LOB Live Oak Bancshares Inc

Price (delayed)

$33.265

Market cap

$1.46B

P/E Ratio

8.89

Dividend/share

$0.12

EPS

$3.74

Enterprise value

$1.14B

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 87% YoY and by 38% from the previous quarter
LOB's P/E is 65% below its 5-year quarterly average of 25.7 and 47% below its last 4 quarters average of 16.9
The net income has soared by 52% YoY but it has decreased by 2.9% from the previous quarter
The EPS is up by 46% YoY but it is down by 3.4% from the previous quarter

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
43.8M
Market cap
$1.46B
Enterprise value
$1.14B
Valuations
Price to earnings (P/E)
8.89
Price to book (P/B)
2.04
Price to sales (P/S)
3.24
EV/EBIT
5.44
EV/EBITDA
4.93
EV/Sales
2.55
Earnings
Revenue
$448.51M
EBIT
$210.08M
EBITDA
$231.58M
Free cash flow
$52.94M
Per share
EPS
$3.74
Free cash flow per share
$1.21
Book value per share
$16.32
Revenue per share
$10.26
TBVPS
$196.35
Balance sheet
Total assets
$8.62B
Total liabilities
$7.91B
Debt
$196.91M
Equity
$713.33M
Working capital
N/A
Liquidity
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.36
Margins
EBITDA margin
51.6%
Gross margin
100%
Net margin
36.1%
Operating margin
46.9%
Efficiency
Return on assets
2%
Return on equity
23.4%
Return on invested capital
2.5%
Return on capital employed
N/A
Return on sales
46.8%
Dividend
Dividend yield
0.36%
DPS
$0.12
Payout ratio
3.2%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
-0.4%
1 week
-1.84%
1 month
-16.84%
1 year
-42.49%
YTD
-61.89%
QTD
-1.84%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$448.51M
Gross profit
$448.51M
Operating income
$210.14M
Net income
$162.08M
Gross margin
100%
Net margin
36.1%
The operating income has soared by 92% YoY
The net income has soared by 52% YoY but it has decreased by 2.9% from the previous quarter
LOB's revenue is up by 46% year-on-year
The gross profit has increased by 46% year-on-year

Growth

What is Live Oak Bancshares's growth rate over time

Valuation

What is Live Oak Bancshares stock price valuation
P/E
8.89
P/B
2.04
P/S
3.24
EV/EBIT
5.44
EV/EBITDA
4.93
EV/Sales
2.55
LOB's P/E is 65% below its 5-year quarterly average of 25.7 and 47% below its last 4 quarters average of 16.9
The EPS is up by 46% YoY but it is down by 3.4% from the previous quarter
LOB's P/B is 50% below its last 4 quarters average of 4.1 and 18% below its 5-year quarterly average of 2.5
The equity has grown by 21% YoY
The stock's P/S is 52% below its last 4 quarters average of 6.8 and 35% below its 5-year quarterly average of 5.0
LOB's revenue is up by 46% year-on-year

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has soared by 108% YoY and by 4.2% from the previous quarter
The ROA has soared by 54% YoY
The ROS is up by 35% YoY
The ROE is up by 26% year-on-year but it has declined by 7% since the previous quarter

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.36%
Payout ratio
3.2%
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
The company's total assets rose by 5% QoQ and by 2.4% YoY
Live Oak Bancshares's total liabilities has increased by 5% from the previous quarter
The debt is 72% less than the equity
Live Oak Bancshares's debt to equity has plunged by 89% YoY and by 38% from the previous quarter
The debt has plunged by 87% YoY and by 38% from the previous quarter

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