LOB Live Oak Bancshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: LOB

Price (delayed)

$45.66

Market cap

$2.05B

P/E Ratio

20.03

Dividend/share

$0.12

EPS

$2.28

Enterprise value

$1.58B

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 25% below its 5-year quarterly average of 25.9 and 9% below its last 4 quarters average of 21.4
The equity has grown by 13% YoY and by 2.8% from the previous quarter
The net income has increased by 37% from the previous quarter but it has decreased by 29% YoY
The EPS is up by 37% from the previous quarter but it is down by 30% YoY
Sector: Financial Services
Industry: Banks - Regional
Peers: NKSH NRIM NIC

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
44.97M
Market cap
$2.05B
Enterprise value
$1.58B
Valuations
Price to earnings (P/E)
20.03
Price to book (P/B)
2.2
Price to sales (P/S)
4.83
EV/EBIT
15.55
EV/EBITDA
12.88
EV/Sales
3.73
Earnings
Revenue
$422.98M
EBIT
$101.32M
EBITDA
$122.38M
Free cash flow
$514.06M
Per share
EPS
$2.28
Free cash flow per share
$11.48
Book value per share
$20.72
Revenue per share
$9.45
TBVPS
$255.9
Balance sheet
Total assets
$11.51B
Total liabilities
$10.58B
Debt
$120.24M
Equity
$927.72M
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.9
Margins
EBITDA margin
28.9%
Gross margin
100%
Net margin
23.9%
Operating margin
27.4%
Efficiency
Return on assets
0.9%
Return on equity
11.5%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
24%
Dividend
Dividend yield
0.26%
DPS
$0.12
Payout ratio
5.3%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
2.61%
1 week
8.1%
1 month
35.81%
1 year
27.68%
YTD
0.35%
QTD
30.23%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$422.98M
Gross profit
$422.98M
Operating income
$115.9M
Net income
$101.09M
Gross margin
100%
Net margin
23.9%
The operating income has contracted by 38% YoY but it has grown by 19% from the previous quarter
The net income has increased by 37% from the previous quarter but it has decreased by 29% YoY
The net margin has grown by 31% from the previous quarter but it has contracted by 16% YoY
Live Oak Bancshares's operating margin has decreased by 27% YoY but it has increased by 14% from the previous quarter

Growth

What is Live Oak Bancshares's growth rate over time

Valuation

What is Live Oak Bancshares stock price valuation
LOB P/E details
P/E
20.03
P/B
2.2
P/S
4.83
EV/EBIT
15.55
EV/EBITDA
12.88
EV/Sales
3.73
The EPS is up by 37% from the previous quarter but it is down by 30% YoY
LOB's P/E is 25% below its 5-year quarterly average of 25.9 and 9% below its last 4 quarters average of 21.4
LOB's P/B is 19% above its last 4 quarters average of 1.8 but 10% below its 5-year quarterly average of 2.4
The equity has grown by 13% YoY and by 2.8% from the previous quarter
The stock's P/S is 21% above its last 4 quarters average of 3.9
LOB's revenue is down by 15% year-on-year but it is up by 4.3% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has decreased by 47% YoY but it has increased by 25% from the previous quarter
The ROA has contracted by 40% YoY but it has grown by 29% from the previous quarter
The ROE has declined by 35% year-on-year but it is up by 32% since the previous quarter
The ROS is down by 30% YoY but it is up by 18% from the previous quarter

Dividends

What is LOB's dividend history
Dividend details
DPS
$0.12
Dividend yield
0.26%
Payout ratio
5.3%
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 increased by 11% YoY and by 2% from the previous quarter
The company's total assets rose by 11% YoY and by 2.1% QoQ
The debt is 87% less than the equity
The equity has grown by 13% YoY and by 2.8% from the previous quarter

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