Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.78 billion. The enterprise value is $1.23 billion.
Important Dates
The next estimated earnings date is Wednesday, January 22, 2025, after market close.
| Earnings Date | Jan 22, 2025 |
| Ex-Dividend Date | Dec 2, 2024 |
Share Statistics
LOB has 45.19 million shares outstanding. The number of shares has increased by 1.43% in one year.
| Current Share Class | 45.19M |
| Shares Outstanding | 45.19M |
| Shares Change (YoY) | +1.43% |
| Shares Change (QoQ) | +0.94% |
| Owned by Insiders (%) | 23.74% |
| Owned by Institutions (%) | 68.57% |
| Float | 34.45M |
Valuation Ratios
The trailing PE ratio is 21.42 and the forward PE ratio is 16.34.
| PE Ratio | 21.42 |
| Forward PE | 16.34 |
| PS Ratio | 4.36 |
| Forward PS | 3.36 |
| PB Ratio | 1.77 |
| P/TBV Ratio | 1.77 |
| P/FCF Ratio | 3.80 |
| P/OCF Ratio | 3.32 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.70 |
| EV / Sales | 3.03 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.62 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.25 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.01%.
| Return on Equity (ROE) | 9.01% |
| Return on Assets (ROA) | 0.71% |
| Return on Capital (ROIC) | n/a |
| Revenue Per Employee | $422,209 |
| Profits Per Employee | $87,135 |
| Employee Count | 961 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $9.75 million in taxes.
| Income Tax | 9.75M |
| Effective Tax Rate | 10.43% |
Stock Price Statistics
The stock price has decreased by -13.05% in the last 52 weeks. The beta is 1.67, so LOB's price volatility has been higher than the market average.
| Beta (5Y) | 1.67 |
| 52-Week Price Change | -13.05% |
| 50-Day Moving Average | 44.75 |
| 200-Day Moving Average | 40.73 |
| Relative Strength Index (RSI) | 32.65 |
| Average Volume (20 Days) | 168,003 |
Short Selling Information
The latest short interest is 2.10 million, so 4.64% of the outstanding shares have been sold short.
| Short Interest | 2.10M |
| Short Previous Month | 2.32M |
| Short % of Shares Out | 4.64% |
| Short % of Float | 6.08% |
| Short Ratio (days to cover) | 5.11 |
Income Statement
In the last 12 months, LOB had revenue of $405.74 million and earned $83.74 million in profits. Earnings per share was $1.84.
| Revenue | 405.74M |
| Gross Profit | 405.74M |
| Operating Income | 105.36M |
| Pretax Income | 118.41M |
| Net Income | 83.74M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.84 |
Full Income StatementBalance Sheet
The company has $666.84 million in cash and $115.37 million in debt, giving a net cash position of $551.46 million or $12.20 per share.
| Cash & Cash Equivalents | 666.84M |
| Total Debt | 115.37M |
| Net Cash | 551.46M |
| Net Cash Per Share | $12.20 |
| Equity (Book Value) | 1.01B |
| Book Value Per Share | 22.32 |
| Working Capital | -10.29B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $536.03 million and capital expenditures -$66.90 million, giving a free cash flow of $469.13 million.
| Operating Cash Flow | 536.03M |
| Capital Expenditures | -66.90M |
| Free Cash Flow | 469.13M |
| FCF Per Share | $10.38 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 25.97% |
| Pretax Margin | 23.04% |
| Profit Margin | 20.64% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 115.62% |