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LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis

USA - NYSE:LOB - US53803X1054 - Common Stock

36.48 USD
-0.51 (-1.38%)
Last: 9/12/2025, 11:07:03 AM
Fundamental Rating

4

Overall LOB gets a fundamental rating of 4 out of 10. We evaluated LOB against 391 industry peers in the Banks industry. LOB has a bad profitability rating. Also its financial health evaluation is rather negative. LOB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

LOB had positive earnings in the past year.
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.
LOB Yearly Net Income VS EBIT VS OCF VS FCFLOB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

With a Return On Assets value of 0.41%, LOB is not doing good in the industry: 78.77% of the companies in the same industry are doing better.
LOB has a worse Return On Equity (5.28%) than 74.68% of its industry peers.
Industry RankSector 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
LOB Yearly ROA, ROE, ROICLOB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

LOB has a worse Profit Margin (10.62%) than 82.10% 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 RankSector 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
LOB Yearly Profit, Operating, Gross MarginsLOB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

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.
The number of shares outstanding for LOB has been increased compared to 5 years ago.
LOB has a worse debt/assets ratio than last year.
LOB Yearly Shares OutstandingLOB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
LOB Yearly Total Debt VS Total AssetsLOB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of LOB is 0.16, which is an excellent value as it means it would take LOB, only 0.16 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.16, LOB belongs to the best of the industry, outperforming 87.47% of the companies in the same industry.
LOB has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.10, LOB is in the better half of the industry, outperforming 69.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.16
Altman-Z N/A
ROIC/WACCN/A
WACC30.19%
LOB Yearly LT Debt VS Equity VS FCFLOB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LOB Yearly Current Assets VS Current LiabilitesLOB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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7

3. Growth

3.1 Past

The earnings per share for LOB have decreased strongly by -44.29% in the last year.
The Earnings Per Share has been growing by 26.65% on average over the past years. This is a very strong growth
Looking at the last year, LOB shows a quite strong growth in Revenue. The Revenue has grown by 8.02% in the last year.
The Revenue has been growing by 19.67% on average over the past years. This is quite good.
EPS 1Y (TTM)-44.29%
EPS 3Y-26.89%
EPS 5Y26.65%
EPS Q2Q%-13.56%
Revenue 1Y (TTM)8.02%
Revenue growth 3Y3.02%
Revenue growth 5Y19.67%
Sales Q2Q%14.56%

3.2 Future

LOB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 52.43% yearly.
The Revenue is expected to grow by 15.89% on average over the next years. This is quite good.
EPS Next Y37.57%
EPS Next 2Y52.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.24%
Revenue Next 2Y15.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
LOB Yearly Revenue VS EstimatesLOB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
LOB Yearly EPS VS EstimatesLOB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 29.90 indicates a quite expensive valuation of LOB.
Based on the Price/Earnings ratio, LOB is valued more expensive than 84.65% of the companies in the same industry.
LOB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.43, which is the current average of the S&P500 Index.
LOB is valuated reasonably with a Price/Forward Earnings ratio of 10.83.
LOB's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of LOB to the average of the S&P500 Index (22.87), we can say LOB is valued rather cheaply.
Industry RankSector Rank
PE 29.9
Fwd PE 10.83
LOB Price Earnings VS Forward Price EarningsLOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LOB is valued cheaper than 97.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.52
EV/EBITDA N/A
LOB Per share dataLOB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
LOB's earnings are expected to grow with 52.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)1.12
EPS Next 2Y52.43%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a yearly dividend of 0.31%, LOB is not a good candidate for dividend investing.
With a Dividend Yield of 0.31, LOB pays less dividend than the industry average, which is at 3.56. 85.93% of the companies listed in the same industry pay a better dividend than LOB!
With a Dividend Yield of 0.31, LOB pays less dividend than the S&P500 average, which is at 2.45.
Industry RankSector Rank
Dividend Yield 0.31%

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
LOB Yearly Dividends per shareLOB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

9.71% of the earnings are spent on dividend by LOB. This is a low number and sustainable payout ratio.
LOB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.71%
EPS Next 2Y52.43%
EPS Next 3YN/A
LOB Yearly Income VS Free CF VS DividendLOB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M
LOB Dividend Payout.LOB Dividend Payout, showing the Payout Ratio.LOB Dividend Payout.PayoutRetained Earnings

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LIVE OAK BANCSHARES INC

NYSE:LOB (9/12/2025, 11:07:03 AM)

36.48

-0.51 (-1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners67.21%
Inst Owner Change2.18%
Ins Owners19.55%
Ins Owner Change3.36%
Market Cap1.67B
Analysts48
Price Target38.76 (6.25%)
Short Float %4.77%
Short Ratio6.01
Dividend
Industry RankSector Rank
Dividend Yield 0.31%
Yearly Dividend0.12
Dividend Growth(5Y)0.13%
DP9.71%
Div Incr Years0
Div Non Decr Years9
Ex-Date09-02 2025-09-02 (0.03)
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)16.92%
PT rev (3m)20.63%
EPS NQ rev (1m)-4.69%
EPS NQ rev (3m)-12.17%
EPS NY rev (1m)-6.62%
EPS NY rev (3m)-6.62%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-1%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.64%
Valuation
Industry RankSector Rank
PE 29.9
Fwd PE 10.83
P/S 3.16
P/FCF 2.52
P/OCF 2.47
P/B 1.57
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)1.22
EY3.34%
EPS(NY)3.37
Fwd EY9.23%
FCF(TTM)14.45
FCFY39.6%
OCF(TTM)14.76
OCFY40.45%
SpS11.54
BVpS23.24
TBVpS21.92
PEG (NY)0.8
PEG (5Y)1.12
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC30.19%
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)-44.29%
EPS 3Y-26.89%
EPS 5Y26.65%
EPS Q2Q%-13.56%
EPS Next Y37.57%
EPS Next 2Y52.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.02%
Revenue growth 3Y3.02%
Revenue growth 5Y19.67%
Sales Q2Q%14.56%
Revenue Next Year22.24%
Revenue Next 2Y15.89%
Revenue Next 3YN/A
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