Stock LOB LIVE OAK BANCSHARES, INC.
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Financials Live Oak Bancshares, Inc.

Equities

LOB

US53803X1054

Banks

Market Closed - Nyse
Other stock markets
 04:00:01 2024-04-29 pm EDT 		5-day change 1st Jan Change
33.48 USD +0.90% Intraday chart for Live Oak Bancshares, Inc. -12.84% -26.42%
Apr. 25 Sector Update: Financial Stocks Retreat Late Afternoon MT
Apr. 25 Sector Update: Financial MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 765.9 1,929 3,788 1,328 2,024 1,505 -
Enterprise Value (EV) 1 765.9 1,929 3,788 1,328 2,024 1,505 1,505
P/E ratio 43.2 x 33.2 x 23.5 x 7.7 x 27.7 x 16.4 x 11.6 x
Yield 0.63% 0.25% 0.14% 0.4% 0.26% 0.36% 0.36%
Capitalization / Revenue 3.68 x 6.87 x 8.29 x 2.35 x 4.43 x 2.98 x 2.52 x
EV / Revenue 3.68 x 6.87 x 8.29 x 2.35 x 4.43 x 2.98 x 2.52 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.44 x 3.55 x 5.33 x 1.64 x 2.25 x 1.5 x 1.36 x
Nbr of stocks (in thousands) 40,287 40,642 43,401 43,984 44,482 44,939 -
Reference price 2 19.01 47.46 87.29 30.20 45.50 33.48 33.48
Announcement Date 1/22/20 1/27/21 1/25/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 208 280.7 457 565.5 457 505.2 595.9
EBITDA - - - - - - -
EBIT 1 - 88.05 226 251.3 134.2 175.1 228.9
Operating Margin - 31.36% 49.45% 44.43% 29.35% 34.66% 38.42%
Earnings before Tax (EBT) 1 23.46 47.39 210.8 210.3 82.83 123 176.6
Net income 1 18.03 59.54 167 176.2 73.9 93.32 132.5
Net margin 8.67% 21.21% 36.54% 31.16% 16.17% 18.47% 22.23%
EPS 2 0.4400 1.430 3.710 3.920 1.640 2.039 2.877
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.1200 0.1200 0.1200 0.1200 0.1200 0.1200 0.1200
Announcement Date 1/22/20 1/27/21 1/25/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 103 111.4 110.4 208.5 141.6 105 101.6 108.5 127.3 119.7 116.2 123.2 130 134.9 137.7
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - 51.7 44.73 7.084 30.16 20.39 22.63 32 53.04 26.48 37.53 41.17 45.73 49.3 48.57
Operating Margin - 46.41% 40.5% 3.4% 21.3% 19.42% 22.28% 29.51% 41.66% 22.12% 32.29% 33.41% 35.17% 36.55% 35.28%
Earnings before Tax (EBT) 1 43.23 47.78 42.9 122.3 - 0.717 3.613 18.97 42.76 17.48 21.16 30.2 34.25 36.65 34.43
Net income 1 33.84 30.15 34.51 97.04 42.87 1.792 0.398 17.54 39.79 16.16 16.55 22.48 25.62 27.42 25.8
Net margin 32.85% 27.06% 31.24% 46.55% 30.27% 1.71% 0.39% 16.18% 31.26% 13.5% 14.24% 18.24% 19.7% 20.33% 18.74%
EPS 2 0.7600 0.6600 0.7600 2.160 0.9600 0.0400 0.0100 0.3900 0.8800 0.3600 0.3600 0.4927 0.5595 0.5983 0.5633
Dividend per Share 2 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300 0.0300
Announcement Date 10/27/21 1/25/22 4/27/22 7/27/22 10/26/22 1/25/23 4/26/23 7/25/23 10/25/23 1/24/24 4/24/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 3.52% 10.8% 26% 10.6% - 9.86% 12.3%
ROA (Net income/ Total Assets) 0.43% 0.94% 2.08% 0.79% - 0.8% 0.99%
Assets 1 4,242 6,342 8,043 22,305 - 11,703 13,385
Book Value Per Share 2 13.20 13.40 16.40 18.40 20.20 22.40 24.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/27/21 1/25/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Live Oak Bancshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
33.48 USD
Average target price
42.25 USD
Spread / Average Target
+26.19%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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