a current price of $41.05 — trading 4.5% below its estimated fair value. The current Ending Cash Position is $816.1 Mil. Live Oak Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Ending Cash Position is $816.1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Live Oak Bancshares (LOB) Overvalued in 2026?

Based on GuruFocus' analysis, Live Oak Bancshares stock appears to be undervalued. The current stock price of $41.05 is trading 4.5% below its estimated GF Value™ of $42.98. GuruFocus considers Live Oak Bancshares to be Fairly Valued.

Key valuation signals for LOB:

  • Ending Cash Position: $816.1 Mil
  • GF Value™: $42.98 vs. price of $41.05 (4.5% below fair value)
  • GF Score™: 70/100 with 5 warning signs

No single metric tells the full story. See the LOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Live Oak Bancshares Business Description

Address 1741 Tiburon Drive, Wilmington, NC, USA, 28403
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.
70GF Score

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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.05
Price
$42.98
GF Value