LOB Live Oak Bancshares Inc
Price (delayed)
$27.665
Market cap
$1.25B
P/E Ratio
14.79
Dividend/share
$0.12
EPS
$1.87
Enterprise value
$698.7M
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 38% below its 5-year quarterly average of 24.0 and 30% below its last 4 quarters average of 21.2
The equity has grown by 19% YoY and by 4.9% from the previous quarter
The net income has increased by 41% YoY but it has decreased by 24% from the previous quarter
The EPS is up by 40% YoY but it is down by 25% from the previous quarter
Key stats
What are the main financial stats of LOB
Market
Valuations
Earnings
Shares outstanding
45.19M
Market cap
$1.25B
Enterprise value
$698.7M
Price to earnings (P/E)
14.79
Price to book (P/B)
1.24
Price to sales (P/S)
2.97
EV/EBIT
7.47
EV/EBITDA
6.05
EV/Sales
1.66
Revenue
$419.68M
Gross profit
$419.68M
Operating income
$108.07M
Net income
$83.74M
EBIT
$93.49M
EBITDA
$115.45M
Free cash flow
$532.3M
Per share
Balance sheet
Liquidity
EPS
$1.87
EPS diluted
$1.83
Free cash flow per share
$11.82
Book value per share
$22.38
Revenue per share
$9.32
TBVPS
$278.78
Total assets
$12.61B
Total liabilities
$11.6B
Debt
$115.37M
Equity
$1.01B
Working capital
N/A
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.78
Margins
Efficiency
Dividend
EBITDA margin
27.5%
Gross margin
100%
Net margin
20%
Operating margin
25.7%
Return on assets
0.7%
Return on equity
8.8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
22.3%
Dividend yield
0.43%
DPS
$0.12
Payout ratio
6.4%
LOB stock price
How has the Live Oak Bancshares stock price performed over time
Intraday
-0.05%
1 week
-4.47%
1 month
-18.46%
1 year
-27.18%
YTD
-30.05%
QTD
-30.05%
Financial performance
How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$419.68M
Gross profit
$419.68M
Operating income
$108.07M
Net income
$83.74M
Gross margin
100%
Net margin
20%
The operating income has grown by 45% YoY but it has contracted by 19% from the previous quarter
The net income has increased by 41% YoY but it has decreased by 24% from the previous quarter
Live Oak Bancshares's operating margin has increased by 31% YoY but it has decreased by 15% from the previous quarter
The net margin has grown by 27% YoY but it has contracted by 20% 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
14.79
P/B
1.24
P/S
2.97
EV/EBIT
7.47
EV/EBITDA
6.05
EV/Sales
1.66
The EPS is up by 40% YoY but it is down by 25% from the previous quarter
LOB's P/E is 38% below its 5-year quarterly average of 24.0 and 30% below its last 4 quarters average of 21.2
LOB's P/B is 48% below its 5-year quarterly average of 2.4 and 38% below its last 4 quarters average of 2.0
The equity has grown by 19% YoY and by 4.9% from the previous quarter
The stock's P/S is 37% below its 5-year quarterly average of 4.7 and 34% below its last 4 quarters average of 4.5
LOB's revenue is up by 10% year-on-year but it is down by 4.9% since the previous quarter
Efficiency
How efficient is Live Oak Bancshares business performance
The ROA has contracted by 30% from the previous quarter but it has grown by 17% YoY
The ROS is up by 28% YoY but it is down by 17% from the previous quarter
The ROE has declined by 27% since the previous quarter but it is up by 22% year-on-year
Live Oak Bancshares's ROIC has decreased by 27% from the previous quarter but it has increased by 14% YoY
Dividends
What is LOB's dividend history
DPS
$0.12
Dividend yield
0.43%
Payout ratio
6.4%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Live Oak Bancshares financials performed over time
The company's total assets is 9% higher than its total liabilities
Live Oak Bancshares's total liabilities has increased by 15% YoY and by 6% from the previous quarter
The company's total assets rose by 15% YoY and by 6% QoQ
The debt is 89% less than the equity
The equity has grown by 19% YoY and by 4.9% from the previous quarter
Live Oak Bancshares's debt to equity has decreased by 8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.