Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.62 billion. The enterprise value is $1.14 billion.
| Market Cap | 1.62B |
| Enterprise Value | 1.14B |
Important Dates
The last earnings date was Wednesday, April 24, 2024, after market close.
| Earnings Date | Apr 24, 2024 |
| Ex-Dividend Date | Feb 26, 2024 |
Share Statistics
LOB has 44.97 million shares outstanding. The number of shares has increased by 1.41% in one year.
| Shares Outstanding | 44.97M |
| Shares Change (YoY) | +1.41% |
| Shares Change (QoQ) | +0.65% |
| Owned by Insiders (%) | 24.30% |
| Owned by Institutions (%) | 67.29% |
| Float | 33.84M |
Valuation Ratios
The trailing PE ratio is 16.17 and the forward PE ratio is 15.71.
| PE Ratio | 16.17 |
| Forward PE | 15.71 |
| PS Ratio | 3.83 |
| Forward PS | 3.10 |
| PB Ratio | 1.75 |
| P/FCF Ratio | 3.15 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 9.35, with an EV/FCF ratio of 2.22.
| EV / Earnings | 11.31 |
| EV / Sales | 2.70 |
| EV / EBITDA | 9.35 |
| EV / EBIT | 11.29 |
| EV / FCF | 2.22 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.13 |
| Debt / EBITDA | 0.98 |
| Debt / FCF | 0.23 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.50% and return on invested capital (ROIC) is 11.03%.
| Return on Equity (ROE) | 11.50% |
| Return on Assets (ROA) | 0.90% |
| Return on Capital (ROIC) | 11.03% |
| Revenue Per Employee | $440,150 |
| Profits Per Employee | $105,188 |
| Employee Count | 961 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $238,000 in taxes.
| Income Tax | 238,000 |
| Effective Tax Rate | 0.23% |
Stock Price Statistics
The stock price has increased by +56.64% in the last 52 weeks. The beta is 1.63, so LOB's price volatility has been higher than the market average.
| Beta (1Y) | 1.63 |
| 52-Week Price Change | +56.64% |
| 50-Day Moving Average | 37.75 |
| 200-Day Moving Average | 35.90 |
| Relative Strength Index (RSI) | 52.72 |
| Average Volume (30 Days) | 151,729 |
Short Selling Information
The latest short interest is 2.10 million, so 4.66% of the outstanding shares have been sold short.
| Short Interest | 2.10M |
| Short Previous Month | 2.32M |
| Short % of Shares Out | 4.66% |
| Short % of Float | 6.19% |
| Short Ratio (days to cover) | 6.08 |
Income Statement
In the last 12 months, LOB had revenue of $422.98 million and earned $101.09 million in profits. Earnings per share was $2.23.
| Revenue | 422.98M |
| Gross Profit | 422.98M |
| Operating Income | 115.90M |
| Pretax Income | 101.32M |
| Net Income | 101.09M |
| EBITDA | 122.38M |
| EBIT | 101.32M |
| Earnings Per Share (EPS) | $2.23 |
Balance Sheet
The company has $597.64 million in cash and $120.24 million in debt, giving a net cash position of $477.40 million or $10.62 per share.
| Cash & Cash Equivalents | 597.64M |
| Total Debt | 120.24M |
| Net Cash | 477.40M |
| Net Cash Per Share | $10.62 |
| Equity / Book Value | 927.72M |
| Book Value Per Share | 20.63 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $552.51 million and capital expenditures -$38.44 million, giving a free cash flow of $514.06 million.
| Operating Cash Flow | 552.51M |
| Capital Expenditures | -38.44M |
| Free Cash Flow | 514.06M |
| FCF Per Share | $11.48 |
Margins
Gross margin is 100.00%, with operating and profit margins of 27.40% and 23.90%.
| Gross Margin | 100.00% |
| Operating Margin | 27.40% |
| Pretax Margin | 23.95% |
| Profit Margin | 23.90% |
| EBITDA Margin | 28.93% |
| EBIT Margin | 23.95% |
| FCF Margin | 121.53% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.33%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.33% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 5.38% |
| Buyback Yield | -1.41% |
| Shareholder Yield | -1.08% |
| Earnings Yield | 6.24% |
| FCF Yield | 31.71% |
Analyst Forecast
The average price target for LOB is $42.00, which is 16.51% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.00 |
| Price Target Difference | 16.51% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |