LOB Live Oak Bancshares Inc

Price (delayed)

$33.28

Market cap

$1.5B

P/E Ratio

14.6

Dividend/share

$0.12

EPS

$2.28

Enterprise value

$1.02B

Live Oak Bank is a direct bank headquartered in Wilmington, North Carolina. It is a subsidiary of Live Oak Bancshares, Inc., a bank holding company. The bank specializes in originating ...

Highlights
LOB's P/E is 43% below its 5-year quarterly average of 25.7 and 32% below its last 4 quarters average of 21.4
The equity has grown by 13% YoY and by 2.8% from the previous quarter
The EPS is up by 37% from the previous quarter but it is down by 30% YoY
The net income has increased by 37% from the previous quarter but it has decreased by 29% YoY

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
44.97M
Market cap
$1.5B
Enterprise value
$1.02B
Valuations
Price to book (P/B)
1.61
Price to sales (P/S)
3.52
EV/EBIT
10.06
EV/EBITDA
8.33
EV/Sales
2.41
Earnings
Revenue
$422.98M
EBIT
$101.32M
EBITDA
$122.38M
Free cash flow
$514.06M
Per share
EPS
$2.28
Free cash flow per share
$11.48
Book value per share
$20.72
Revenue per share
$9.45
TBVPS
$255.9
Balance sheet
Total assets
$11.51B
Total liabilities
$10.58B
Debt
$120.24M
Equity
$927.72M
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.9
Margins
EBITDA margin
28.9%
Gross margin
100%
Net margin
23.9%
Operating margin
27.4%
Efficiency
Return on assets
0.9%
Return on equity
11.5%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
24%
Dividend
Dividend yield
0.36%
DPS
$0.12
Payout ratio
5.3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
-0.39%
1 week
2.56%
1 month
-6.7%
1 year
33.17%
YTD
-26.86%
QTD
-19.83%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$422.98M
Gross profit
$422.98M
Operating income
$115.9M
Net income
$101.09M
Gross margin
100%
Net margin
23.9%
The operating income has contracted by 38% YoY but it has grown by 19% from the previous quarter
The net income has increased by 37% from the previous quarter but it has decreased by 29% YoY
The net margin has grown by 31% from the previous quarter but it has contracted by 16% YoY
Live Oak Bancshares's operating margin has decreased by 27% YoY but it has increased by 14% from the previous quarter

Growth

What is Live Oak Bancshares's growth rate over time

Valuation

What is Live Oak Bancshares stock price valuation
P/E
14.6
P/B
1.61
P/S
3.52
EV/EBIT
10.06
EV/EBITDA
8.33
EV/Sales
2.41
LOB's P/E is 43% below its 5-year quarterly average of 25.7 and 32% below its last 4 quarters average of 21.4
The EPS is up by 37% from the previous quarter but it is down by 30% YoY
LOB's P/B is 30% below its 5-year quarterly average of 2.3 and 11% below its last 4 quarters average of 1.8
The equity has grown by 13% YoY and by 2.8% from the previous quarter
The stock's P/S is 23% below its 5-year quarterly average of 4.6 and 10% below its last 4 quarters average of 3.9
LOB's revenue is down by 15% year-on-year but it is up by 4.3% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has decreased by 47% YoY but it has increased by 25% from the previous quarter
The ROA has contracted by 40% YoY but it has grown by 29% from the previous quarter
The ROE has declined by 35% year-on-year but it is up by 32% since the previous quarter
The ROS is down by 30% YoY but it is up by 18% from the previous quarter

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.36%
Payout ratio
5.3%
Recent dividends

Financial health

How did Live Oak Bancshares financials performed over time
The company's total assets is 9% higher than its total liabilities
The company's total assets rose by 11% YoY and by 2.1% QoQ
Live Oak Bancshares's total liabilities has increased by 11% YoY and by 2% from the previous quarter
The debt is 87% less than the equity
The equity has grown by 13% YoY and by 2.8% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.