Shares Outstanding Shares Outstanding n/a Close	45.61M
Shares Change (YoY) Shares Change (YoY) n/a Close	0.49%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	67.33%
Shares Floating Shares Floating n/a Close	34.87M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	14,357
FTD / Avg. Volume FTD / Avg. Volume n/a Close	3.86%

Short Selling Information

The latest short interest is 1.63M, so 3.57% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	1.63M
Short % of Shares Out Short % of Shares Out n/a Close	3.57%
Short % of Float Short % of Float n/a Close	5.7%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	7.38

Valuation Ratios

The PE ratio is 22.98 and the forward PE ratio is 8.73. Live Oak Bancshares's PEG ratio is 7.67.

PE Ratio PE Ratio n/a Close	22.98
Forward PE Forward PE n/a Close	8.73
PS Ratio PS Ratio n/a Close	2.19
Forward PS Forward PS n/a Close	1.9
PB Ratio PB Ratio n/a Close	1.78
P/FCF Ratio P/FCF Ratio n/a Close	3.65
PEG Ratio PEG Ratio n/a Close	7.67

Financial Ratio History

Enterprise Valuation

Live Oak Bancshares has an Enterprise Value (EV) of 1.28B.

EV / Sales EV / Sales n/a Close	1.58
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	2.39
EV / FCF EV / FCF n/a Close	2.64

Financial Position

The company has a current ratio of 0.39, with a Debt / Equity ratio of 0.11.

Current Ratio Current Ratio n/a Close	0.39
Quick Ratio Quick Ratio n/a Close	0.39
Debt / Equity Debt / Equity n/a Close	0.11
Debt / EBITDA Debt / EBITDA n/a Close	n/a
Debt / FCF Debt / FCF n/a Close	0.23
Interest Coverage Interest Coverage n/a Close	1.84

Financial Efficiency

Return on Equity is 7.75% and Return on Invested Capital is -26.38%.

Return on Equity Return on Equity n/a Close	7.75%
Return on Assets Return on Assets n/a Close	0.6%
Return on Invested Capital Return on Invested Capital n/a Close	-26.38%
Revenue Per Employee Revenue Per Employee n/a Close	$805,924.6
Profits Per Employee Profits Per Employee n/a Close	$76,859.13
Employee Count Employee Count n/a Close	1,008
Asset Turnover Asset Turnover n/a Close	0.06
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	11.82M
Effective Tax Rate Effective Tax Rate n/a Close	13.24%

Stock Price Statistics

The stock price has increased by -14.18% in the last 52 weeks. The beta is 1.85, so Live Oak Bancshares's price volatility has been higher than the market average.

Beta Beta n/a Close	1.85
52-Week Price Change 52-Week Price Change n/a Close	-14.18%
50-Day Moving Average 50-Day Moving Average n/a Close	26.58
200-Day Moving Average 200-Day Moving Average n/a Close	36.67
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	50.52
Average Volume (20 Days) Average Volume (20 Days) n/a Close	372,176

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 Revenue n/a Close	812.37M
Gross Profit Gross Profit n/a Close	812.37M
Operating Income Operating Income n/a Close	801.22M
Net Income Net Income n/a Close	77.47M
EBITDA EBITDA n/a Close	n/a
EBIT EBIT n/a Close	-23.28M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	1.72

Full Income Statement

Balance Sheet

The company has 609.05M in cash and 112.82M in debt, giving a net cash position of 496.23M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	609.05M
Total Debt Total Debt n/a Close	112.82M
Net Cash Net Cash n/a Close	496.23M
Retained Earnings Retained Earnings n/a Close	715.77M
Total Assets Total Assets n/a Close	12.94B
Working Capital Working Capital n/a Close	634.39M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 536.47M and capital expenditures -49.31M, giving a free cash flow of 487.16M.

Operating Cash Flow Operating Cash Flow n/a Close	536.47M
Capital Expenditures Capital Expenditures n/a Close	-49.31M
Free Cash Flow Free Cash Flow n/a Close	487.16M
FCF Per Share FCF Per Share n/a Close	10.82

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 98.63% and 9.54%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	98.63%
Pretax Margin Pretax Margin n/a Close	10.98%
Profit Margin Profit Margin n/a Close	9.54%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	98.63%
FCF Margin FCF Margin n/a Close	59.97%

Dividends & Yields

LOB pays an annual dividend of $0.15, which amounts to a dividend yield of 0.43%.

Dividend Per Share Dividend Per Share n/a Close	$0.15
Dividend Yield Dividend Yield n/a Close	0.43%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	11.54%
Earnings Yield Earnings Yield n/a Close	4.35%
FCF Yield FCF Yield n/a Close	27.37%

Dividend Details

Analyst Forecast

The average price target for LOB is $45, which is 61.6% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$45
Price Target Difference Price Target Difference n/a Close	61.6%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	4

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$8.6
Lynch Upside Lynch Upside n/a Close	-69.12%
Graham Number Graham Number n/a Close	29.32
Graham Upside Graham Upside n/a Close	5.28%

Scores

Altman Z-Score Altman Z-Score n/a Close	0.25
Piotroski F-Score Piotroski F-Score n/a Close	4