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Live Oak Bancshares, Inc.（LOB）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
Live Oak Bancshares, Inc.的季度营收约是null的1.5倍（$145.5M vs $100.0M），Live Oak Bancshares, Inc.净利率更高（19.2% vs -7.0%，领先26.2%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 14.5%），过去两年Live Oak Bancshares, Inc.的营收复合增速更高（7.7% vs -4.9%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
LOB vs SWIM — 直观对比
营收规模更大
LOB
是对方的1.5倍
$100.0M
营收增速更快
LOB
高出3.8%
14.5%
净利率更高
LOB
高出26.2%
-7.0%
两年增速更快
LOB
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $100.0M |
| 净利润 | $27.9M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 19.2% | -7.0% |
| 营收同比 | 18.4% | 14.5% |
| 净利润同比 | 187.6% | 76.0% |
| 每股收益（稀释后） | $0.60 | $-0.06 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收LOBSWIM
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $100.0M | ||
| Q3 25 | $146.1M | $161.9M | ||
| Q2 25 | $143.7M | $172.6M | ||
| Q1 25 | $126.1M | $111.4M | ||
| Q4 24 | $116.9M | $87.3M | ||
| Q3 24 | $129.9M | $150.5M | ||
| Q2 24 | $125.5M | $160.1M |
净利润LOBSWIM
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $-7.0M | ||
| Q3 25 | $26.5M | $8.1M | ||
| Q2 25 | $23.4M | $16.0M | ||
| Q1 25 | $9.7M | $-6.0M | ||
| Q4 24 | $9.9M | $-29.2M | ||
| Q3 24 | $13.0M | $5.9M | ||
| Q2 24 | $27.0M | $13.3M |
毛利率LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -10.7% | ||
| Q3 25 | 25.0% | 13.3% | ||
| Q2 25 | 21.7% | 14.3% | ||
| Q1 25 | 10.4% | -4.4% | ||
| Q4 24 | 11.3% | -14.9% | ||
| Q3 24 | 13.7% | 8.9% | ||
| Q2 24 | 28.7% | 12.5% |
净利率LOBSWIM
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | -7.0% | ||
| Q3 25 | 18.1% | 5.0% | ||
| Q2 25 | 16.3% | 9.3% | ||
| Q1 25 | 7.7% | -5.4% | ||
| Q4 24 | 8.5% | -33.4% | ||
| Q3 24 | 10.0% | 3.9% | ||
| Q2 24 | 21.5% | 8.3% |
每股收益（稀释后）LOBSWIM
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $-0.06 | ||
| Q3 25 | $0.55 | $0.07 | ||
| Q2 25 | $0.51 | $0.13 | ||
| Q1 25 | $0.21 | $-0.05 | ||
| Q4 24 | $0.22 | $-0.24 | ||
| Q3 24 | $0.28 | $0.05 | ||
| Q2 24 | $0.59 | $0.11 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $1.3B | $405.9M |
| 总资产 | $15.3B | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
总债务LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益LOBSWIM
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $405.9M | ||
| Q3 25 | $1.2B | $408.4M | ||
| Q2 25 | $1.1B | $398.4M | ||
| Q1 25 | $1.0B | $381.1M | ||
| Q4 24 | $999.0M | $387.2M | ||
| Q3 24 | $1.0B | $416.6M | ||
| Q2 24 | $961.0M | $408.1M |
总资产LOBSWIM
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $823.2M | ||
| Q3 25 | $14.7B | $844.4M | ||
| Q2 25 | $13.8B | $822.1M | ||
| Q1 25 | $13.6B | $824.6M | ||
| Q4 24 | $12.9B | $794.2M | ||
| Q3 24 | $12.6B | $853.4M | ||
| Q2 24 | $11.9B | $830.0M |
负债/权益比LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $23.3M | ||
| Q3 25 | $62.3M | $51.0M | ||
| Q2 25 | $49.2M | $36.0M | ||
| Q1 25 | $-33.0M | $-46.9M | ||
| Q4 24 | $156.8M | $6.2M | ||
| Q3 24 | $47.4M | $37.2M | ||
| Q2 24 | $29.5M | $52.4M |
自由现金流LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $14.1M | ||
| Q3 25 | $60.6M | $45.2M | ||
| Q2 25 | $47.8M | $29.1M | ||
| Q1 25 | $-35.3M | $-50.3M | ||
| Q4 24 | $107.5M | $-98.0K | ||
| Q3 24 | $41.0M | $33.2M | ||
| Q2 24 | $12.3M | $47.9M |
自由现金流率LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 14.1% | ||
| Q3 25 | 41.4% | 27.9% | ||
| Q2 25 | 33.3% | 16.8% | ||
| Q1 25 | -28.0% | -45.2% | ||
| Q4 24 | 91.9% | -0.1% | ||
| Q3 24 | 31.6% | 22.1% | ||
| Q2 24 | 9.8% | 29.9% |
资本支出强度LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 9.2% | ||
| Q3 25 | 1.2% | 3.6% | ||
| Q2 25 | 1.0% | 4.0% | ||
| Q1 25 | 1.8% | 3.1% | ||
| Q4 24 | 42.2% | 7.2% | ||
| Q3 24 | 4.9% | 2.7% | ||
| Q2 24 | 13.7% | 2.8% |
现金转化率LOBSWIM
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | — | ||
| Q3 25 | 2.35× | 6.29× | ||
| Q2 25 | 2.10× | 2.25× | ||
| Q1 25 | -3.39× | — | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | 6.32× | ||
| Q2 24 | 1.10× | 3.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
LOB
暂无分部数据
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
