LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LOB - US53803X1054 - Common Stock
36.63 USD
-0.86 (-2.29%)
36.63 USD
0 (0%)
Taking everything into account, LOB scores 4 out of 10 in our fundamental rating. LOB was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of LOB have multiple concerns. LOB is not overvalued while it is showing excellent growth. This is an interesting combination. LOB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year LOB was profitable.
In the past year LOB had a positive cash flow from operations.
In the past 5 years LOB has always been profitable.
In multiple years LOB reported negative operating cash flow during the last 5 years.
1.2 Ratios
LOB's Return On Assets of 0.47% is on the low side compared to the rest of the industry. LOB is outperformed by 80.10% of its industry peers.
With a Return On Equity value of 5.73%, LOB is not doing good in the industry: 73.39% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 5.73% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)1.17%
ROE(3y)12.56%
ROE(5y)14.3%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LOB's Profit Margin of 12.61% is on the low side compared to the rest of the industry. LOB is outperformed by 81.40% of its industry peers.
In the last couple of years the Profit Margin of LOB has grown nicely.
LOB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.86%
PM growth 5Y11.89%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
LOB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LOB has been increased compared to 1 year ago.
Compared to 5 years ago, LOB has more shares outstanding
Compared to 1 year ago, LOB has a worse debt to assets ratio.
2.2 Solvency
LOB has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.44, LOB belongs to the top of the industry, outperforming 81.40% of the companies in the same industry.
LOB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of LOB (0.09) is better than 71.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC30.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
LOB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.29%.
Measured over the past years, LOB shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.65% on average per year.
The Revenue has grown by 10.73% in the past year. This is quite good.
LOB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.67% yearly.
EPS 1Y (TTM)-6.29%
EPS 3Y-26.89%
EPS 5Y26.65%
EPS Q2Q%96.43%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y3.02%
Revenue growth 5Y19.67%
Sales Q2Q%12.44%
3.2 Future
The Earnings Per Share is expected to grow by 41.05% on average over the next years. This is a very strong growth
LOB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.77% yearly.
EPS Next Y55.1%
EPS Next 2Y46.44%
EPS Next 3Y41.05%
EPS Next 5YN/A
Revenue Next Year22.85%
Revenue Next 2Y19.48%
Revenue Next 3Y17.77%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 24.58 indicates a rather expensive valuation of LOB.
LOB's Price/Earnings ratio is rather expensive when compared to the industry. LOB is more expensive than 83.46% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. LOB is around the same levels.
With a Price/Forward Earnings ratio of 11.78, the valuation of LOB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, LOB is valued a bit more expensive than 60.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.88. LOB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.58 | ||
| Fwd PE | 11.78 |
4.2 Price Multiples
LOB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. LOB is cheaper than 85.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
LOB's earnings are expected to grow with 41.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.92
EPS Next 2Y46.44%
EPS Next 3Y41.05%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.20%, LOB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.78, LOB pays a better dividend. On top of this LOB pays more dividend than 98.97% of the companies listed in the same industry.
LOB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
5.2 History
The dividend of LOB has a limited annual growth rate of 0.13%.
LOB has been paying a dividend for at least 10 years, so it has a reliable track record.
As LOB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.13%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
LOB pays out 9.36% of its income as dividend. This is a sustainable payout ratio.
LOB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.36%
EPS Next 2Y46.44%
EPS Next 3Y41.05%
36.63
-0.86 (-2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.58%
Inst Owner Change0%
Ins Owners19.68%
Ins Owner Change2.8%
Market Cap1.68B
Revenue(TTM)544.03M
Net Income(TTM)68.61M
Analysts73.33
Price Target43.61 (19.06%)
Short Float %4.61%
Short Ratio5.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
Yearly Dividend0.12
Dividend Growth(5Y)0.13%
DP9.36%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.83%
Min EPS beat(2)-8.94%
Max EPS beat(2)-4.73%
EPS beat(4)0
Avg EPS beat(4)-28.32%
Min EPS beat(4)-59.96%
Max EPS beat(4)-4.73%
EPS beat(8)1
Avg EPS beat(8)-22.51%
EPS beat(12)3
Avg EPS beat(12)-21.85%
EPS beat(16)5
Avg EPS beat(16)-20.01%
Revenue beat(2)2
Avg Revenue beat(2)5.65%
Min Revenue beat(2)1.35%
Max Revenue beat(2)9.96%
Revenue beat(4)4
Avg Revenue beat(4)4.16%
Min Revenue beat(4)1.35%
Max Revenue beat(4)9.96%
Revenue beat(8)7
Avg Revenue beat(8)3.05%
Revenue beat(12)9
Avg Revenue beat(12)2.1%
Revenue beat(16)13
Avg Revenue beat(16)10.93%
PT rev (1m)0.59%
PT rev (3m)1.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)26.43%
EPS NY rev (1m)0%
EPS NY rev (3m)3.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.58 | ||
| Fwd PE | 11.78 | ||
| P/S | 3.09 | ||
| P/FCF | 7.01 | ||
| P/OCF | 6.74 | ||
| P/B | 1.4 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY4.07%
EPS(NY)3.11
Fwd EY8.49%
FCF(TTM)5.23
FCFY14.27%
OCF(TTM)5.43
OCFY14.84%
SpS11.86
BVpS26.13
TBVpS24.77
PEG (NY)0.45
PEG (5Y)0.92
Graham Number29.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 5.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.61% | ||
| GM | N/A | ||
| FCFM | 44.07% |
ROA(3y)1.01%
ROA(5y)1.17%
ROE(3y)12.56%
ROE(5y)14.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.86%
PM growth 5Y11.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.44 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 34.98% | ||
| Cap/Sales | 1.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 349.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC30.48%
ROIC/WACCN/A
Cap/Depr(3y)214.19%
Cap/Depr(5y)150.76%
Cap/Sales(3y)9.29%
Cap/Sales(5y)7.2%
Profit Quality(3y)483.44%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.29%
EPS 3Y-26.89%
EPS 5Y26.65%
EPS Q2Q%96.43%
EPS Next Y55.1%
EPS Next 2Y46.44%
EPS Next 3Y41.05%
EPS Next 5YN/A
Revenue 1Y (TTM)10.73%
Revenue growth 3Y3.02%
Revenue growth 5Y19.67%
Sales Q2Q%12.44%
Revenue Next Year22.85%
Revenue Next 2Y19.48%
Revenue Next 3Y17.77%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-45.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-47.64%
OCF growth 3YN/A
OCF growth 5YN/A
LIVE OAK BANCSHARES INC / LOB FAQ
What is the ChartMill fundamental rating of LIVE OAK BANCSHARES INC (LOB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to LOB.
Can you provide the valuation status for LIVE OAK BANCSHARES INC?
ChartMill assigns a valuation rating of 5 / 10 to LIVE OAK BANCSHARES INC (LOB). This can be considered as Fairly Valued.
Can you provide the profitability details for LIVE OAK BANCSHARES INC?
LIVE OAK BANCSHARES INC (LOB) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for LOB stock?
The Price/Earnings (PE) ratio for LIVE OAK BANCSHARES INC (LOB) is 24.58 and the Price/Book (PB) ratio is 1.4.
How sustainable is the dividend of LIVE OAK BANCSHARES INC (LOB) stock?
The dividend rating of LIVE OAK BANCSHARES INC (LOB) is 8 / 10 and the dividend payout ratio is 9.36%.