LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LOB - US53803X1054 - Common Stock
30.69 USD
+1.28 (+4.35%)
30.69 USD
0 (0%)
Taking everything into account, LOB scores 4 out of 10 in our fundamental rating. LOB was compared to 388 industry peers in the Banks industry. LOB may be in some trouble as it scores bad on both profitability and health. LOB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
Each year in the past 5 years LOB has been profitable.
In multiple years LOB reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of LOB (0.41%) is worse than 81.75% of its industry peers.
LOB has a worse Return On Equity (5.28%) than 75.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 5.28% | ||
| 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 has a Profit Margin of 10.62%. This is amonst the worse of the industry: LOB underperforms 83.80% of its industry peers.
In the last couple of years the Profit Margin of LOB has grown nicely.
The Operating Margin and Gross Margin are not available for LOB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.62% | ||
| 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.
Compared to 1 year ago, LOB has more shares outstanding
LOB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, LOB has a worse debt to assets ratio.
2.2 Solvency
LOB has a debt to FCF ratio of 0.16. This is a very positive value and a sign of high solvency as it would only need 0.16 years to pay back of all of its debts.
LOB has a better Debt to FCF ratio (0.16) than 86.89% of its industry peers.
LOB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, LOB is doing good in the industry, outperforming 67.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC34.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for LOB have decreased by -6.29% in the last year.
LOB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.65% yearly.
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 41.81% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 17.77% on average over the next years. This is quite good.
EPS Next Y51.15%
EPS Next 2Y48.53%
EPS Next 3Y41.81%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 20.60 indicates a rather expensive valuation of LOB.
81.49% of the companies in the same industry are cheaper than LOB, based on the Price/Earnings ratio.
LOB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.45.
With a Price/Forward Earnings ratio of 9.59, the valuation of LOB can be described as very reasonable.
LOB's Price/Forward Earnings ratio is in line with the industry average.
LOB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.6 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, LOB is valued cheaper than 97.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
LOB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as LOB's earnings are expected to grow with 41.81% in the coming years.
PEG (NY)0.4
PEG (5Y)0.77
EPS Next 2Y48.53%
EPS Next 3Y41.81%
5. Dividend
5.1 Amount
LOB has a yearly dividend return of 0.41%, which is pretty low.
Compared to an average industry Dividend Yield of 3.35, LOB's dividend is way lower than its industry peers. On top of this 85.86% of the companies listed in the same industry pay a better dividend than LOB!
Compared to an average S&P500 Dividend Yield of 2.42, LOB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.41% |
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.
LOB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.13%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
9.71% of the earnings are spent on dividend by LOB. This is a low number and sustainable payout ratio.
The dividend of LOB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP9.71%
EPS Next 2Y48.53%
EPS Next 3Y41.81%
30.69
+1.28 (+4.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.43%
Inst Owner Change1.23%
Ins Owners19.7%
Ins Owner Change4.47%
Market Cap1.40B
Revenue(TTM)544.03M
Net Income(TTM)56.07M
Analysts73.33
Price Target43.35 (41.25%)
Short Float %4.64%
Short Ratio5.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.41% |
Yearly Dividend0.12
Dividend Growth(5Y)0.13%
DP9.71%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-22.19%
Min EPS beat(2)-39.65%
Max EPS beat(2)-4.73%
EPS beat(4)0
Avg EPS beat(4)-38.59%
Min EPS beat(4)-59.96%
Max EPS beat(4)-4.73%
EPS beat(8)2
Avg EPS beat(8)-11.02%
EPS beat(12)4
Avg EPS beat(12)-18.21%
EPS beat(16)6
Avg EPS beat(16)-18.46%
Revenue beat(2)2
Avg Revenue beat(2)6.32%
Min Revenue beat(2)2.68%
Max Revenue beat(2)9.96%
Revenue beat(4)4
Avg Revenue beat(4)4.84%
Min Revenue beat(4)2.67%
Max Revenue beat(4)9.96%
Revenue beat(8)7
Avg Revenue beat(8)4.33%
Revenue beat(12)9
Avg Revenue beat(12)4.42%
Revenue beat(16)13
Avg Revenue beat(16)11.06%
PT rev (1m)1.19%
PT rev (3m)11.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)1.72%
EPS NY rev (3m)9.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.95%
Revenue NY rev (1m)0.7%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.6 | ||
| Fwd PE | 9.59 | ||
| P/S | 2.66 | ||
| P/FCF | 2.12 | ||
| P/OCF | 2.08 | ||
| P/B | 1.32 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY4.86%
EPS(NY)3.2
Fwd EY10.42%
FCF(TTM)14.45
FCFY47.08%
OCF(TTM)14.76
OCFY48.08%
SpS11.54
BVpS23.24
TBVpS21.92
PEG (NY)0.4
PEG (5Y)0.77
Graham Number27.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 5.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.62% | ||
| GM | N/A | ||
| FCFM | 125.17% |
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-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.16 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 52.94% | ||
| Cap/Sales | 2.68% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1178.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC34.42%
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 Y51.15%
EPS Next 2Y48.53%
EPS Next 3Y41.81%
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 1Y113.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y97.5%
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.
What is the valuation status for LOB stock?
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 20.6 and the Price/Book (PB) ratio is 1.32.
Can you provide the expected EPS growth for LOB stock?
The Earnings per Share (EPS) of LIVE OAK BANCSHARES INC (LOB) is expected to grow by 51.15% in the next year.