Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.58 billion. The enterprise value is $1.02 billion.
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 45.73 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 (%) | 23.60% |
| Owned by Institutions (%) | 68.30% |
| Float | 34.94M |
Valuation Ratios
The trailing PE ratio is 28.46 and the forward PE ratio is 12.62.
| PE Ratio | 28.46 |
| Forward PE | 12.62 |
| PS Ratio | 3.86 |
| Forward PS | 2.67 |
| PB Ratio | 1.48 |
| P/TBV Ratio | 1.49 |
| P/FCF Ratio | 2.39 |
| P/OCF Ratio | 2.34 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 18.26 |
| EV / Sales | 2.52 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.55 |
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 -11.12% 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 | -11.12% |
| 50-Day Moving Average | 31.02 |
| 200-Day Moving Average | 33.62 |
| Relative Strength Index (RSI) | 66.67 |
| Average Volume (20 Days) | 261,592 |
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) | 6.18 |
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 |
Full Income StatementBalance 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 SheetCash 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 StatementMargins
| 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 0.35%.
| Dividend Per Share | $0.12 |
| Dividend Yield | 0.35% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 9.89% |
| Buyback Yield | -1.11% |
| Shareholder Yield | -0.76% |
| Earnings Yield | 3.55% |
| FCF Yield | 41.84% |
Dividend DetailsAnalyst Forecast
The average price target for LOB is $42.33, which is 22.59% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.33 |
| Price Target Difference | 22.59% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |