LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LOB - US53803X1054 - Common Stock
37.49 USD
+1.83 (+5.13%)
37.49 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to LOB. LOB was compared to 387 industry peers in the Banks industry. LOB may be in some trouble as it scores bad on both profitability and health. LOB is growing strongly while it is still valued neutral. This is a good combination! LOB also has an excellent dividend rating.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.47%, LOB is doing worse than 80.10% of the companies in the same industry.
LOB's Return On Equity of 5.73% is on the low side compared to the rest of the industry. LOB is outperformed by 73.39% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 12.61%, LOB is doing worse than 81.40% of the companies in the same industry.
LOB's Profit Margin has improved in the last couple of years.
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) | 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.
The number of shares outstanding for LOB has been increased compared to 5 years ago.
Compared to 1 year ago, LOB has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of LOB is 0.44, which is an excellent value as it means it would take LOB, only 0.44 years of fcf income to pay off all of its debts.
LOB's Debt to FCF ratio of 0.44 is amongst the best of the industry. LOB outperforms 81.40% of its industry peers.
LOB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.09, LOB is doing good in the industry, outperforming 71.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC30%
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.
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 10.73% 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)-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
Based on estimates for the next years, LOB will show a very strong growth in Earnings Per Share. The EPS will grow by 41.05% on average per year.
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
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.
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
The Price/Earnings ratio is 25.16, which means the current valuation is very expensive for LOB.
Compared to the rest of the industry, the Price/Earnings ratio of LOB indicates a rather expensive valuation: LOB more expensive than 83.46% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of LOB to the average of the S&P500 Index (27.00), we can say LOB is valued inline with the index average.
A Price/Forward Earnings ratio of 12.06 indicates a correct valuation of LOB.
Based on the Price/Forward Earnings ratio, LOB is valued a bit more expensive than 60.21% of the companies in the same industry.
LOB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.16 | ||
| Fwd PE | 12.06 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of LOB indicates a rather cheap valuation: LOB is cheaper than 85.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.17 | ||
| 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.
LOB's earnings are expected to grow with 41.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.94
EPS Next 2Y46.44%
EPS Next 3Y41.05%
5. Dividend
5.1 Amount
LOB has a Yearly Dividend Yield of 8.20%, which is a nice return.
LOB's Dividend Yield is rather good when compared to the industry average which is at 2.78. LOB pays more dividend than 98.97% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, LOB pays a better dividend.
| 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 paid a dividend for at least 10 years, which is 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
9.36% 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.
DP9.36%
EPS Next 2Y46.44%
EPS Next 3Y41.05%
37.49
+1.83 (+5.13%)
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 Cap1.72B
Revenue(TTM)544.03M
Net Income(TTM)68.61M
Analysts73.33
Price Target43.61 (16.32%)
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 | 25.16 | ||
| Fwd PE | 12.06 | ||
| P/S | 3.16 | ||
| P/FCF | 7.17 | ||
| P/OCF | 6.9 | ||
| P/B | 1.43 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.49
EY3.97%
EPS(NY)3.11
Fwd EY8.29%
FCF(TTM)5.23
FCFY13.95%
OCF(TTM)5.43
OCFY14.5%
SpS11.86
BVpS26.13
TBVpS24.77
PEG (NY)0.46
PEG (5Y)0.94
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%
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 25.16 and the Price/Book (PB) ratio is 1.43.
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%.