LOB Live Oak Bancshares Inc

Price (delayed)

$24.74

Market cap

$1.09B

P/E Ratio

6.15

Dividend/share

$0.12

EPS

$4.02

Enterprise value

$754.74M

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 74% below its 5-year quarterly average of 23.8 and 30% below its last 4 quarters average of 8.8
The equity has grown by 13% YoY
The debt has soared by 134% from the previous quarter but it has plunged by 74% YoY
The gross profit has increased by 19% year-on-year but it has declined by 4.1% since the previous quarter

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
44.15M
Market cap
$1.09B
Enterprise value
$754.74M
Valuations
Price to earnings (P/E)
6.15
Price to book (P/B)
1.34
Price to sales (P/S)
2.07
EV/EBIT
3.59
EV/EBITDA
3.27
EV/Sales
1.44
Earnings
Revenue
$524.55M
EBIT
$210.32M
EBITDA
$231.1M
Free cash flow
$80.73M
Per share
EPS
$4.02
Free cash flow per share
$1.84
Book value per share
$18.44
Revenue per share
$11.93
TBVPS
$223.47
Balance sheet
Total assets
$9.86B
Total liabilities
$9.04B
Debt
$83.2M
Equity
$811.03M
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.46
Margins
EBITDA margin
44.1%
Gross margin
100%
Net margin
33.6%
Operating margin
43.2%
Efficiency
Return on assets
1.9%
Return on equity
22.6%
Return on invested capital
2.4%
Return on capital employed
N/A
Return on sales
40.1%
Dividend
Dividend yield
0.49%
DPS
$0.12
Payout ratio
3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
0.73%
1 week
-4.77%
1 month
-29.01%
1 year
-54.46%
YTD
-18.08%
QTD
-18.08%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$524.55M
Gross profit
$524.55M
Operating income
$226.54M
Net income
$176.21M
Gross margin
100%
Net margin
33.6%
The gross profit has increased by 19% year-on-year but it has declined by 4.1% since the previous quarter
LOB's revenue is up by 19% year-on-year but it is down by 4.1% since the previous quarter
The operating income has contracted by 15% from the previous quarter but it has grown by 6% YoY
The net income has decreased by 14% from the previous quarter but it has increased by 6% YoY

Growth

What is Live Oak Bancshares's growth rate over time

Valuation

What is Live Oak Bancshares stock price valuation
P/E
6.15
P/B
1.34
P/S
2.07
EV/EBIT
3.59
EV/EBITDA
3.27
EV/Sales
1.44
LOB's P/E is 74% below its 5-year quarterly average of 23.8 and 30% below its last 4 quarters average of 8.8
The EPS is down by 14% from the previous quarter but it is up by 3.9% YoY
LOB's P/B is 44% below its 5-year quarterly average of 2.4 and 36% below its last 4 quarters average of 2.1
The equity has grown by 13% YoY
The stock's P/S is 56% below its 5-year quarterly average of 4.7 and 35% below its last 4 quarters average of 3.2
LOB's revenue is up by 19% year-on-year but it is down by 4.1% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has decreased by 20% from the previous quarter
The ROA has contracted by 17% from the previous quarter and by 5% YoY
The ROE has declined by 17% since the previous quarter and by 10% year-on-year
The ROS is down by 16% YoY and by 15% from the previous quarter

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.49%
Payout ratio
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
Live Oak Bancshares's total liabilities has increased by 21% YoY and by 6% from the previous quarter
The company's total assets rose by 20% YoY and by 6% QoQ
The debt is 90% less than the equity
Live Oak Bancshares's debt to equity has soared by 150% from the previous quarter but it has plunged by 78% YoY
The debt has soared by 134% from the previous quarter but it has plunged by 74% YoY

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