LOB Live Oak Bancshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: LOB

Price (delayed)

$35.72

Market cap

$1.59B

P/E Ratio

26.66

Dividend/share

$0.12

EPS

$1.34

Enterprise value

$1.08B

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
The debt has contracted by 27% YoY and by 9% from the previous quarter
The equity has grown by 6% YoY and by 2.1% from the previous quarter
LOB's P/E is 82% above its last 4 quarters average of 13.8
The net income has plunged by 71% YoY and by 4.9% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Peers: NIC NKSH

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
44.48M
Market cap
$1.59B
Enterprise value
$1.08B
Valuations
Price to earnings (P/E)
26.66
Price to book (P/B)
1.86
Price to sales (P/S)
4.17
EV/EBIT
16.29
EV/EBITDA
12.35
EV/Sales
2.83
Earnings
Revenue
$380.33M
EBIT
$66.06M
EBITDA
$87.16M
Free cash flow
$442.73M
Per share
EPS
$1.34
Free cash flow per share
$9.98
Book value per share
$19.17
Revenue per share
$8.57
TBVPS
$245.77
Balance sheet
Total assets
$10.95B
Total liabilities
$10.1B
Debt
$25.85M
Equity
$850.37M
Working capital
N/A
Liquidity
Debt to equity
0.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.88
Margins
EBITDA margin
22.9%
Gross margin
100%
Net margin
15.7%
Operating margin
19.6%
Efficiency
Return on assets
0.6%
Return on equity
7.2%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
17.4%
Dividend
Dividend yield
0.34%
DPS
$0.12
Payout ratio
9%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
6.31%
1 week
9.14%
1 month
23.9%
1 year
4.9%
YTD
18.28%
QTD
23.39%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$380.33M
Gross profit
$380.33M
Operating income
$74.58M
Net income
$59.53M
Gross margin
100%
Net margin
15.7%
The operating income has plunged by 72% YoY and by 11% from the previous quarter
The net income has plunged by 71% YoY and by 4.9% from the previous quarter
Live Oak Bancshares's operating margin has plunged by 60% YoY and by 9% from the previous quarter
The net margin has plunged by 58% YoY

Growth

What is Live Oak Bancshares's growth rate over time

Valuation

What is Live Oak Bancshares stock price valuation
LOB P/E details
P/E
26.66
P/B
1.86
P/S
4.17
EV/EBIT
16.29
EV/EBITDA
12.35
EV/Sales
2.83
LOB's P/E is 82% above its last 4 quarters average of 13.8
The EPS has plunged by 71% YoY and by 6% from the previous quarter
LOB's P/B is 20% below its 5-year quarterly average of 2.2 but 17% above its last 4 quarters average of 1.5
The equity has grown by 6% YoY and by 2.1% from the previous quarter
The stock's P/S is 40% above its last 4 quarters average of 2.8 but 13% below its 5-year quarterly average of 4.5
LOB's revenue is down by 30% year-on-year and by 2.7% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has plunged by 77% YoY
The ROA has plunged by 74% YoY
The ROE has dropped by 73% year-on-year and by 6% since the previous quarter
The ROS has plunged by 63% YoY

Dividends

What is LOB's dividend history
Dividend details
DPS
$0.12
Dividend yield
0.34%
Payout ratio
9%
Recent dividends

Financial health

How did Live Oak Bancshares financials performed over time
The company's total assets is 8% higher than its total liabilities
Live Oak Bancshares's total liabilities has increased by 19% YoY
The company's total assets rose by 18% YoY
The debt is 97% less than the equity
The debt has contracted by 27% YoY and by 9% from the previous quarter
Live Oak Bancshares's debt to equity has decreased by 25% YoY

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