Live Oak Bancshares Inc. (LOB)
Live Oak Bancshares Statistics
Share Statistics
Live Oak Bancshares has 45.19M shares outstanding. The number of shares has increased by 0.94% in one year.
| Shares Outstanding | 45.19M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.34% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 34.45M |
| Failed to Deliver (FTD) Shares | 302 |
| FTD / Avg. Volume | 0.15% |
Short Selling Information
The latest short interest is 1.15M, so 2.54% of the outstanding shares have been sold short.
| Short Interest | 1.15M |
| Short % of Shares Out | 2.54% |
| Short % of Float | 3.33% |
| Short Ratio (days to cover) | 6.09 |
Valuation Ratios
The PE ratio is 27.31 and the forward PE ratio is 16.97. Live Oak Bancshares 's PEG ratio is 0.26.
| PE Ratio | 27.31 |
| Forward PE | 16.97 |
| PS Ratio | 16.89 |
| Forward PS | 2.4 |
| PB Ratio | 2.24 |
| P/FCF Ratio | 3.52 |
| PEG Ratio | 0.26 |
Enterprise Valuation
Live Oak Bancshares Inc. has an Enterprise Value (EV) of 1.46B.
| EV / Earnings | 19.74 |
| EV / Sales | 12.21 |
| EV / EBITDA | 14.01 |
| EV / EBIT | 14.1 |
| EV / FCF | 2.54 |
Financial Position
The company has a current ratio of 0.02, with a Debt / Equity ratio of 0.03.
| Current Ratio | 0.02 |
| Quick Ratio | 0.02 |
| Debt / Equity | 0.03 |
| Total Debt / Capitalization | 2.52 |
| Cash Flow / Debt | 26.55 |
| Interest Coverage | 0.3 |
Financial Efficiency
Return on equity (ROE) is 0.08% and return on capital (ROIC) is 9.96%.
| Return on Equity (ROE) | 0.08% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 9.96% |
| Revenue Per Employee | 119.61K |
| Profits Per Employee | 73.97K |
| Employee Count | 999 |
| Asset Turnover | 0.01 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 8.93M |
| Effective Tax Rate | 0.11 |
Stock Price Statistics
The stock price has increased by -9.96% in the last 52 weeks. The beta is 1.63, so Live Oak Bancshares 's price volatility has been higher than the market average.
| Beta | 1.63 |
| 52-Week Price Change | -9.96% |
| 50-Day Moving Average | 42.73 |
| 200-Day Moving Average | 40.61 |
| Relative Strength Index (RSI) | 36.65 |
| Average Volume (20 Days) | 200.34K |
Income Statement
In the last 12 months, Live Oak Bancshares had revenue of 119.49M and earned 73.90M in profits. Earnings per share was 1.67.
| Revenue | 119.49M |
| Gross Profit | 119.49M |
| Operating Income | 103.47M |
| Net Income | 73.90M |
| EBITDA | 104.10M |
| EBIT | 103.47M |
| Earnings Per Share (EPS) | 1.67 |
Balance Sheet
The company has 582.79M in cash and 23.35M in debt, giving a net cash position of 559.44M.
| Cash & Cash Equivalents | 582.79M |
| Total Debt | 23.35M |
| Net Cash | 559.44M |
| Retained Earnings | 642.82M |
| Total Assets | 12.61B |
| Working Capital | 1.64B |
Cash Flow
In the last 12 months, operating cash flow was 620.07M and capital expenditures -46.84M, giving a free cash flow of 573.23M.
| Operating Cash Flow | 620.07M |
| Capital Expenditures | -46.84M |
| Free Cash Flow | 573.23M |
| FCF Per Share | 12.92 |
Margins
Gross margin is 100%, with operating and profit margins of 86.59% and 61.84%.
| Gross Margin | 100% |
| Operating Margin | 86.59% |
| Pretax Margin | 69.32% |
| Profit Margin | 61.84% |
| EBITDA Margin | 87.12% |
| EBIT Margin | 86.59% |
| FCF Margin | 479.72% |
Dividends & Yields
LOB pays an annual dividend of $0.12, which amounts to a dividend yield of 0.34%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.34% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 7.1% |
| Earnings Yield | 4.65% |
| FCF Yield | 35.34% |
Analyst Forecast
The average price target for LOB is $44.5, which is 24% higher than the current price. The consensus rating is "Hold".
| Price Target | $44.5 |
| Price Target Difference | 24% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
Scores
| Altman Z-Score | 0.35 |
| Piotroski F-Score | 4 |