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Last Update: 2024-03-28 02:11:26
Live Oak Bancshares Inc. ( LOB ) https://www.liveoakbank.com
39.59USD
Sector:
Financial Services
Industry:
Banks-Regional
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
31.15%
LOB
62.95%
SPY
32.74%
-41.43%
LOB
SPY
92.93%
LOB
180.57%
SPY
224.41%
LOB
0.00%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
1808.03
759.85
0.12
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
30.37
4.23
2.00
45.59
0.30
3.93
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
34.25
100.00
42.26
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
10.9467
4.03
3.05
1.79
Other Earnings and Cash Flow Stats:
Live Oak Bancshares Inc. ( LOB ) Net Income TTM ($MM) is 84.85
Live Oak Bancshares Inc. ( LOB ) Operating Income TTM ($MM) is 238.35
Live Oak Bancshares Inc. ( LOB ) Owners' Earnings Annual ($MM) is 311.57
Live Oak Bancshares Inc. ( LOB ) Current Price to Owners' Earnings ratio is 5.75
Live Oak Bancshares Inc. ( LOB ) EBITDA TTM ($MM) is 259.06
Live Oak Bancshares Inc. ( LOB ) EBITDA Margin is 42.26%
Capital Allocation:
Live Oak Bancshares Inc. ( LOB ) has paid 0.12 dividends per share and bought back -3.497495 million shares in the past 12 months
Live Oak Bancshares Inc. ( LOB ) has reduced its debt by 131.509 million USD in the last 12 months
Capital Structure:
Live Oak Bancshares Inc. ( LOB ) Interest-bearing Debt ($MM) as of last quarter is 51
Live Oak Bancshares Inc. ( LOB ) Annual Working Capital Investments ($MM) are -464
Live Oak Bancshares Inc. ( LOB ) Book Value ($MM) as of last quarter is 902
Live Oak Bancshares Inc. ( LOB ) Debt/Capital as of last quarter is 6%
Other Balance Sheet Stats:
Live Oak Bancshares Inc. ( LOB ) has 582 million in cash on hand as of last quarter
Live Oak Bancshares Inc. ( LOB ) has 9879 million of liabilities due within 12 months, and long term debt 25 as of last quarter
Live Oak Bancshares Inc. ( LOB ) has 45 common shares outstanding as of last quarter
Live Oak Bancshares Inc. ( LOB ) has 0 million USD of preferred stock value
Academic Scores:
Live Oak Bancshares Inc. ( LOB ) Altman Z-Score is -0.60 as of last quarter
Live Oak Bancshares Inc. ( LOB ) Piotroski Score is 5.00 as of last quarter
Corporate Governance:
Live Oak Bancshares Inc. ( LOB ) largest shareholder is Ameriprise Financial Inc owning 775191 shares at 30.69 ($MM) value
William Henderson Cameron(an insider) Bought 1000 shares of Live Oak Bancshares Inc. ( LOB ) for the amount of $30450.00 on 2022-12-15
24.75% of Live Oak Bancshares Inc. ( LOB ) is held by insiders, and 66.47% is held by institutions
Live Oak Bancshares Inc. ( LOB ) went public on 2015-07-23
Other Live Oak Bancshares Inc. ( LOB ) financial metrics:
FCF:74.25
Unlevered Free Cash Flow:616.03
EPS:3.52
Operating Margin:34.25
Gross Profit Margin:100.00
Div. Payout Ratio%:9.13
Div. Growth YoY%:0.00
Equity Return%:17.63
Beta:1.79
Buffet's Owners Earnings:311.57
Price to Owner's Earnings:5.75
About Live Oak Bancshares Inc. ( LOB ) :
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. It operates in two segments, Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, certificate of deposits, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, it provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. The company was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
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