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LOB Live Oak Bancshares Inc
- Stocks
- Financial Services
- NASDAQ: LOB
Price (delayed)
$32.27
Market cap
$1.47B
P/E Ratio
24.63
Dividend/share
$0.12
EPS
$1.31
Enterprise value
$837.5M
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 equity has grown by 11% YoY and by 2.8% from the previous quarter
The debt has contracted by 8% YoY and by 2.3% from the previous quarter
The EPS is down by 43% YoY and by 24% from the previous quarter
The net income has decreased by 41% YoY and by 23% from the previous quarter
Key stats
What are the main financial stats of LOB
Market
Valuations
Earnings
Shares outstanding
45.61M
Market cap
$1.47B
Enterprise value
$837.5M
Price to earnings (P/E)
24.63
Price to book (P/B)
1.43
Price to sales (P/S)
3.67
EV/EBIT
10.42
EV/EBITDA
7.93
EV/Sales
2.09
Revenue
$400.78M
Gross profit
$400.78M
Operating income
$80.79M
Net income
$59.61M
EBIT
$80.37M
EBITDA
$105.64M
Free cash flow
$564.51M
Per share
Balance sheet
Liquidity
EPS
$1.31
EPS diluted
$1.29
Free cash flow per share
$12.39
Book value per share
$22.54
Revenue per share
$8.8
TBVPS
$297.13
Total assets
$13.6B
Total liabilities
$12.56B
Debt
$110.25M
Equity
$1.03B
Working capital
N/A
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6
Margins
Efficiency
Dividend
EBITDA margin
26.4%
Gross margin
100%
Net margin
14.9%
Operating margin
20.2%
Return on assets
0.5%
Return on equity
6%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
20.1%
Dividend yield
0.37%
DPS
$0.12
Payout ratio
9.2%
LOB stock price
How has the Live Oak Bancshares stock price performed over time
Intraday
1.7%
1 week
8.14%
1 month
16.46%
1 year
-3.9%
YTD
-18.41%
QTD
8.29%
Financial performance
How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$400.78M
Gross profit
$400.78M
Operating income
$80.79M
Net income
$59.61M
Gross margin
100%
Net margin
14.9%
The net income has decreased by 41% YoY and by 23% from the previous quarter
The net margin has contracted by 38% YoY and by 22% from the previous quarter
The operating income has contracted by 30% YoY and by 10% from the previous quarter
Live Oak Bancshares's operating margin has decreased by 26% YoY and by 9% from the previous quarter
Price vs fundamentals
How does LOB's price correlate with its fundamentals
Growth
What is Live Oak Bancshares's growth rate over time
Valuation
What is Live Oak Bancshares stock price valuation
P/E
24.63
P/B
1.43
P/S
3.67
EV/EBIT
10.42
EV/EBITDA
7.93
EV/Sales
2.09
The EPS is down by 43% YoY and by 24% from the previous quarter
LOB's P/E is 33% above its 5-year quarterly average of 18.5 and 19% above its last 4 quarters average of 20.7
LOB's P/B is 43% below its 5-year quarterly average of 2.5 and 16% below its last 4 quarters average of 1.7
The equity has grown by 11% YoY and by 2.8% from the previous quarter
The stock's P/S is 24% below its 5-year quarterly average of 4.8 and 8% below its last 4 quarters average of 4.0
LOB's revenue is down by 5% year-on-year
Efficiency
How efficient is Live Oak Bancshares business performance
The ROE has declined by 48% year-on-year and by 25% since the previous quarter
The ROA has contracted by 44% YoY and by 17% from the previous quarter
Live Oak Bancshares's ROIC has decreased by 30% YoY and by 13% from the previous quarter
The ROS is down by 16% YoY and by 9% from the previous quarter
Dividends
What is LOB's dividend history
DPS
$0.12
Dividend yield
0.37%
Payout ratio
9.2%
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 8% higher than its total liabilities
Live Oak Bancshares's total liabilities has increased by 19% YoY and by 5% from the previous quarter
The company's total assets rose by 18% YoY and by 5% QoQ
The debt is 89% less than the equity
Live Oak Bancshares's debt to equity has decreased by 15% YoY
The equity has grown by 11% 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.