Live Oak Bancshares Statistics
Total Valuation
LOB has a market cap or net worth of $1.37 billion. The enterprise value is $735.80 million.
Important Dates
The next estimated earnings date is Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Jun 3, 2025 |
Share Statistics
LOB has 45.61 million shares outstanding. The number of shares has increased by 1.29% in one year.
| Current Share Class | 45.61M |
| Shares Outstanding | 45.61M |
| Shares Change (YoY) | +1.29% |
| Shares Change (QoQ) | -0.87% |
| Owned by Insiders (%) | 23.58% |
| Owned by Institutions (%) | 66.98% |
| Float | 34.86M |
Valuation Ratios
The trailing PE ratio is 21.49 and the forward PE ratio is 11.34.
| PE Ratio | 21.49 |
| Forward PE | 11.34 |
| PS Ratio | 3.16 |
| Forward PS | 2.44 |
| PB Ratio | 1.24 |
| P/TBV Ratio | 1.33 |
| P/FCF Ratio | 2.63 |
| P/OCF Ratio | 2.49 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.34 |
| EV / Sales | 1.84 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.41 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.21 |
| 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 -10.65% 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 | -10.65% |
| 50-Day Moving Average | 27.45 |
| 200-Day Moving Average | 36.07 |
| Relative Strength Index (RSI) | 64.35 |
| Average Volume (20 Days) | 241,279 |
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 | 6.01% |
| Short Ratio (days to cover) | 8.44 |
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 StatementBalance 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 | -11.19B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $550.55 million and capital expenditures -$29.93 million, giving a free cash flow of $520.63 million.
| Operating Cash Flow | 550.55M |
| Capital Expenditures | -29.93M |
| Free Cash Flow | 520.63M |
| FCF Per Share | $11.42 |
Full Cash Flow StatementMargins
| 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 | 130.38% |
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 | -0.89% |
| Earnings Yield | 4.35% |
| FCF Yield | 38.00% |
Dividend DetailsAnalyst Forecast
The average price target for LOB is $42.25, which is 40.65% higher than the current price. The consensus rating is "Buy".
| Price Target | $42.25 |
| Price Target Difference | 40.65% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| 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 |