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LIVE OAK BANCSHARES INC (LOB) Stock Fundamental Analysis

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

33.93  +1.4 (+4.3%)

After market: 33.93 0 (0%)

Fundamental Rating

4

LOB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. LOB may be in some trouble as it scores bad on both profitability and health. LOB is not overvalued while it is showing excellent growth. This is an interesting combination.


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.
LOB had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: LOB reported negative operating cash flow in multiple 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

LOB's Return On Assets of 0.44% is on the low side compared to the rest of the industry. LOB is outperformed by 78.28% of its industry peers.
With a Return On Equity value of 5.80%, LOB is not doing good in the industry: 72.22% 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

LOB has a worse Profit Margin (11.70%) than 82.07% of its industry peers.
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

LOB has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.21, LOB belongs to the best of the industry, outperforming 86.62% of the companies in the same industry.
A Debt/Equity ratio of 0.11 indicates that LOB is not too dependend on debt financing.
LOB's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. LOB outperforms 68.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC32.45%
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

LOB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -44.29%.
Measured over the past years, LOB shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.65% on average per year.
The Revenue has grown by 8.02% in the past year. This is quite good.
Measured over the past years, LOB shows a quite strong growth in Revenue. The Revenue has been growing by 19.67% on average per year.
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 55.69% yearly.
Based on estimates for the next years, LOB will show a quite strong growth in Revenue. The Revenue will grow by 15.42% on average per year.
EPS Next Y47.32%
EPS Next 2Y55.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.26%
Revenue Next 2Y15.42%
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 27.81 indicates a quite expensive valuation of LOB.
84.85% 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 28.05, LOB is valued at the same level.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of LOB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LOB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of LOB to the average of the S&P500 Index (37.67), we can say LOB is valued rather cheaply.
Industry RankSector Rank
PE 27.81
Fwd PE 9.65
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 96.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.97
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 55.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)1.04
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.
Compared to an average industry Dividend Yield of 3.38, LOB's dividend is way lower than its industry peers. On top of this 87.63% of the companies listed in the same industry pay a better dividend than LOB!
Compared to an average S&P500 Dividend Yield of 2.30, 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 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
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

9.10% 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.
DP9.1%
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 (7/25/2025, 8:04:00 PM)

After market: 33.93 0 (0%)

33.93

+1.4 (+4.3%)

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 Cap1.55B
Analysts48
Price Target33.15 (-2.3%)
Short Float %5.28%
Short Ratio7.55
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 27.81
Fwd PE 9.65
P/S 3.04
P/FCF 2.97
P/OCF 2.81
P/B 1.51
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)1.22
EY3.6%
EPS(NY)3.51
Fwd EY10.36%
FCF(TTM)11.41
FCFY33.64%
OCF(TTM)12.07
OCFY35.58%
SpS11.17
BVpS22.52
TBVpS21.27
PEG (NY)0.59
PEG (5Y)1.04
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
WACC32.45%
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 Year20.26%
Revenue Next 2Y15.42%
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