Live Oak Bancshares, Inc. (LOB)

Chimerix Statistics

Total Valuation

LOB has a market cap or net worth of $1.42 billion. The enterprise value is $861.38 million.

Market Cap	1.42B
Enterprise Value	861.38M

Important Dates

The last earnings date was Wednesday, July 23, 2025, after market close.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	Jun 3, 2025

Share Statistics

LOB has 45.69 million shares outstanding. The number of shares has increased by 1.11% in one year.

Current Share Class	45.69M
Shares Outstanding	45.69M
Shares Change (YoY)	+1.11%
Shares Change (QoQ)	+0.09%
Owned by Insiders (%)	23.54%
Owned by Institutions (%)	66.90%
Float	34.93M

Valuation Ratios

The trailing PE ratio is 25.56 and the forward PE ratio is 11.33.

PE Ratio	25.56
Forward PE	11.33
PS Ratio	3.46
Forward PS	2.39
PB Ratio	1.33
P/TBV Ratio	1.33
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.36
EV / Sales	2.12
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.51%.

Return on Equity (ROE)	5.51%
Return on Assets (ROA)	0.44%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$396,100
Profits Per Employee	$54,702
Employee Count	1,025
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, LOB has paid $19.48 million in taxes.

Income Tax	19.48M
Effective Tax Rate	25.84%

Stock Price Statistics

The stock price has decreased by -31.30% in the last 52 weeks. The beta is 1.83, so LOB's price volatility has been higher than the market average.

Beta (5Y)	1.83
52-Week Price Change	-31.30%
50-Day Moving Average	30.04
200-Day Moving Average	34.35
Relative Strength Index (RSI)	46.19
Average Volume (20 Days)	272,120

Short Selling Information

The latest short interest is 2.10 million, so 4.59% of the outstanding shares have been sold short.

Short Interest	2.10M
Short Previous Month	2.32M
Short % of Shares Out	4.59%
Short % of Float	6.00%
Short Ratio (days to cover)	6.63

Income Statement

In the last 12 months, LOB had revenue of $406.00 million and earned $56.07 million in profits. Earnings per share was $1.21.

Revenue	406.00M
Gross Profit	406.00M
Operating Income	87.49M
Pretax Income	118.41M
Net Income	56.07M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.21

Balance Sheet

The company has $663.01 million in cash and $107.66 million in debt, giving a net cash position of $555.35 million or $12.16 per share.

Cash & Cash Equivalents	663.01M
Total Debt	107.66M
Net Cash	555.35M
Net Cash Per Share	$12.16
Equity (Book Value)	1.07B
Book Value Per Share	23.27
Working Capital	-11.57B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	21.55%
Pretax Margin	18.57%
Profit Margin	13.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.38%.

Dividend Per Share	$0.12
Dividend Yield	0.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	9.89%
Buyback Yield	-1.11%
Shareholder Yield	-0.72%
Earnings Yield	3.96%
FCF Yield	n/a

Analyst Forecast

The average price target for LOB is $42.33, which is 36.50% higher than the current price. The consensus rating is "Buy".

Price Target	$42.33
Price Target Difference	36.50%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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	2