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Live Oak Bancshares, Inc. (LOB)

Stock Price: $33.71 USD 0.78 (2.37%)
Updated Oct 23, 2020 4:00 PM EDT - Market closed
After-hours: $33.74 +0.03 (0.09%) Oct 23, 4:23 PM

Stock Price Chart

Key Info

Market Cap 1.37B
Revenue (ttm) 189.79M
Net Income (ttm) 6.90M
Shares Out 37.82M
EPS (ttm) 0.90
PE Ratio 37.46
Forward PE n/a
Dividend $0.12
Dividend Yield 0.36%

Stock Quote

Trading Day Oct 23, 2020
Last Price $33.71
Previous Close $32.93
Change ($) 0.78
Change (%) 2.37%
Day's Open 33.75
Day's Range 32.85 - 34.79
Day's Volume 406,373
52-Week Range 7.57 - 34.79

More Stats

Market Cap 1.37B
Enterprise Value 1.74B
Earnings Date (est) Jan 27, 2021
Ex-Dividend Date Sep 4, 2020
Shares Outstanding 37.82M
Float 27.31M
EPS (basic) 0.17
EPS (diluted) 0.90
FCF / Share -8.20
Dividend $0.12
Dividend Yield 0.36%
Earnings Yield 2.67%
FCF Yield n/a
Payout Ratio 70.60%
Shares Short 1.30M
Short Ratio 4.17
Short % of Float 4.75%
Beta 1.25
PE Ratio 37.46
Forward PE n/a
P/FCF Ratio n/a
PS Ratio 7.20
PB Ratio 2.29
Revenue 189.79M
Operating Income 5.05M
Net Income 6.90M
Free Cash Flow -332.13M
Net Cash -368.71M
Net Cash / Share -9.10
Gross Margin 82.03%
Operating Margin 2.66%
Profit Margin 3.60%
FCF Margin -175.00%
ROA 0.58%
ROE 6.61%
ROIC 0.10%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (3)

Buy 1
Overweight 1
Hold 1
Underweight 0
Sell 0

Analyst Consensus: Overweight

Price Target

$26.33*
(-21.89% downside)
Low
24.0
Current: $33.71
High
28.0
Target: 26.33
*Average 12-month price target from 3 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year20192018201720162015201420132012
Revenue18819924112410671.9668.1148.42
Revenue Growth-5.21%-17.67%95.24%16.53%47.45%5.65%40.68%-
Gross Profit18819924112410671.9668.1148.42
Operating Income24.0746.0598.9420.4034.4017.4427.9414.80
Net Income18.0351.4510013.7720.6310.0528.0616.10
Shares Outstanding40.2940.1539.8834.2334.1732.65--
Earnings Per Share0.441.242.650.390.650.411.370.80
EPS Growth-64.52%-53.21%579.49%-40%58.54%-70.07%71.25%-
Dividend Per Share0.120.120.100.070.02---
Dividend Growth0%20%42.86%250%----
Operating Cash Flow-49411.52-288-222-335-262-44.18-28.26
Capital Expenditures-26.30-110-124-10.89-30.45-12.15-7.70-14.19
Free Cash Flow-520-98.94-412-233-365-274-51.87-42.45
Cash & Equivalents22932429824511339.9037.2444.17
Total Debt2.631.4626.5627.8428.3847.9515.9313.37
Net Cash / Debt22632327221784.48-8.0521.3130.81
Assets4,8133,6702,7581,7551,053673430342
Liabilities4,2803,1772,3221,532853582378310
Book Value53249443722319991.8148.3933.06
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Live Oak Bancshares, Inc.
Country United States
Employees 640
CEO James S. Mahan

Stock Information

Ticker Symbol LOB
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: LOB
IPO Date July 23, 2015

Description

Live Oak Bancshares operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to new funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.