Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
27.21
+0.53 (1.99%)
May 2, 2025, 4:00 PM EDT - Market closed

Live Oak Bancshares Statistics

Total Valuation

LOB has a market cap or net worth of $1.24 billion. The enterprise value is $609.42 million.

Market Cap 1.24B
Enterprise Value 609.42M

Important Dates

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

Earnings Date Apr 23, 2025
Ex-Dividend Date Feb 25, 2025

Share Statistics

LOB has 45.59 million shares outstanding. The number of shares has increased by 1.29% in one year.

Current Share Class 45.59M
Shares Outstanding 45.59M
Shares Change (YoY) +1.29%
Shares Change (QoQ) -0.87%
Owned by Insiders (%) 23.64%
Owned by Institutions (%) 67.53%
Float 34.81M

Valuation Ratios

The trailing PE ratio is 20.96 and the forward PE ratio is 11.06.

PE Ratio 20.96
Forward PE 11.06
PS Ratio 3.09
Forward PS 2.18
PB Ratio 1.21
P/TBV Ratio 1.21
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 10.22
EV / Sales 1.53
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 6.07%.

Return on Equity (ROE) 6.07%
Return on Assets (ROA) 0.47%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $389,582
Profits Per Employee $58,151
Employee Count 1,025
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, LOB has paid $20.76 million in taxes.

Income Tax 20.76M
Effective Tax Rate 25.87%

Stock Price Statistics

The stock price has decreased by -18.75% in the last 52 weeks. The beta is 1.85, so LOB's price volatility has been higher than the market average.

Beta (5Y) 1.85
52-Week Price Change -18.75%
50-Day Moving Average 27.26
200-Day Moving Average 38.69
Relative Strength Index (RSI) 56.38
Average Volume (20 Days) 440,678

Short Selling Information

The latest short interest is 2.10 million, so 4.60% of the outstanding shares have been sold short.

Short Interest 2.10M
Short Previous Month 2.32M
Short % of Shares Out 4.60%
Short % of Float 6.02%
Short Ratio (days to cover) 3.03

Income Statement

In the last 12 months, LOB had revenue of $399.32 million and earned $59.61 million in profits. Earnings per share was $1.30.

Revenue 399.32M
Gross Profit 399.32M
Operating Income 91.45M
Pretax Income 118.41M
Net Income 59.61M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.30
Full Income Statement

Balance Sheet

The company has $744.51 million in cash and $110.25 million in debt, giving a net cash position of $634.27 million or $13.91 per share.

Cash & Cash Equivalents 744.51M
Total Debt 110.25M
Net Cash 634.27M
Net Cash Per Share $13.91
Equity (Book Value) 1.03B
Book Value Per Share 22.53
Working Capital -11.28B
Full Balance Sheet

Cash Flow

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

Margins

Gross Margin n/a
Operating Margin 22.90%
Pretax Margin 20.10%
Profit Margin 14.93%
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 0.44%.

Dividend Per Share $0.12
Dividend Yield 0.44%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 9.22%
Buyback Yield -1.29%
Shareholder Yield -0.85%
Earnings Yield 4.79%
FCF Yield n/a
Dividend Details

Analyst Forecast

The average price target for LOB is $42.25, which is 55.27% higher than the current price. The consensus rating is "Buy".

Price Target $42.25
Price Target Difference 55.27%
Analyst Consensus Buy
Analyst Count 4
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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