LOB

Live Oak Bancshares, Inc. [LOB] Stock Forecast

Q: What is Live Oak Bancshares, Inc. stock symbol ?

Live Oak Bancshares, Inc. is a US stock, located in Wilmington of Nc and trading under the symbol LOB

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LOB Stock Summary

Earnings are expected to rise 48.48% next year

EPS has been increasing for the past 3 years (Yearly statements)

LOB's dividend payments are well covered by cash flows with cash payout ratio of 2.81%.

EPS has been decreasing for the past 3 quarters (Quarter statements)

Profit margins (0.37%) are lower than the previous year (0.45%)

LOB has less than 1 year of cash runway

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In the News

06:03 29 May 2023 LOB

3 Bank Stocks Worth Buying in This Crisis

The banking cycle looks uncertain. History tells us that's often the best time to be a buyer.

05:02 29 May 2023 LOB

Banking Crisis 2023: Before Buying or Selling Bank Stocks, Do This

The sharp rise in interest rates has flipped the banking model on its head for some banks.

01:52 29 May 2023 LOB

Live Oak Bancshares, Inc. (LOB) Q1 2023 Earnings Call Transcript

Live Oak Bancshares, Inc. (NYSE:LOB ) Q1 2023 Earnings Conference Call April 27, 2023 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer Huntley Garriott - President William Losch - Chief Financial Officer Steven Smits - Chief Credit Officer Conference Call Participants Brandon King - Truist Securities Crispin Love - Piper Sandler Steven Alexopoulos - JPMorgan David Feaster - Raymond James Operator Good morning, ladies and gentlemen, and welcome to the Q1 2023 Live Oak Bancshares Earnings Call. [Operator Instructions] This call is being recorded on Thursday, April 27, 2023.

09:59 29 May 2023 LOB

Live Oak Bancshares (LOB) Lags Q1 Earnings and Revenue Estimates

Live Oak Bancshares (LOB) came out with quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.76 per share a year ago.

07:30 29 May 2023 LOB

10 Banks' Profit Is About To Completely Fall Apart, Analysts Warn

Just when you thought the banking crisis was over — you'd better brace for an onslaught of big drops in bank profit. The post 10 Banks' Profit Is About To Completely Fall Apart, Analysts Warn appeared first on Investor's Business Daily.

05:37 29 May 2023 LOB

Live Oak Bancshares: The Market Threw The Baby Out With The Bathwater This Time

Shares of Live Oak Bancshares have suffered mightily as of late as concerns over a banking crisis have mounted. Although this may cause investors to worry, Live Oak Bancshares is a solid operator that is likely to hold up well even if the crisis isn't contained.

05:11 29 May 2023 LOB

The Fed Just Raised Interest Rates Again: That's Great for These 2 Stocks

People spending money on their homes, and a loan book that moves up with higher rates, make these two stocks beneficiaries of rising interest rates.

07:37 29 May 2023 LOB

4 Small-Cap Stocks to Consider Amid the Downturn

Small-caps have been decimated these past two weeks. It's opened up some fertile ground for bargain-hunters.

06:55 29 May 2023 LOB

Live Oak Bancshares (LOB) Surges 8.5%: Is This an Indication of Further Gains?

Live Oak Bancshares (LOB) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

05:45 29 May 2023 LOB

Is This the Biggest Risk to Live Oak Bancshares?

By putting safety and profitability ahead of growth, Live Oak may be able to mitigate its biggest risk.

LOB Financial details

Company Rating

Strong Buy

Market Cap

1.02B

Income

142.1M

Revenue

382.95M

Book val./share

18.63

Cash/share

36.62

Dividend

0.09

Dividend %

0.39%

Employees

968

Optionable

Shortable

Yes

Earnings

25 Jul 2023

P/E

7.12

Forward P/E

PEG

-4.37

P/S

2.65

P/B

1.23

P/C

0.62

P/FCF

-18.4

Quick Ratio

Current Ratio

Debt / Equity

LT Debt / Equity

0.04

EPS (TTM)

3.24

EPS next Y

EPS next Q

0.86

EPS this Y

11.89%

EPS next Y

EPS next 5Y

6.64%

EPS last 5Y

27.6%

Revenue last 5Y

13.74%

Revenue Q/Q

6.19%

EPS Q/Q

-75%

SMA20

SMA50

-17.86%

SMA100

-25.81%

Inst Own

62.48%

Inst Trans

-3.35%

ROA

ROE

18%

ROC

0.03%

Gross Margin

100%

Oper. Margin

89%

Profit Margin

37%

Payout

Shs Outstand

44.31M

Shs Float

32.92M

Target Price

40.67

52W Range

17.305-43.725

52W High

-46.98%

52W Low

+34.12%

RSI

Rel Volume

0.32

Avg Volume

377.44K

Volume

121.25K

Perf Week

-0.96%

Perf Month

-4.76%

Perf Quarter

-31.26%

Perf Half Y

-28.32%

Beta

1.46165

Volatility

0.34%, 1.17%

Prev Close

3.54%

Price

22.8

Change

1.42%

LOB Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
Revenue per share	5.14	5.12	7	10.24	9.63
Net income per share	1.28	0.45	1.46	3.87	4.33
Operating cash flow per share	0.29	-12.28	-6.71	-2.77	3.06
Free cash flow per share	-2.49	-13.2	-7.23	-2.84	1.98
Cash per share	17.59	16.76	25.91	25.43	31.93
Book value per share	12.32	13.24	13.96	16.57	19.94
Tangible book value per share	12.32	119.71	13.96	16.57	19.94
Share holders equity per share	12.32	13.24	13.96	16.57	19.94
Interest debt per share	1.4	2.25	40.57	9.05	6.15
Market cap	593.23M	764.63M	1.93B	3.77B	1.23B
Enterprise value	270.62M	633.27M	3.17B	3.89B	1.03B
P/E ratio	11.53	42.4	32.42	22.57	6.97
Price to sales ratio	2.88	3.71	6.78	8.53	3.13
POCF ratio	51.49	-1.55	-7.07	-31.48	9.87
PFCF ratio	-5.94	-1.44	-6.57	-30.69	15.22
P/B Ratio	1.2	1.44	3.4	5.27	1.51
PTB ratio	1.2	1.44	3.4	5.27	1.51
EV to sales	1.31	3.07	11.13	8.81	2.62
Enterprise value over EBITDA	2.31	4.82	19.47	14.15	2.95
EV to operating cash flow	23.49	-1.28	-11.61	-32.53	8.25
EV to free cash flow	-2.71	-1.19	-10.78	-31.72	12.73
Earnings yield	0.09	0.02	0.03	0.04	0.14
Free cash flow yield	-0.17	-0.69	-0.15	-0.03	0.07
Debt to equity	6.44	0	12.86	10.49	11.15
Debt to assets	0.87	0	0.93	0.91	0.92
Net debt to EBITDA	-2.76	-1	7.61	0.46	-0.58
Current ratio	0	0	72.73	23.4	25.98
Interest coverage	0	1.27	1.51	3.94	2.8
Income quality	0.22	-27.39	-4.58	-0.72	0.71
Dividend Yield	0.01	0.01	0	0	0
Payout ratio	0.09	0.27	0.08	0.03	0.03
Sales general and administrative to revenue	0.5	0.54	0.48	0.35	0.46
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-9.66	0.08	0.08	0.03	-0.35
Capex to revenue	-0.54	-0.18	-0.07	-0.01	-0.11
Capex to depreciation	-6.79	-1.86	-0.97	-0.14	-2.11
Stock based compensation to revenue	0.04	0.06	0.05	0.04	0.05
Graham number	18.87	11.56	21.44	37.97	44.08
ROIC	0	0.02	0.02	0.03	0.03
Return on tangible assets	0.01	0	0.01	0.02	0.02
Graham Net	-61.72	16.76	-153.66	-148.26	-190.41
Working capital	-1.44M	674.05M	1.04B	179.2M	1.25B
Tangible asset value	493.56M	4.81B	567.85M	715.13M	811.03M
Net current asset value	-3.18B	674.05M	-6.25B	-7.31B	-7.75B
Invested capital	0	0	2.74	0.46	0.16
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.1	0.03	0.1	0.23	0.22
Capex per share	-2.78	-0.92	-0.52	-0.07	-1.08

Quarterly Fundamentals Overview

Last date of statement is 2023-03-31 for Q1

Metric	2022-03-31	2022-06-30	2022-09-30	2022-12-31	2023-03-31
Revenue per share	2.5	1.97	2.31	2.15	2.28
Net income per share	0.79	2.21	0.98	0.04	0.01
Operating cash flow per share	3.58	-1.8	0.47	0.59	0.01
Free cash flow per share	3.12	-1.98	0.3	0.41	0.01
Cash per share	30.36	34.52	30.62	29.52	36.62
Book value per share	16.32	18.06	18.27	18.43	18.63
Tangible book value per share	16.32	18.06	18.27	18.43	234.71
Share holders equity per share	16.32	18.06	18.27	18.43	18.63
Interest debt per share	5.31	2.41	1.54	4.18	2.27
Market cap	2.22B	1.49B	1.34B	1.33B	1.08B
Enterprise value	1.94B	986.69M	1.04B	1.13B	639.69M
P/E ratio	16.11	3.83	7.84	185.4	675.95
Price to sales ratio	20.32	17.2	13.26	14.04	10.7
POCF ratio	14.22	-18.86	65.05	50.81	2.3K
PFCF ratio	16.3	-17.08	101.37	73.68	2.3K
P/B Ratio	3.12	1.88	1.68	1.64	1.31
PTB ratio	3.12	1.88	1.68	1.64	1.31
EV to sales	17.71	11.43	10.26	11.91	6.36
Enterprise value over EBITDA	30.63	6.72	12.78	19.94	8.76
EV to operating cash flow	12.39	-12.53	50.35	43.12	1.37K
EV to free cash flow	14.21	-11.35	78.46	62.53	1.37K
Earnings yield	0.02	0.07	0.03	0	0
Free cash flow yield	0.06	-0.06	0.01	0.01	0
Debt to equity	11.08	10.52	10.61	11.15	0
Debt to assets	0.92	0.91	0.91	0.92	0
Net debt to EBITDA	-4.5	-3.4	-3.73	-3.55	-5.98
Current ratio	66.39	0	0	25.98	0
Interest coverage	3.86	7.33	2.39	1.01	1.05
Income quality	4.53	-0.81	0.48	14.6	2.57
Dividend Yield	0	0	0	0	0
Payout ratio	0.04	0.01	0.03	0.74	3.33
Sales general and administrative to revenue	0.44	0.66	0.56	0.48	0.48
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.13	0.1	-0.36	-0.31	0
Capex to revenue	-0.18	-0.09	-0.07	-0.09	0
Capex to depreciation	-3.71	-1.59	-1.46	-1.58	0
Stock based compensation to revenue	0.05	0.06	0.05	0.06	0
Graham number	17.03	30	20.03	4.11	1.94
ROIC	0.01	0.01	0.01	0.01	0
Return on tangible assets	0	0.01	0	0	0
Graham Net	-150.57	-155.54	-163.22	-176.01	36.62
Working capital	1.31B	1.51B	1.34B	1.25B	1.61B
Tangible asset value	713.33M	791.66M	802.17M	811.03M	10.36B
Net current asset value	-6.58B	-6.82B	-7.17B	-7.75B	1.61B
Invested capital	0.3	0.11	0.04	0.16	0.04
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.05	0.12	0.05	0	0
Capex per share	-0.46	-0.19	-0.17	-0.18	0

LOB Dividend History

LOB Frequently Asked Questions

What is Live Oak Bancshares, Inc. stock symbol ?

Live Oak Bancshares, Inc. is a US stock , located in Wilmington of Nc and trading under the symbol LOB

Is Live Oak Bancshares, Inc. buy or a sell ?

6 stock analysts have 6 predictions with a medium analyst target price of $45.17. The lowest prediction is $30 and the highest is $55

What is LOB stock prediction ?

What is Live Oak Bancshares, Inc. stock quote today ?

Live Oak Bancshares, Inc. stock price is $22.8 today.

Is Live Oak Bancshares, Inc. stock public?

Yes, Live Oak Bancshares, Inc. is a publicly traded company.

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Company Profile

Volume Average 377.44K
Market Capitalization 1.02B
Employee 968
CEO Mr. James S. Mahan III
Headquarters Wilmington,NC,US
IPO Date 2015-07-23
Website https://www.liveoakbank.com

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.