LOB Live Oak Bancshares Inc

Price (delayed)

$58.51

Market cap

$2.52B

P/E Ratio

22.86

Dividend/share

$0.12

EPS

$2.56

Enterprise value

$3.35B

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 79% from the previous quarter
The EPS has soared by 75% from the previous quarter

Key stats

What are the main financial stats of LOB
Market
Shares outstanding
43.11M
Market cap
$2.52B
Enterprise value
$3.35B
Valuations
Price to earnings (P/E)
22.86
Price to book (P/B)
4.23
Price to sales (P/S)
8.12
EV/EBIT
31.45
EV/EBITDA
26.2
EV/Sales
10.87
Earnings
Revenue
$307.83M
EBIT
$106.38M
EBITDA
$127.71M
Free cash flow
-$222.92M
Per share
EPS
$2.56
Free cash flow per share
-$5.22
Book value per share
$13.82
Revenue per share
$7.2
TBVPS
$196.13
Balance sheet
Total assets
$8.42B
Total liabilities
$7.83B
Debt
$1.47B
Equity
$590.36M
Working capital
N/A
Liquidity
Debt to equity
2.48
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.45
Margins
EBITDA margin
41.5%
Gross margin
100%
Net margin
34.6%
Operating margin
35.6%
Efficiency
Return on assets
1.3%
Return on equity
18.6%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
34.6%
Dividend
Dividend yield
0.21%
DPS
$0.12
Payout ratio
4.7%

LOB stock price

How has the Live Oak Bancshares stock price performed over time
Intraday
-2.79%
1 week
-4.27%
1 month
-1.5%
1 year
243.97%
YTD
23.28%
QTD
-0.83%

Financial performance

How have Live Oak Bancshares's revenue and profit performed over time
Revenue
$307.83M
Gross profit
$307.83M
Operating income
$109.5M
Net income
$106.57M
Gross margin
100%
Net margin
34.6%
The operating income has soared by 131% from the previous quarter
Live Oak Bancshares's operating margin has soared by 81% from the previous quarter
The net income has soared by 79% from the previous quarter
The gross profit has surged by 70% year-on-year and by 28% 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
22.86
P/B
4.23
P/S
8.12
EV/EBIT
31.45
EV/EBITDA
26.2
EV/Sales
10.87
The EPS has soared by 75% from the previous quarter
LOB's P/E is 47% below its last 4 quarters average of 43.2 and 26% below its 5-year quarterly average of 30.8
LOB's P/B is 92% above its 5-year quarterly average of 2.2 and 51% above its last 4 quarters average of 2.8
The equity has grown by 11% YoY and by 4% from the previous quarter
The stock's P/S is 73% above its 5-year quarterly average of 4.7 and 29% above its last 4 quarters average of 6.3
LOB's revenue has surged by 70% year-on-year and by 28% since the previous quarter

Efficiency

How efficient is Live Oak Bancshares business performance
Live Oak Bancshares's ROIC has soared by 100% from the previous quarter
The ROS has soared by 76% from the previous quarter
The ROE has soared by 74% since the previous quarter
The ROA has soared by 63% from the previous quarter

Dividends

What is LOB's dividend history
DPS
$0.12
Dividend yield
0.21%
Payout ratio
4.7%
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
Live Oak Bancshares's total liabilities has soared by 65% YoY and by 7% from the previous quarter
The company's total assets has surged by 60% YoY and by 7% QoQ
The debt is 148% more than the equity
The equity has grown by 11% YoY and by 4% from the previous quarter
Live Oak Bancshares's debt to equity has decreased by 9% from the previous quarter

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