Live Oak Bancshares, Inc.(LOB) Stock Research - Grey Stern Research

Live Oak Bancshares, Inc. (LOB) Stock Analysis

$27.25 (-2.54%)

LOB Financial Performance


Use the table below to view Live Oak Bancshares, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $27.96 -
52 Week Low $26.50 -
52 Week High $50.57 -
Market Cap $1.3 Billion 4/16
Gross Margin 100% 1/16
Profit Margin 5% 13/16
EBITDA margin 7% 3/16
Q3 - 2024 Revenue $240.1 Million 2/16
Q3 - 2024 Earnings $13.0 Million 6/16
Q3 - 2024 Free Cash Flow -$135.9 Million 7/16
Trailing 4 Quarters Revenue $859.0 Million 2/16
Trailing 4 Quarters Earnings $62.8 Million 5/16
Quarterly Earnings Growth -67% 15/16
Annual Earnings Growth -32% 13/16
Quarterly Revenue Growth 92% 2/16
Annual Revenue Growth 93% 2/16
Cash On Hand $666.6 Million 3/16
Short Term Debt $0 6/16
Long Term Debt $115.4 Million 3/16

Live Oak Bancshares, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Live Oak Bancshares, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 20.11 5/16
PS 1.47 12/16
PB 1.25 5/16
PC 1.90 9/16
Liabilities to Equity 11.51 3/16
ROA 0.00 12/16
ROE 0.06 10/16
Current Ratio 1.09 12/16
Quick Ratio 0.16 5/16
Long Term Debt to Equity 0.11 5/16
Debt to Equity 0.11 6/16
Burn Rate -79.26 16/16
Cash to Cap 0.53 4/16
CCR -10.43 12/16
EV to EBITDA 39.92 4/16
EV to Revenue 0.83 4/16

Company Details

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.

CEO: Mr. James Mahan

Website: https://www.liveoakbank.com

Address: 1741 Tiburon Dr Wilmington, NORTH CAROLINA

Exchange: NASDAQ Global Select

Industry: Banks—Regional

Live Oak Bancshares, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Live Oak Bancshares, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Banner Corporation BANR $2.2 Billion
Great Southern Bancorp, Inc. GSBC $666.0 Million
Ameris Bancorp ABCB $4.1 Billion
Northfield Bancorp, Inc. (Staten Island, NY) NFBK $484.2 Million
First Northwest Bancorp FNWB $95.0 Million
First Financial Northwest, Inc. FFNW $209.6 Million
BancFirst Corporation BANF $3.7 Billion
CF Bankshares Inc. CFBK $141.1 Million
Community West Bancshares CWBC $353.0 Million
First Capital, Inc. FCAP $126.9 Million
Home Bancorp, Inc. HBCP $373.0 Million
Home Federal Bancorp, Inc. of Louisiana HFBL $41.0 Million
HMN Financial, Inc. HMNF $125.0 Million
Amalgamated Financial Corp. AMAL $908.0 Million
Finward Bancorp FNWD $125.9 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
LOB Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 240.1 Million $13.0 Million
Q2 2024 $ 234.0 Million $27.0 Million
Q1 2024 $ 29.1 Million $6.7 Million
Q4 2023 $ 355.8 Million $16.2 Million
Q3 2023 $ 124.8 Million $39.8 Million
Q2 2023 $ 107.1 Million $17.5 Million
Q1 2023 $ 100.6 Million $398,000
Q4 2022 $ 94.7 Million $1.8 Million

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LOB Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $666.6 Million $12.6 Billion $115.4 Million $1.0 Billion
Q2 2024 $90.2 Million $11.9 Billion $117.7 Million $961.6 Million
Q1 2024 $597.6 Million $11.5 Billion $120.2 Million $928.3 Million
Q4 2023 $582.5 Million $11.3 Billion $0 $902.7 Million
Q3 2023 $538.5 Million $11.0 Billion $25.8 Million $850.4 Million
Q2 2023 $812.1 Million $10.8 Billion $28.3 Million $832.5 Million
Q1 2023 $467.2 Million $10.4 Billion $30.8 Million $822.8 Million
Q4 2022 $284.2 Million $9.9 Billion $133.2 Million $811.0 Million

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LOB Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 -$135.9 Million $38.9 Million $51.1 Million
Q2 2024 $66.7 Million -$17.2 Million $17.1 Million
Q1 2024 $69.2 Million -$21.7 Million $14.9 Million
Q4 2023 -$385.9 Million $25.2 Million -$452.9 Million
Q3 2023 -$15.0 Million -$1.6 Million $32.8 Million
Q2 2023 $129.9 Million -$6.6 Million $344.9 Million
Q1 2023 $148.1 Million -$10.4 Million $46.6 Million
Q4 2022 $18.0 Million -$8.1 Million $13.3 Million

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