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Live Oak Bancshares (LOB)
NYSE:LOB
Total Valuation
Live Oak Bancshares has a market cap or net worth of $1.29B. The enterprise value is $741.96M.
Market Cap$1.29B
Enterprise Value$741.96M
Share Statistics
Live Oak Bancshares has 45,607,983 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding45,607,983
Owned by Insiders16.64%
Owned by Institutions30.20%
Financial Efficiency
Live Oak Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is -26.38%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-26.38%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee805.92K
Profits Per Employee76.80K
Employee Count1,008
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Live Oak Bancshares is 22.98. Live Oak Bancshares’s PEG ratio is 4.34.
PE Ratio22.98
PS Ratio0.00
PB Ratio1.23
Price to Fair Value1.78
Price to FCF2.54
Price to Operating Cash Flow2.30
PEG Ratio4.34
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.
Revenue812.37M
Gross Profit812.37M
Operating Income801.22M
Pretax Income89.23M
Net Income77.47M
EBITDA0.00
Earnings Per Share (EPS)1.72
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 billion.
Operating Cash Flow536.47M
Free Cash Flow487.16M
Free Cash Flow per Share10.68
Dividends & Yields
Live Oak Bancshares pays an annual dividend of $0.029, resulting in a dividend yield of 0.43%
Dividend Per Share$0.029
Dividend Yield0.43%
Payout Ratio8.92%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.23
52-Week Price Change-10.64%
50-Day Moving Average26.38
200-Day Moving Average36.92
Relative Strength Index (RSI)56.84
Average Volume (3m)251.10K
Important Dates
Live Oak Bancshares upcoming earnings date is Jul 23, 2025, TBA Not Confirmed.
Last Earnings DateApr 23, 2025
Next Earnings DateJul 23, 2025
Ex-Dividend DateJun 03, 2025
Financial Position
Live Oak Bancshares as a current ratio of 0.39, with Debt / Equity ratio of 11.29%
Current Ratio0.39
Quick Ratio0.39
Debt to Market Cap0.06
Net Debt to EBITDA0.00
Interest Coverage Ratio1.84
Taxes
In the past 12 months, Live Oak Bancshares has paid 11.82M in taxes.
Income Tax11.82M
Effective Tax Rate0.13
Enterprise Valuation
Live Oak Bancshares EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 2.64.
EV to Sales1.58
EV to EBITDA0.00
EV to Free Cash Flow2.64
EV to Operating Cash Flow2.39
Balance Sheet
Live Oak Bancshares has $634.39M in cash and marketable securities with $112.82M in debt, giving a net cash position of -$521.57M billion.
Cash & Marketable Securities$634.39M
Total Debt$112.82M
Net Cash-$521.57M
Net Cash Per Share-$11.44
Tangible Book Value Per Share$22.30
Margins
Gross margin is 74.75%, with operating margin of 98.63%, and net profit margin of 9.54%.
Gross Margin74.75%
Operating Margin98.63%
Pretax Margin10.98%
Net Profit Margin9.54%
EBITDA Margin0.00%
EBIT Margin-2.87%
Analyst Forecast
The average price target for Live Oak Bancshares is $32.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$32.00
Price Target Upside13.43% Upside
Analyst ConsensusHold
Analyst Count2
Revenue Growth Forecast12.30%
EPS Growth Forecast-41.81%