Live Oak Bancshares Inc. (LOB)
Live Oak Bancshares Statistics
Share Statistics
Live Oak Bancshares has 45.59M shares outstanding. The number of shares has increased by 0.49% in one year.
| Shares Outstanding | 45.59M |
| Shares Change (YoY) | 0.49% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | 67.33% |
| Shares Floating | 34.89M |
| Failed to Deliver (FTD) Shares | 83 |
| FTD / Avg. Volume | 0.03% |
Short Selling Information
The latest short interest is 1.21M, so 2.66% of the outstanding shares have been sold short.
| Short Interest | 1.21M |
| Short % of Shares Out | 2.66% |
| Short % of Float | 3.47% |
| Short Ratio (days to cover) | 6.27 |
Valuation Ratios
The PE ratio is 23.01 and the forward PE ratio is 6.98. Live Oak Bancshares's PEG ratio is 7.69.
| PE Ratio | 23.01 |
| Forward PE | 6.98 |
| PS Ratio | 2.19 |
| Forward PS | 1.6 |
| PB Ratio | 1.78 |
| P/FCF Ratio | -247.42 |
| PEG Ratio | 7.69 |
Enterprise Valuation
Live Oak Bancshares has an Enterprise Value (EV) of 1.29B.
| EV / Sales | 1.58 |
| EV / EBITDA | 0 |
| EV / EBIT | -178.58 |
| EV / FCF | -178.58 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.11.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.11 |
| Debt / EBITDA | - |
| Debt / FCF | -15.66 |
| Interest Coverage | 1.84 |
Financial Efficiency
Return on Equity is 7.75% and Return on Invested Capital is 32.77%.
| Return on Equity | 7.75% |
| Return on Assets | 0.6% |
| Return on Invested Capital | 32.77% |
| Revenue Per Employee | $805.92K |
| Profits Per Employee | $76.86K |
| Employee Count | 1,008 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 11.82M |
| Effective Tax Rate | 13.24% |
Stock Price Statistics
The stock price has increased by -35.06% in the last 52 weeks. The beta is 1.75, so Live Oak Bancshares's price volatility has been higher than the market average.
| Beta | 1.75 |
| 52-Week Price Change | -35.06% |
| 50-Day Moving Average | 29.42 |
| 200-Day Moving Average | 39.29 |
| Relative Strength Index (RSI) | 35.63 |
| Average Volume (20 Days) | 330.75K |
Income Statement
In the last 12 months, Live Oak Bancshares had revenue of 812.37M and earned 77.47M in profits. Earnings per share was 1.72.
| Revenue | 812.37M |
| Gross Profit | 812.37M |
| Operating Income | 801.22M |
| Net Income | 77.47M |
| EBITDA | 0 |
| EBIT | -23.28M |
| Earnings Per Share (EPS) | 1.72 |
Balance Sheet
The company has 608.8M in cash and 112.82M in debt, giving a net cash position of 495.98M.
| Cash & Cash Equivalents | 608.8M |
| Total Debt | 112.82M |
| Net Cash | 495.98M |
| Retained Earnings | 715.77M |
| Total Assets | 12.94B |
| Working Capital | 634.39M |
Cash Flow
In the last 12 months, operating cash flow was -7.21M and capital expenditures 0, giving a free cash flow of -7.21M.
| Operating Cash Flow | -7.21M |
| Capital Expenditures | 0 |
| Free Cash Flow | -7.21M |
| FCF Per Share | -0.16 |
Margins
Gross margin is 100%, with operating and profit margins of 98.63% and 9.54%.
| Gross Margin | 100% |
| Operating Margin | 98.63% |
| Pretax Margin | 10.98% |
| Profit Margin | 9.54% |
| EBITDA Margin | n/a |
| EBIT Margin | 98.63% |
| FCF Margin | -0.89% |
Dividends & Yields
LOB pays an annual dividend of $0.15, which amounts to a dividend yield of 0.37%.
| Dividend Per Share | $0.15 |
| Dividend Yield | 0.37% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 8.88% |
| Earnings Yield | 4.35% |
| FCF Yield | -0.4% |
Analyst Forecast
The average price target for LOB is $44.5, which is 85.8% higher than the current price. The consensus rating is "Hold".
| Price Target | $44.5 |
| Price Target Difference | 85.8% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
Scores
| Altman Z-Score | 0.22 |
| Piotroski F-Score | 4 |