LIVE OAK BANCSHARES INC (LOB) Fundamental Analysis & Valuation

NYSE:LOB • US53803X1054

Current stock price

32.09 USD
-0.59 (-1.81%)
At close:
32.09 USD
0 (0%)
After Hours:

This LOB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LOB Profitability Analysis

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.
  • Of the past 5 years LOB 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • LOB's Return On Assets of 0.68% is on the low side compared to the rest of the industry. LOB is outperformed by 74.21% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.23%, LOB is doing worse than 60.79% of the companies in the same industry.
Industry RankSector Rank
ROA 0.68%
ROE 8.23%
ROIC N/A
ROA(3y)0.64%
ROA(5y)1.15%
ROE(3y)8.06%
ROE(5y)13.85%
ROIC(3y)N/A
ROIC(5y)N/A
LOB Yearly ROA, ROE, ROICLOB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 17.80%, LOB is doing worse than 76.05% of the companies in the same industry.
  • In the last couple of years the Profit Margin of LOB has declined.
  • 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) 17.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.03%
PM growth 5Y-3.44%
GM growth 3YN/A
GM growth 5YN/A
LOB Yearly Profit, Operating, Gross MarginsLOB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. LOB Health Analysis

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
  • Compared to 5 years ago, LOB has more shares outstanding
  • LOB has a better debt/assets ratio than last year.
LOB Yearly Shares OutstandingLOB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
LOB Yearly Total Debt VS Total AssetsLOB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of LOB is 0.71, which is an excellent value as it means it would take LOB, only 0.71 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of LOB (0.71) is better than 74.74% of its industry peers.
  • A Debt/Equity ratio of 0.08 indicates that LOB is not too dependend on debt financing.
  • LOB has a Debt to Equity ratio of 0.08. This is in the better half of the industry: LOB outperforms 71.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.71
Altman-Z N/A
ROIC/WACCN/A
WACC31.73%
LOB Yearly LT Debt VS Equity VS FCFLOB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5M 10M 15M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. LOB Growth Analysis

3.1 Past

  • LOB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.10%, which is quite impressive.
  • LOB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.82% yearly.
  • Looking at the last year, LOB shows a quite strong growth in Revenue. The Revenue has grown by 15.64% in the last year.
  • The Revenue has been growing by 15.53% on average over the past years. This is quite good.
EPS 1Y (TTM)53.1%
EPS 3Y7.44%
EPS 5Y9.82%
EPS Q2Q%331.82%
Revenue 1Y (TTM)15.64%
Revenue growth 3Y0.72%
Revenue growth 5Y15.53%
Sales Q2Q%35.01%

3.2 Future

  • The Earnings Per Share is expected to grow by 35.35% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, LOB will show a quite strong growth in Revenue. The Revenue will grow by 13.81% on average per year.
EPS Next Y32.03%
EPS Next 2Y35.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.62%
Revenue Next 2Y13.81%
Revenue Next 3YN/A
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.
LOB Yearly Revenue VS EstimatesLOB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

5

4. LOB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.45 indicates a correct valuation of LOB.
  • Based on the Price/Earnings ratio, LOB is valued a bit more expensive than the industry average as 73.68% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of LOB to the average of the S&P500 Index (24.88), we can say LOB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 10.95, which indicates a very decent valuation of LOB.
  • The rest of the industry has a similar Price/Forward Earnings ratio as LOB.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. LOB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.45
Fwd PE 10.95
LOB Price Earnings VS Forward Price EarningsLOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • LOB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. LOB is cheaper than 63.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.34
EV/EBITDA N/A
LOB Per share dataLOB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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 35.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)1.47
EPS Next 2Y35.35%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. LOB Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.38%, LOB is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.38, LOB pays less dividend than the industry average, which is at 2.78. 87.37% of the companies listed in the same industry pay a better dividend than LOB!
  • Compared to an average S&P500 Dividend Yield of 1.90, LOB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.38%

5.2 History

  • The dividend of LOB is nicely growing with an annual growth rate of 9.55%!
  • 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)9.55%
Div Incr Years0
Div Non Decr Years9
LOB Yearly Dividends per shareLOB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

  • LOB pays out 8.30% 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.
DP8.3%
EPS Next 2Y35.35%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M
LOB Dividend Payout.LOB Dividend Payout, showing the Payout Ratio.LOB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

LOB Fundamentals: All Metrics, Ratios and Statistics

LIVE OAK BANCSHARES INC

NYSE:LOB (3/27/2026, 8:04:00 PM)

After market: 32.09 0 (0%)

32.09

-0.59 (-1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners72.08%
Inst Owner Change-11.89%
Ins Owners19.44%
Ins Owner Change2.64%
Market Cap1.48B
Revenue(TTM)577.82M
Net Income(TTM)102.82M
Analysts73.33
Price Target45.65 (42.26%)
Short Float %5.23%
Short Ratio5.44
Dividend
Industry RankSector Rank
Dividend Yield 0.38%
Yearly Dividend0.19
Dividend Growth(5Y)9.55%
DP8.3%
Div Incr Years0
Div Non Decr Years9
Ex-Date03-05
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.14%
Min EPS beat(2)-8.94%
Max EPS beat(2)-1.34%
EPS beat(4)0
Avg EPS beat(4)-13.66%
Min EPS beat(4)-39.65%
Max EPS beat(4)-1.34%
EPS beat(8)1
Avg EPS beat(8)-20.26%
EPS beat(12)3
Avg EPS beat(12)-14.4%
EPS beat(16)5
Avg EPS beat(16)-19.66%
Revenue beat(2)2
Avg Revenue beat(2)9.83%
Min Revenue beat(2)1.35%
Max Revenue beat(2)18.32%
Revenue beat(4)4
Avg Revenue beat(4)8.08%
Min Revenue beat(4)1.35%
Max Revenue beat(4)18.32%
Revenue beat(8)7
Avg Revenue beat(8)5.14%
Revenue beat(12)10
Avg Revenue beat(12)4.06%
Revenue beat(16)13
Avg Revenue beat(16)11.62%
PT rev (1m)0%
PT rev (3m)5.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.71%
EPS NY rev (1m)2.04%
EPS NY rev (3m)-5.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.94%
Valuation
Industry RankSector Rank
PE 14.45
Fwd PE 10.95
P/S 2.57
P/FCF 10.34
P/OCF 9.37
P/B 1.19
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)2.22
EY6.92%
EPS(NY)2.93
Fwd EY9.13%
FCF(TTM)3.1
FCFY9.67%
OCF(TTM)3.42
OCFY10.67%
SpS12.5
BVpS27.04
TBVpS25.68
PEG (NY)0.45
PEG (5Y)1.47
Graham Number36.75
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 8.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.8%
GM N/A
FCFM 24.83%
ROA(3y)0.64%
ROA(5y)1.15%
ROE(3y)8.06%
ROE(5y)13.85%
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-17.03%
PM growth 5Y-3.44%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.71
Debt/EBITDA N/A
Cap/Depr 48.54%
Cap/Sales 2.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 139.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC31.73%
ROIC/WACCN/A
Cap/Depr(3y)160.18%
Cap/Depr(5y)141.12%
Cap/Sales(3y)7.56%
Cap/Sales(5y)6.22%
Profit Quality(3y)514.69%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.1%
EPS 3Y7.44%
EPS 5Y9.82%
EPS Q2Q%331.82%
EPS Next Y32.03%
EPS Next 2Y35.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.64%
Revenue growth 3Y0.72%
Revenue growth 5Y15.53%
Sales Q2Q%35.01%
Revenue Next Year11.62%
Revenue Next 2Y13.81%
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 1Y-70.55%
FCF growth 3Y21.15%
FCF growth 5YN/A
OCF growth 1Y-70.5%
OCF growth 3Y8.32%
OCF growth 5YN/A

LIVE OAK BANCSHARES INC / LOB Fundamental Analysis 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 14.45 and the Price/Book (PB) ratio is 1.19.


How sustainable is the dividend of LIVE OAK BANCSHARES INC (LOB) stock?

The dividend rating of LIVE OAK BANCSHARES INC (LOB) is 5 / 10 and the dividend payout ratio is 8.3%.