LOB Live Oak Bancshares, Inc.

Price (delayed)

$41.02

Market cap

$1.67B

P/E Ratio

45.58

Dividend/share

$0.12

EPS

$0.9

Enterprise value

$2.78B

Sector: Financial Services
Industry: Banks - Regional
Live Oak Bancshares, Inc. operates as a bank holding company for Live Oak Banking Company, which operates an established national online platform for small business lending. It is focused on lending to small businesses and professionals in the veterinary practices, healthcare services, independent pharmacies, death care management, investment advisors, family entertainment centers and poultry agriculture regions. The company was founded by James S. Mahan III in December 2008 and is headquartered in Wilmington, NC.

Highlights

The net income has soared by 70% YoY
The EPS has soared by 67% YoY
LOB's P/E is 49% above its 5-year quarterly average of 30.6 but 16% below 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
$1.67B
Enterprise value
$2.78B
Valuations
Price to earnings (P/E)
45.58
Price to book (P/B)
2.85
Price to sales (P/S)
7.26
EV/EBIT
62.69
EV/EBITDA
41.74
EV/Sales
12.12
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
0.29%
DPS
$0.12
Payout ratio
13.3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
-7.36%
1 week
-8.62%
1 month
10.03%
1 year
124.77%
YTD
115.78%
QTD
61.94%

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
45.58
P/B
2.85
P/S
7.26
EV/EBIT
62.69
EV/EBITDA
41.74
EV/Sales
12.12
The EPS has soared by 67% YoY
LOB's P/E is 49% above its 5-year quarterly average of 30.6 but 16% below its last 4 quarters average of 54.5
LOB's P/B is 119% above its last 4 quarters average of 1.3 and 36% above its 5-year quarterly average of 2.1
The equity has grown by 11% YoY and by 7% from the previous quarter
The stock's P/S is 102% above its last 4 quarters average of 3.6 and 73% 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
0.29%
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.