Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.79 billion. The enterprise value is $1.23 billion.
| Market Cap | 1.79B |
| Enterprise Value | 1.23B |
Important Dates
The last earnings date was Wednesday, April 24, 2024, after market close.
| Earnings Date | Apr 24, 2024 |
| Ex-Dividend Date | Feb 26, 2024 |
Share Statistics
LOB has 44.94 million shares outstanding. The number of shares has increased by 1.13% in one year.
| Shares Outstanding | 44.94M |
| Shares Change (YoY) | +1.13% |
| Shares Change (QoQ) | +0.27% |
| Owned by Insiders (%) | 24.27% |
| Owned by Institutions (%) | 66.77% |
| Float | 33.70M |
Valuation Ratios
The trailing PE ratio is 24.31 and the forward PE ratio is 17.88.
| PE Ratio | 24.31 |
| Forward PE | 17.88 |
| PS Ratio | 4.42 |
| Forward PS | 3.52 |
| PB Ratio | 1.98 |
| P/FCF Ratio | 3.03 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 11.84, with an EV/FCF ratio of 2.08.
| EV / Earnings | 16.67 |
| EV / Sales | 3.04 |
| EV / EBITDA | 11.84 |
| EV / EBIT | 14.88 |
| EV / FCF | 2.08 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.03 |
| Debt / EBITDA | 0.22 |
| Debt / FCF | 0.04 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.70% and return on invested capital (ROIC) is 9.39%.
| Return on Equity (ROE) | 8.70% |
| Return on Assets (ROA) | 0.70% |
| Return on Capital (ROIC) | 9.39% |
| Revenue Per Employee | $422,180 |
| Profits Per Employee | $76,897 |
| Employee Count | 961 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LOB has paid $8.93 million in taxes.
| Income Tax | 8.93M |
| Effective Tax Rate | 10.78% |
Stock Price Statistics
The stock price has increased by +67.38% in the last 52 weeks. The beta is 1.58, so LOB's price volatility has been higher than the market average.
| Beta (1Y) | 1.58 |
| 52-Week Price Change | +67.38% |
| 50-Day Moving Average | 39.30 |
| 200-Day Moving Average | 35.68 |
| Relative Strength Index (RSI) | 55.21 |
| Average Volume (30 Days) | 163,961 |
Short Selling Information
The latest short interest is 2.10 million, so 4.66% of the outstanding shares have been sold short.
| Short Interest | 2.10M |
| Short Previous Month | 2.32M |
| Short % of Shares Out | 4.66% |
| Short % of Float | 6.22% |
| Short Ratio (days to cover) | 6.68 |
Income Statement
In the last 12 months, LOB had revenue of $405.72 million and earned $73.90 million in profits. Earnings per share was $1.64.
| Revenue | 405.72M |
| Gross Profit | 405.72M |
| Operating Income | 97.47M |
| Pretax Income | 82.83M |
| Net Income | 73.90M |
| EBITDA | 104.10M |
| EBIT | 82.83M |
| Earnings Per Share (EPS) | $1.64 |
Balance Sheet
The company has $582.79 million in cash and $23.35 million in debt, giving a net cash position of $559.44 million or $12.45 per share.
| Cash & Cash Equivalents | 582.79M |
| Total Debt | 23.35M |
| Net Cash | 559.44M |
| Net Cash Per Share | $12.45 |
| Equity / Book Value | 902.67M |
| Book Value Per Share | 20.09 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $620.07 million and capital expenditures -$28.15 million, giving a free cash flow of $591.92 million.
| Operating Cash Flow | 620.07M |
| Capital Expenditures | -28.15M |
| Free Cash Flow | 591.92M |
| FCF Per Share | $13.31 |
Margins
Gross margin is 100.00%, with operating and profit margins of 24.03% and 18.21%.
| Gross Margin | 100.00% |
| Operating Margin | 24.03% |
| Pretax Margin | 20.42% |
| Profit Margin | 18.21% |
| EBITDA Margin | 25.66% |
| EBIT Margin | 20.42% |
| FCF Margin | 145.90% |
Dividends & Yields
This stock pays an annual dividend of $0.12, which amounts to a dividend yield of 0.30%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.30% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 7.32% |
| Buyback Yield | -1.13% |
| Shareholder Yield | -0.83% |
| Earnings Yield | 4.12% |
| FCF Yield | 33.04% |
Analyst Forecast
The average price target for LOB is $44.75, which is 12.24% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $44.75 |
| Price Target Difference | 12.24% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
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 |