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LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis

NYSE:LOB - New York Stock Exchange, Inc. - US53803X1054 - Common Stock - Currency: USD

31.01  -0.6 (-1.9%)

After market: 31.01 0 (0%)

Fundamental Rating

4

Overall LOB gets a fundamental rating of 4 out of 10. We evaluated LOB against 393 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

In the past year LOB was profitable.
LOB had a positive operating cash flow in the past year.
In the past 5 years LOB has always 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

The Return On Assets of LOB (0.44%) is worse than 78.12% of its industry peers.
With a Return On Equity value of 5.80%, LOB is not doing good in the industry: 72.26% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.44%
ROE 5.8%
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

With a Profit Margin value of 11.70%, LOB is not doing good in the industry: 81.93% of the companies in the same industry are doing better.
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 RankSector Rank
OM N/A
PM (TTM) 11.7%
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.
Compared to 1 year ago, LOB has more shares outstanding
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.
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 0.21, which is an excellent value as it means it would take LOB, only 0.21 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of LOB (0.21) is better than 86.26% of its industry peers.
LOB has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
LOB has a better Debt to Equity ratio (0.11) than 67.94% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC34.49%
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.
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 8.02% 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)-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

The Earnings Per Share is expected to grow by 55.69% 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 16.14% yearly.
EPS Next Y47.32%
EPS Next 2Y55.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.29%
Revenue Next 2Y16.14%
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.
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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 25.42, LOB can be considered very expensive at the moment.
84.99% of the companies in the same industry are cheaper than LOB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.82, LOB is valued at the same level.
With a Price/Forward Earnings ratio of 8.82, the valuation of LOB can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LOB indicates a somewhat cheap valuation: LOB is cheaper than 65.39% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, LOB is valued rather cheaply.
Industry RankSector Rank
PE 25.42
Fwd PE 8.82
LOB Price Earnings VS Forward Price EarningsLOB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, LOB is valued cheaper than 97.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.72
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

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 55.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)0.95
EPS Next 2Y55.69%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a yearly dividend of 0.37%, LOB is not a good candidate for dividend investing.
With a Dividend Yield of 0.37, LOB pays less dividend than the industry average, which is at 3.40. 87.53% of the companies listed in the same industry pay a better dividend than LOB!
Compared to an average S&P500 Dividend Yield of 2.35, LOB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.37%

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
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

LOB pays out 9.10% of its income as dividend. This is a sustainable payout ratio.
The dividend of LOB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP9.1%
EPS Next 2Y55.69%
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 (8/1/2025, 7:39:57 PM)

After market: 31.01 0 (0%)

31.01

-0.6 (-1.9%)

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 Owners67.38%
Inst Owner Change-0.06%
Ins Owners19.58%
Ins Owner Change3.32%
Market Cap1.42B
Analysts48
Price Target33.15 (6.9%)
Short Float %4.83%
Short Ratio6.84
Dividend
Industry RankSector Rank
Dividend Yield 0.37%
Yearly Dividend0.12
Dividend Growth(5Y)0.13%
DP9.1%
Div Incr Years0
Div Non Decr Years9
Ex-Date06-03 2025-06-03 (0.03)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-49.8%
Min EPS beat(2)-59.96%
Max EPS beat(2)-39.65%
EPS beat(4)1
Avg EPS beat(4)-30.83%
Min EPS beat(4)-59.96%
Max EPS beat(4)26.3%
EPS beat(8)3
Avg EPS beat(8)-7.59%
EPS beat(12)4
Avg EPS beat(12)-25.6%
EPS beat(16)7
Avg EPS beat(16)-9.08%
Revenue beat(2)2
Avg Revenue beat(2)2.67%
Min Revenue beat(2)2.67%
Max Revenue beat(2)2.68%
Revenue beat(4)4
Avg Revenue beat(4)3.21%
Min Revenue beat(4)2.67%
Max Revenue beat(4)4.06%
Revenue beat(8)7
Avg Revenue beat(8)3.43%
Revenue beat(12)9
Avg Revenue beat(12)12.88%
Revenue beat(16)13
Avg Revenue beat(16)13.77%
PT rev (1m)3.17%
PT rev (3m)-1.52%
EPS NQ rev (1m)-0.93%
EPS NQ rev (3m)-1.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.87%
Valuation
Industry RankSector Rank
PE 25.42
Fwd PE 8.82
P/S 2.78
P/FCF 2.72
P/OCF 2.57
P/B 1.38
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)1.22
EY3.93%
EPS(NY)3.51
Fwd EY11.33%
FCF(TTM)11.39
FCFY36.75%
OCF(TTM)12.05
OCFY38.86%
SpS11.15
BVpS22.48
TBVpS21.23
PEG (NY)0.54
PEG (5Y)0.95
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 5.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.7%
GM N/A
FCFM 102.17%
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 0.11
Debt/FCF 0.21
Debt/EBITDA N/A
Cap/Depr 118.4%
Cap/Sales 5.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 873.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC34.49%
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 Y47.32%
EPS Next 2Y55.69%
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 Year22.29%
Revenue Next 2Y16.14%
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 1Y463.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y334.88%
OCF growth 3YN/A
OCF growth 5YN/A