LOB Live Oak Bancshares Inc

Price (delayed)

$53.68

Market cap

$2.18B

P/E Ratio

59.64

Dividend/share

$0.12

EPS

$0.9

Enterprise value

$3.29B

Sector: Financial Services
Industry: Banks - Regional

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 net income has soared by 70% YoY
The EPS has soared by 67% YoY
LOB's P/E is 92% above its 5-year quarterly average of 31.1 and 9% above its last 4 quarters average of 54.5

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
40.64M
Market cap
$2.18B
Enterprise value
$3.29B
Valuations
Price to earnings (P/E)
59.64
Price to book (P/B)
3.72
Price to sales (P/S)
9.5
EV/EBIT
74.31
EV/EBITDA
49.48
EV/Sales
14.37
Earnings
Revenue
$228.92M
EBIT
$44.27M
EBITDA
$66.48M
Free cash flow
-$441.76M
Per share
EPS
$0.9
Free cash flow per share
-$10.9
Book value per share
$14.41
Revenue per share
$5.65
TBVPS
$198.74
Balance sheet
Total assets
$8.09B
Total liabilities
$7.51B
Debt
$1.75B
Equity
$584.16M
Working capital
N/A
Liquidity
Debt to equity
3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
16.67
Margins
EBITDA margin
29%
Gross margin
100%
Net margin
16.1%
Operating margin
19.3%
Efficiency
Return on assets
0.6%
Return on equity
6.7%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
19.3%
Dividend
Dividend yield
0.22%
DPS
$0.12
Payout ratio
13.3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
-6.68%
1 week
14.51%
1 month
11.74%
1 year
219.71%
YTD
13.11%
QTD
13.11%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$228.92M
Gross profit
$228.92M
Operating income
$44.27M
Net income
$36.79M
Gross margin
100%
Net margin
16.1%
The operating income has soared by 96% YoY
The net income has soared by 70% YoY
Live Oak Bancshares's operating margin has increased by 50% YoY
The gross profit has increased by 31% year-on-year and by 21% since 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
59.64
P/B
3.72
P/S
9.5
EV/EBIT
74.31
EV/EBITDA
49.48
EV/Sales
14.37
LOB's P/E is 92% above its 5-year quarterly average of 31.1 and 9% above its last 4 quarters average of 54.5
The EPS has soared by 67% YoY
LOB's P/B is 186% above its last 4 quarters average of 1.3 and 86% above its 5-year quarterly average of 2.0
The equity has grown by 11% YoY and by 7% from the previous quarter
The stock's P/S is 164% above its last 4 quarters average of 3.6 and 126% above its 5-year quarterly average of 4.2
LOB's revenue is up by 31% year-on-year and by 21% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
The ROE has soared by 56% year-on-year
The ROS has soared by 53% YoY
The ROA has grown by 20% YoY
Live Oak Bancshares's ROIC has increased by 17% YoY

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.22%
Payout ratio
13.3%
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
The debt is 200% more than the equity
The equity has grown by 11% YoY and by 7% from the previous quarter

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