LOB - Live Oak Bancshares Inc Stock Price, Fair Value and News

36.69USD+0.48 (+1.33%)Delayed as of 17 May 2024, 11:54 am ET

Market Summary

USD36.69+0.48

Delayedas of 17 May 2024, 11:54 am

1.33%

LOB Alerts

Big jump in Earnings (Y/Y)

LOB Stock Price

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LOB RSI Chart

LOB Valuation

Market Cap

1.6B

Price/Earnings (Trailing)

16.11

Price/Sales (Trailing)

2.37

EV/EBITDA

2.17

Price/Free Cashflow

3.29

LOB Price/Sales (Trailing)

LOB Profitability

EBT Margin

14.72%

Return on Equity

10.9%

Return on Assets

0.88%

Free Cashflow Yield

30.36%

LOB Fundamentals

LOB Revenue

Revenue (TTM)

688.3M

Rev. Growth (Yr)

36.55%

Rev. Growth (Qtr)

3.28%

LOB Earnings

Earnings (TTM)

101.1M

Earnings Growth (Yr)

6.8K%

Earnings Growth (Qtr)

70.67%

Breaking Down LOB Revenue

52 Week Range

21.5538.37

(Low)(High)

Last 7 days

1.8%

Last 30 days

-1.9%

Last 90 days

-8.5%

Trailing 12 Months

54.1%

How does LOB drawdown profile look like?

LOB Financial Health

Debt/Equity

2e-5

Debt/Cashflow

36.8K

LOB Investor Care

Dividend Yield

0.33%

Dividend/Share (TTM)

0.12

Shares Dilution (1Y)

1.48%

Diluted EPS (TTM)

2.23

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	0	0	0	0
2023	503.1M	573.6M	638.3M	688.3M
2022	365.8M	377.0M	400.1M	444.5M
2021	313.2M	334.3M	352.1M	361.2M
2020	241.5M	253.2M	267.2M	288.4M
2019	177.5M	191.7M	210.9M	228.0M
2018	118.1M	134.7M	148.4M	162.6M
2017	68.8M	80.4M	91.9M	103.5M
2016	40.2M	45.9M	51.6M	57.3M
2015	24.0M	27.5M	31.0M	34.5M
2014	0	17.1M	18.8M	20.6M
2013	0	0	0	15.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Live Oak Bancshares Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 02, 2024	williams william l. iii	gifted	-	-	-137,025	-
May 02, 2024	williams william l. iii	gifted	-	-	137,025	-
May 01, 2024	petty miltom emmett	acquired	-	-	3,625	-
May 01, 2024	glossman diane beth	acquired	-	-	3,625	-
May 01, 2024	valine yousef a.	acquired	-	-	3,625	-
May 01, 2024	bradford tonya williams	acquired	-	-	3,625	-
May 01, 2024	lucht david g	acquired	-	-	3,625	-
May 01, 2024	hoffsis glen f.	acquired	-	-	3,625	-
May 01, 2024	cameron william henderson	acquired	-	-	3,625	-
Mar 11, 2024	davis micah s	sold	-343,421	39.8724	-8,613	chief marketing & comm officer

Which funds bought or sold LOB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	Anchor Investment Management, LLC	added	50.00	8,383	31,133	-%
May 15, 2024	PRICE T ROWE ASSOCIATES INC /MD/	added	8.5	-9,000	917,000	-%
May 15, 2024	HOWE & RUSLING INC	unchanged	-	-31,353	326,186	0.03%
May 15, 2024	DEUTSCHE BANK AG\	added	0.68	-260,175	2,931,100	-%
May 15, 2024	OCCUDO QUANTITATIVE STRATEGIES LP	sold off	-100	-384,794	-	-%
May 15, 2024	Squarepoint Ops LLC	new	-	467,071	467,071	-%
May 15, 2024	Tudor Investment Corp Et Al	new	-	500,652	500,652	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	added	23.9	712,747	6,181,260	-%
May 15, 2024	PUBLIC EMPLOYEES RETIREMENT ASSOCIATION OF COLORADO	unchanged	-	-21,000	216,000	-%
May 15, 2024	Royal Bank of Canada	reduced	-57.31	-406,000	257,000	-%

Are Funds Buying or Selling LOB?

Are funds buying LOB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own LOB

No. of Funds

LOB Alerts

Big jump in Earnings (Y/Y)

Unveiling Live Oak Bancshares Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	t. rowe price investment management, inc.	14.3%	6,365,830	SC 13G/A
Feb 14, 2024	ameriprise financial inc	1.99%	884,296	SC 13G/A
Feb 13, 2024	vanguard group inc	5.64%	2,509,008	SC 13G/A
Jan 29, 2024	blackrock inc.	6.5%	2,887,100	SC 13G/A
Feb 16, 2023	blackrock inc.	5.3%	2,325,349	SC 13G/A
Feb 14, 2023	ameriprise financial inc	5.04%	2,216,885	SC 13G
Feb 14, 2023	t. rowe price investment management, inc.	14.2%	6,232,708	SC 13G/A
Feb 13, 2023	capital research global investors	0.0%	0	SC 13G/A
Feb 10, 2023	mahan james s iii	15.4%	0	SC 13G/A
Feb 09, 2023	vanguard group inc	5.57%	2,449,962	SC 13G/A

Recent SEC filings of Live Oak Bancshares Inc

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 15, 2024	144	Notice of Insider Sale Intent
May 10, 2024	10-Q	Quarterly Report
May 06, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading
May 03, 2024	4	Insider Trading

Peers (Alternatives to Live Oak Bancshares Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Live Oak Bancshares Inc News

Latest updates

Live Oak Bancshares Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-100.0%	-	187	181	170	151	137	116	99.00	93.00	92.00	93.00	88.00	88.00	83.00	75.00	67.00	63.00	62.00	61.00	55.00	50.00
EBITDA Margin	5.9%	0.69*	0.65*	0.67*	0.74*	1.04*	1.26*	1.49*	1.57*	1.47*	1.46*	1.36*	1.36*	1.12*	0.91*	0.89*	-	-	-	-	-	-
Interest Expenses	0.6%	90.00	90.00	89.00	84.00	82.00	86.00	84.00	80.00	78.00	78.00	78.00	71.00	70.00	62.00	51.00	41.00	40.00	38.00	38.00	34.00	31.00
Income Taxes	-514.8%	-5.48	1.00	3.00	1.00	3.00	-1.07	2.00	25.00	8.00	18.00	9.00	13.00	4.00	-17.55	12.00	1.00	-7.78	2.00	2.00	1.00	0.00
Earnings Before Taxes	26.4%	22.00	17.00	43.00	19.00	4.00	1.00	44.00	122	43.00	48.00	43.00	76.00	44.00	12.00	45.00	5.00	-15.38	9.00	6.00	6.00	3.00
EBT Margin	22.3%	0.15*	0.12*	0.10*	0.12*	0.34*	0.47*	0.64*	0.68*	0.57*	0.58*	0.50*	0.53*	0.34*	0.16*	0.17*	-	-	-	-	-	-
Net Income	70.7%	28.00	16.00	40.00	18.00	0.00	2.00	43.00	97.00	35.00	30.00	34.00	64.00	39.00	30.00	34.00	4.00	-7.60	7.00	4.00	5.00	2.00
Net Income Margin	36.8%	0.15*	0.11*	0.09*	0.11*	0.28*	0.40*	0.51*	0.52*	0.44*	0.46*	0.47*	0.50*	0.34*	0.21*	0.14*	-	-	-	-	-	-
Free Cashflow	-53.4%	69.00	149	147	130	148	18.00	13.00	-86.96	136	13.00	-15.52	-82.77	-37.49	3.00	-213	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	2.1%	11,506	11,271	10,950	10,819	10,364	9,855	9,315	9,121	8,620	8,213	8,137	8,243	8,418	7,872	8,093	8,209	5,274	4,813	4,604	4,274	4,058
Cash Equivalents	2.5%	597	583	535	808	463	417	403	632	508	204	347	-	-	318	-	-	-	221	-	-	-
Net PPE	0.1%	258	258	258	269	268	263	260	258	255	240	244	249	254	259	254	269	274	279	281	281	272
Liabilities	2.0%	10,578	10,369	10,100	9,987	9,541	9,044	8,512	8,329	7,907	7,498	7,448	7,586	7,828	7,304	7,509	7,661	4,743	4,280	4,075	3,755	3,558
Short Term Borrowings	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.00	1.00	1.00
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	0.00	0.00
Shareholder's Equity	2.8%	928	903	850	832	823	811	802	792	713	715	689	657	590	568	584	548	534	532	528	519	500
Retained Earnings	4.1%	669	643	628	589	573	572	572	530	434	401	372	339	275	236	207	175	172	180	175	172	168
Float	-	-	-	-	876	-	-	-	1,119	-	-	-	1,888	-	-	-	442	-	-	-	518	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-46.6%	91.00	170	155	136	158	26.00	21.00	-78.77	156	14.00	-15.18	-82.21	-36.82	23.00	-213	21.00	-91.46	-127	-102	-145	-107
Cashflow From Investing	28.3%	-278	-388	-548	-244	-592	-539	-446	-203	-253	-197	66.00	139	-156	-93.39	-357	-1,989	-179	-104	-129	-149	-300
Cashflow From Financing	-23.8%	203	266	120	453	481	526	197	407	401	40.00	-142	-253	510	-245	-142	2,904	462	207	297	187	378
Dividend Payments	-100.0%	-	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00

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LOB Income Statement

2024-03-31

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income
Loans and fees on loans	$ 176,010	$ 139,052
Investment securities, taxable	8,954	7,547
Other interest earning assets	7,456	4,817
Total interest income	192,420	151,416
Interest expense
Deposits	101,998	67,595
Borrowings	311	1,804
Total interest expense	102,309	69,399
Net interest income	90,111	82,017
Provision for loan and lease credit losses	16,364	19,021
Net interest income after provision for loan and lease credit losses	73,747	62,996
Noninterest income
Loan servicing revenue	7,624	6,380
Loan servicing asset revaluation	(2,744)	356
Net gains on sales of loans	11,502	10,175
Net loss on loans accounted for under the fair value option	(219)	(4,529)
Equity method investments (loss) income	(5,022)	(2,952)
Equity security investments (losses) gains, net	(529)	77
Lease income	2,453	2,535
Management fee income	3,271	3,472
Other noninterest income	9,761	4,065
Total noninterest income	26,097	19,579
Noninterest expense
Salaries and employee benefits	47,275	44,765
Travel expense	2,438	2,411
Professional services expense	1,878	927
Advertising and marketing expense	3,692	3,603
Occupancy expense	2,247	1,925
Technology expense	7,723	7,729
Equipment expense	3,074	3,818
Other loan origination and maintenance expense	3,911	3,927
Renewable energy tax credit investment (recovery) impairment	(927)	69
FDIC insurance	3,200	3,403
Other expense	3,226	6,385
Total noninterest expense	77,737	78,962
Income before taxes	22,107	3,613
Income tax (benefit) expense	(5,479)	3,215
Net income	$ 27,586	$ 398
Basic earnings per share (in dollars per share)	$ 0.62	$ 0.01
Diluted earnings per share (in dollars per share)	$ 0.60	$ 0.01

LOB Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 597,394	$ 582,540
Certificates of deposit with other banks	250	250
Investment securities available-for-sale	1,120,622	1,126,160
Loans held for sale	310,749	387,037
Loans and leases held for investment (includes $379,222 and $388,036 measured at fair value, respectively)	8,912,561	8,633,847
Allowance for credit losses on loans and leases	(139,041)	(125,840)
Net loans and leases	8,773,520	8,508,007
Premises and equipment, net	258,071	257,881
Foreclosed assets	8,561	6,481
Servicing assets (includes $48,962 and $48,186 measured at fair value, respectively)	49,343	48,591
Other assets	387,059	354,476
Total assets	11,505,569	11,271,423
Deposits:
Noninterest-bearing	226,668	259,270
Interest-bearing	10,156,693	10,015,749
Total deposits	10,383,361	10,275,019
Borrowings	120,242	23,354
Other liabilities	74,248	70,384
Total liabilities	10,577,851	10,368,757
Shareholders’ equity
Preferred stock, no par value, 1,000,000 shares authorized, none issued or outstanding at March 31, 2024 and December 31, 2023	0	0
Retained earnings	669,307	642,817
Accumulated other comprehensive loss	(91,237)	(84,719)
Total shareholders’ equity	927,718	902,666
Total liabilities and shareholders’ equity	11,505,569	11,271,423
Class A Common Stock
Shareholders’ equity
Common stock	349,648	344,568
Class B Common Stock
Shareholders’ equity
Common stock	$ 0	$ 0

About Live Oak Bancshares Inc

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. It operates in two segments, Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, certificate of deposits, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, it provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. The company was incorporated in 2008 and is headquartered in Wilmington, North Carolina.

CEO	Mr. James S. Mahan III
WEBSITE	liveoakbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	984

Live Oak Bancshares Inc Frequently Asked Questions

What is the ticker symbol for Live Oak Bancshares Inc? What does LOB stand for in stocks?

LOB is the stock ticker symbol of Live Oak Bancshares Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Live Oak Bancshares Inc (LOB)?

As of Thu May 16 2024, market cap of Live Oak Bancshares Inc is 1.63 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of LOB stock?

You can check LOB's fair value in chart for subscribers.

What is the fair value of LOB stock?

You can check LOB's fair value in chart for subscribers. The fair value of Live Oak Bancshares Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Live Oak Bancshares Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for LOB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Live Oak Bancshares Inc a good stock to buy?

The fair value guage provides a quick view whether LOB is over valued or under valued. Whether Live Oak Bancshares Inc is cheap or expensive depends on the assumptions which impact Live Oak Bancshares Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for LOB.

What is Live Oak Bancshares Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, LOB's PE ratio (Price to Earnings) is 16.11 and Price to Sales (PS) ratio is 2.37. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. LOB PE ratio will change depending on the future growth rate expectations of investors.