Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.65 billion. The enterprise value is $1.09 billion.
Important Dates
The next confirmed earnings date is Wednesday, October 22, 2025, after market close.
Earnings Date | Oct 22, 2025 |
Ex-Dividend Date | Sep 2, 2025 |
Share Statistics
LOB has 45.73 million shares outstanding. The number of shares has increased by 1.11% in one year.
Current Share Class | 45.73M |
Shares Outstanding | 45.73M |
Shares Change (YoY) | +1.11% |
Shares Change (QoQ) | +0.09% |
Owned by Insiders (%) | 23.69% |
Owned by Institutions (%) | 68.31% |
Float | 34.90M |
Valuation Ratios
The trailing PE ratio is 29.57 and the forward PE ratio is 13.53. LOB's PEG ratio is 0.29.
PE Ratio | 29.57 |
Forward PE | 13.53 |
PS Ratio | 4.01 |
Forward PS | 2.75 |
PB Ratio | 1.54 |
P/TBV Ratio | 1.54 |
P/FCF Ratio | 2.48 |
P/OCF Ratio | 2.43 |
PEG Ratio | 0.29 |
Financial Ratio History Enterprise Valuation
EV / Earnings | 19.35 |
EV / Sales | 2.67 |
EV / EBITDA | n/a |
EV / EBIT | n/a |
EV / FCF | 1.64 |
Financial Position
Current Ratio | n/a |
Quick Ratio | n/a |
Debt / Equity | n/a |
Debt / EBITDA | n/a |
Debt / FCF | 0.16 |
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 -22.94% in the last 52 weeks. The beta is 1.82, so LOB's price volatility has been higher than the market average.
Beta (5Y) | 1.82 |
52-Week Price Change | -22.94% |
50-Day Moving Average | 35.49 |
200-Day Moving Average | 31.97 |
Relative Strength Index (RSI) | 50.75 |
Average Volume (20 Days) | 283,029 |
Short Selling Information
The latest short interest is 2.10 million, so 4.58% of the outstanding shares have been sold short.
Short Interest | 2.10M |
Short Previous Month | 2.32M |
Short % of Shares Out | 4.58% |
Short % of Float | 6.00% |
Short Ratio (days to cover) | 5.81 |
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 | 75.40M |
Net Income | 56.07M |
EBITDA | n/a |
EBIT | n/a |
Earnings Per Share (EPS) | $1.21 |
Full Income Statement 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 $12.14 per share.
Cash & Cash Equivalents | 663.01M |
Total Debt | 107.66M |
Net Cash | 555.35M |
Net Cash Per Share | $12.14 |
Equity (Book Value) | 1.07B |
Book Value Per Share | 23.27 |
Working Capital | -11.49B |
Full Balance Sheet Cash Flow
In the last 12 months, operating cash flow was $674.85 million and capital expenditures -$14.14 million, giving a free cash flow of $660.70 million.
Operating Cash Flow | 674.85M |
Capital Expenditures | -14.14M |
Free Cash Flow | 660.70M |
FCF Per Share | $14.45 |
Full Cash Flow Statement 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 | 162.73% |
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 | 9.89% |
Buyback Yield | -1.11% |
Shareholder Yield | -0.78% |
Earnings Yield | 3.42% |
FCF Yield | 40.28% |
Dividend Details Analyst Forecast
The average price target for LOB is $43.75, which is 21.26% higher than the current price. The consensus rating is "Buy".
Price Target | $43.75 |
Price Target Difference | 21.26% |
Analyst Consensus | Buy |
Analyst Count | 4 |
Revenue Growth Forecast (5Y) | n/a |
EPS Growth Forecast (5Y) | n/a |
Stock Forecasts 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 | 4 |