Live Oak Bancshares Inc. (LOB)
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44.19
-0.01%
After-hours Dec 13, 2024, 07:00 PM EST

Live Oak Bancshares Statistics

Share Statistics

Live Oak Bancshares has 45.19M shares outstanding. The number of shares has increased by 1.51% in one year.

Shares Outstanding 45.19M
Shares Change (YoY) n/a
Shares Change (QoQ) 0.15%
Owned by Institutions (%) n/a
Shares Floating 34.45M
Failed to Deliver (FTD) Shares 10
FTD / Avg. Volume 0%

Short Selling Information

The latest short interest is 971.54K, so 2.15% of the outstanding shares have been sold short.

Short Interest 971.54K
Short % of Shares Out 2.15%
Short % of Float 2.82%
Short Ratio (days to cover) 5.67

Valuation Ratios

The PE ratio is 27.31 and the forward PE ratio is 16.97. Live Oak Bancshares 's PEG ratio is 0.4.

PE Ratio 27.31
Forward PE 16.97
PS Ratio 16.89
Forward PS 3.5
PB Ratio 2.24
P/FCF Ratio 3.52
PEG Ratio 0.4
Financial Ratio History

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, with a Debt / Equity ratio of 0.03.

Current Ratio 0
Quick Ratio 0
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 -0.54% 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 -0.54%
50-Day Moving Average 46.03
200-Day Moving Average 40.67
Relative Strength Index (RSI) 43.21
Average Volume (20 Days) 201.38K

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
Full Income Statement

Balance Sheet

The company has $582.54M in cash and $23.35M in debt, giving a net cash position of $559.19M.

Cash & Cash Equivalents 582.54M
Total Debt 23.35M
Net Cash 559.19M
Retained Earnings 642.82M
Total Assets 12.61B
Working Capital 1.64B
Full Balance Sheet

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
Full Cash Flow Statement

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 0.27%.

Dividend Per Share $0.12
Dividend Yield 0.27%
Dividend Growth (YoY) 0%
Payout Ratio 6.52%
Earnings Yield 3.78%
FCF Yield 28.7%
Dividend Details

Analyst Forecast

The average price target for LOB is $45.5, which is 2.9% higher than the current price. The consensus rating is "Buy".

Price Target $45.5
Price Target Difference 2.9%
Analyst Consensus Buy
Analyst Count 4
Stock Forecasts

Scores

Altman Z-Score 0.38
Piotroski F-Score 5