LOB Live Oak Bancshares Inc

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

Price (delayed)

$39.87

Market cap

$1.78B

P/E Ratio

23.87

Dividend/share

$0.12

EPS

$1.67

Enterprise value

$1.23B

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 plunged by 72% YoY and by 10% from the previous quarter
The equity has grown by 11% YoY and by 6% from the previous quarter
The net income has plunged by 58% YoY but it has increased by 24% from the previous quarter
The EPS has plunged by 58% YoY but it is up by 25% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Peers: NRIM NKSH

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
44.77M
Market cap
$1.78B
Enterprise value
$1.23B
Valuations
Price to earnings (P/E)
23.87
Price to book (P/B)
1.96
Price to sales (P/S)
4.37
EV/EBIT
14.8
EV/EBITDA
11.77
EV/Sales
3.02
Earnings
Revenue
$405.72M
EBIT
$82.83M
EBITDA
$104.1M
Free cash flow
$591.92M
Per share
EPS
$1.67
Free cash flow per share
$13.31
Book value per share
$20.29
Revenue per share
$9.12
TBVPS
$252.3
Balance sheet
Total assets
$11.27B
Total liabilities
$10.37B
Debt
$23.35M
Equity
$902.67M
Working capital
N/A
Liquidity
Debt to equity
0.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.37
Margins
EBITDA margin
25.7%
Gross margin
100%
Net margin
18.2%
Operating margin
24%
Efficiency
Return on assets
0.7%
Return on equity
8.7%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
20.4%
Dividend
Dividend yield
0.3%
DPS
$0.12
Payout ratio
7.2%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
1.55%
1 week
8.7%
1 month
-0.18%
1 year
67.38%
YTD
-12.37%
QTD
-3.95%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$405.72M
Gross profit
$405.72M
Operating income
$97.47M
Net income
$73.9M
Gross margin
100%
Net margin
18.2%
The net income has plunged by 58% YoY but it has increased by 24% from the previous quarter
The operating income has plunged by 57% YoY but it has grown by 31% from the previous quarter
The net margin has contracted by 46% YoY but it has grown by 16% from the previous quarter
Live Oak Bancshares's operating margin has decreased by 44% YoY but it has increased by 22% from the previous quarter

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
23.87
P/B
1.96
P/S
4.37
EV/EBIT
14.8
EV/EBITDA
11.77
EV/Sales
3.02
The EPS has plunged by 58% YoY but it is up by 25% from the previous quarter
LOB's P/E is 28% above its last 4 quarters average of 18.7 but 9% below its 5-year quarterly average of 26.1
LOB's P/B is 23% above its last 4 quarters average of 1.6 but 15% below its 5-year quarterly average of 2.3
The equity has grown by 11% YoY and by 6% from the previous quarter
The stock's P/S is 29% above its last 4 quarters average of 3.4 but 7% below its 5-year quarterly average of 4.7
LOB's revenue is down by 23% year-on-year but it is up by 7% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has plunged by 67% YoY but it has increased by 14% from the previous quarter
The ROA has plunged by 63% YoY but it has grown by 17% from the previous quarter
The ROE has dropped by 62% year-on-year but it is up by 21% since the previous quarter
The ROS is down by 49% YoY but it is up by 17% from the previous quarter

Dividends

What is LOB's dividend history
Dividend details
DPS
$0.12
Dividend yield
0.3%
Payout ratio
7.2%
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 15% YoY and by 2.7% from the previous quarter
The company's total assets rose by 14% YoY and by 2.9% QoQ
The debt is 97% less than the equity
The debt has plunged by 72% YoY and by 10% from the previous quarter
Live Oak Bancshares's debt to equity has plunged by 70% YoY

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