LOB Live Oak Bancshares Inc
Price (delayed)
$24.22
Market cap
$1.1B
P/E Ratio
14.08
Dividend/share
$0.12
EPS
$1.72
Enterprise value
$607.36M
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
LOB's P/E is 36% below its 5-year quarterly average of 22.0 and 30% below its last 4 quarters average of 20.2
The equity has grown by 11% YoY
The EPS is down by 8% from the previous quarter but it is up by 3% YoY
The net income has decreased by 7% from the previous quarter but it has increased by 4.8% YoY
The gross profit has declined by 3.9% since the previous quarter
LOB's revenue is down by 3.9% since the previous quarter
Key stats
What are the main financial stats of LOB
Market
Valuations
Earnings
Shares outstanding
45.57M
Market cap
$1.1B
Enterprise value
$607.36M
Price to earnings (P/E)
14.08
Price to book (P/B)
1.1
Price to sales (P/S)
2.71
EV/EBIT
6.8
EV/EBITDA
5.4
EV/Sales
1.51
Revenue
$403.47M
Gross profit
$403.47M
Operating income
$89.77M
Net income
$77.47M
EBIT
$89.29M
EBITDA
$112.57M
Free cash flow
$531.8M
Per share
Balance sheet
Liquidity
EPS
$1.72
EPS diluted
$1.69
Free cash flow per share
$11.77
Book value per share
$22.11
Revenue per share
$8.93
TBVPS
$285.18
Total assets
$12.94B
Total liabilities
$11.94B
Debt
$112.82M
Equity
$999.03M
Working capital
N/A
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.41
Margins
Efficiency
Dividend
EBITDA margin
27.9%
Gross margin
100%
Net margin
19.2%
Operating margin
22.2%
Return on assets
0.6%
Return on equity
8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
22.1%
Dividend yield
0.5%
DPS
$0.12
Payout ratio
7%
LOB stock price
How has the Live Oak Bancshares stock price performed over time
Intraday
1.34%
1 week
1.98%
1 month
-14.63%
1 year
-33.97%
YTD
-38.76%
QTD
-9.15%
Financial performance
How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$403.47M
Gross profit
$403.47M
Operating income
$89.77M
Net income
$77.47M
Gross margin
100%
Net margin
19.2%
The operating income has contracted by 17% from the previous quarter and by 8% YoY
Live Oak Bancshares's operating margin has decreased by 14% from the previous quarter and by 8% YoY
The net income has decreased by 7% from the previous quarter but it has increased by 4.8% YoY
The net margin has grown by 5% YoY but it has contracted by 4% 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
14.08
P/B
1.1
P/S
2.71
EV/EBIT
6.8
EV/EBITDA
5.4
EV/Sales
1.51
LOB's P/E is 36% below its 5-year quarterly average of 22.0 and 30% below its last 4 quarters average of 20.2
The EPS is down by 8% from the previous quarter but it is up by 3% YoY
LOB's P/B is 56% below its 5-year quarterly average of 2.5 and 42% below its last 4 quarters average of 1.9
The equity has grown by 11% YoY
The stock's P/S is 44% below its 5-year quarterly average of 4.8 and 38% below its last 4 quarters average of 4.4
LOB's revenue is down by 3.9% since the previous quarter
Efficiency
How efficient is Live Oak Bancshares business performance
The ROA has contracted by 14% from the previous quarter and by 14% YoY
The ROE has declined by 9% since the previous quarter and by 8% year-on-year
The ROS is up by 8% YoY
Dividends
What is LOB's dividend history
DPS
$0.12
Dividend yield
0.5%
Payout ratio
7%
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 15% YoY and by 2.9% from the previous quarter
The company's total assets rose by 15% YoY and by 2.7% QoQ
The debt is 89% less than the equity
The equity has grown by 11% YoY
The debt has contracted by 2.2% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.