LOB Live Oak Bancshares Inc

Price (delayed)

$70.65

Market cap

$3.06B

P/E Ratio

17.89

Dividend/share

$0.12

EPS

$3.95

Enterprise value

$3.63B

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 gross profit has surged by 105% year-on-year and by 26% since the previous quarter
LOB's revenue has surged by 105% year-on-year and by 26% since the previous quarter

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
43.31M
Market cap
$3.06B
Enterprise value
$3.63B
Valuations
Price to earnings (P/E)
17.89
Price to book (P/B)
4.63
Price to sales (P/S)
7.84
EV/EBIT
20.46
EV/EBITDA
18.29
EV/Sales
9.34
Earnings
Revenue
$388.21M
EBIT
$177.3M
EBITDA
$198.36M
Free cash flow
-$315.57M
Per share
EPS
$3.95
Free cash flow per share
-$7.32
Book value per share
$15.25
Revenue per share
$9.01
TBVPS
$190.38
Balance sheet
Total assets
$8.24B
Total liabilities
$7.59B
Debt
$1.01B
Equity
$657.35M
Working capital
N/A
Liquidity
Debt to equity
1.54
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.86
Margins
EBITDA margin
51.1%
Gross margin
100%
Net margin
42.9%
Operating margin
46.5%
Efficiency
Return on assets
2%
Return on equity
27.7%
Return on invested capital
2%
Return on capital employed
N/A
Return on sales
45.7%
Dividend
Dividend yield
0.17%
DPS
$0.12
Payout ratio
3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
1.23%
1 week
5.92%
1 month
25%
1 year
117.25%
YTD
48.86%
QTD
11.03%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$388.21M
Gross profit
$388.21M
Operating income
$180.42M
Net income
$166.38M
Gross margin
100%
Net margin
42.9%
The gross profit has surged by 105% year-on-year and by 26% since the previous quarter
LOB's revenue has surged by 105% year-on-year and by 26% since the previous quarter
The operating income has soared by 65% from the previous quarter
The net income has soared by 56% from 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
17.89
P/B
4.63
P/S
7.84
EV/EBIT
20.46
EV/EBITDA
18.29
EV/Sales
9.34
The EPS has soared by 54% from the previous quarter
LOB's P/E is 40% below its 5-year quarterly average of 29.7 and 30% below its last 4 quarters average of 25.6
LOB's P/B is 101% above its 5-year quarterly average of 2.3 and 32% above its last 4 quarters average of 3.5
The equity has grown by 20% YoY and by 11% from the previous quarter
LOB's revenue has surged by 105% year-on-year and by 26% since the previous quarter
The stock's P/S is 63% above its 5-year quarterly average of 4.8 and 10% above its last 4 quarters average of 7.1

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has soared by 67% from the previous quarter
The ROA has soared by 54% from the previous quarter
The ROE is up by 49% since the previous quarter
The ROS is up by 32% from the previous quarter

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.17%
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 decreased by 3.1% from the previous quarter
The company's total assets fell by 2.1% QoQ
The debt is 54% more than the equity
Live Oak Bancshares's debt to equity has plunged by 51% YoY and by 38% from the previous quarter
The debt has contracted by 41% YoY and by 31% from the previous quarter

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