Price (delayed)
$41.53
Market cap
$1.87B
P/E Ratio
16.75
Dividend/share
$0.12
EPS
$2.48
Enterprise value
$1.37B
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 77% YoY and by 9% from the previous quarter
The EPS has soared by 75% YoY and by 9% from the previous quarter
Key stats
What are the main financial stats of LOB
Market
Valuations
Earnings
Shares outstanding
45.04M
Market cap
$1.87B
Enterprise value
$1.37B
Price to earnings (P/E)
16.75
Price to book (P/B)
1.94
Price to sales (P/S)
4.23
EV/EBIT
11.59
EV/EBITDA
9.83
EV/Sales
3.11
Revenue
$441.27M
EBIT
$118.41M
EBITDA
$139.56M
Free cash flow
$473.46M
Per share
Balance sheet
Liquidity
EPS
$2.48
Free cash flow per share
$10.53
Book value per share
$21.37
Revenue per share
$9.81
TBVPS
$262.78
Total assets
$11.87B
Total liabilities
$10.91B
Debt
$117.75M
Equity
$961.05M
Working capital
N/A
Debt to equity
0.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.57
Margins
Efficiency
Dividend
EBITDA margin
31.6%
Gross margin
100%
Net margin
25%
Operating margin
30.1%
Return on assets
1%
Return on equity
12.1%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
26.8%
Dividend yield
0.29%
DPS
$0.12
Payout ratio
4.8%
LOB stock price
How has the Live Oak Bancshares stock price performed over time
Intraday
-0.14%
1 week
-3.4%
1 month
6.93%
1 year
33.92%
YTD
-8.73%
QTD
18.45%
Financial performance
How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$441.27M
Gross profit
$441.27M
Operating income
$132.98M
Net income
$110.51M
Gross margin
100%
Net margin
25%
The net income has soared by 77% YoY and by 9% from the previous quarter
The operating income has soared by 59% YoY and by 15% from the previous quarter
The net margin has soared by 56% YoY and by 4.6% from the previous quarter
Live Oak Bancshares's operating margin has increased by 40% YoY and by 10% 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
16.75
P/B
1.94
P/S
4.23
EV/EBIT
11.59
EV/EBITDA
9.83
EV/Sales
3.11
The EPS has soared by 75% YoY and by 9% from the previous quarter
LOB's P/E is 34% below its 5-year quarterly average of 25.4 and 17% below its last 4 quarters average of 20.3
LOB's P/B is 16% below its 5-year quarterly average of 2.3 but 8% above its last 4 quarters average of 1.8
The equity has grown by 15% YoY and by 3.6% from the previous quarter
LOB's revenue is up by 13% year-on-year and by 4.3% since the previous quarter
The stock's P/S is 8% below its 5-year quarterly average of 4.6 but 3.2% above its last 4 quarters average of 4.1
Efficiency
How efficient is Live Oak Bancshares business performance
The ROA has soared by 67% YoY and by 11% from the previous quarter
Live Oak Bancshares's ROIC has soared by 57% YoY and by 10% from the previous quarter
The ROE has soared by 57% year-on-year and by 5% since the previous quarter
The ROS has soared by 55% YoY and by 12% from the previous quarter
Dividends
What is LOB's dividend history
DPS
$0.12
Dividend yield
0.29%
Payout ratio
4.8%
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 9% higher than its total liabilities
The company's total assets rose by 10% YoY and by 3.2% QoQ
Live Oak Bancshares's total liabilities has increased by 9% YoY and by 3.1% from the previous quarter
The debt is 88% less than the equity
The equity has grown by 15% YoY and by 3.6% from the previous quarter
Live Oak Bancshares's debt to equity has decreased by 8% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.