Live Oak Bancshares, Inc. (LOB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 285 | 442 | 392 | 434 | 493 | 581 | 617 | - |
| Operating profit | $m | 161 | 203 | ||||||
| Net profit | $m | 60 | 167 | 176 | 74 | 77 | 104 | 137 | 144 |
| EPS reported | $ | 2.22 | 2.84 | ||||||
| Operating cashflow per share | $ | 3.45 | -0.79 | ||||||
| Capex per share | $ | 0.32 | 0.34 | ||||||
| FCF per share | $ | 3.13 | -1.13 | ||||||
| Free cash flow | $m | 143 | -52 | ||||||
| Net debt | $m | -1,624 | -828 | ||||||
| Book value equity | $m | 1,250 | 1,313 | ||||||
| Book value per share | $ | 27.00 | 28.18 | ||||||
| Number of shares | m | 46.3 | 46.59 | ||||||
| DPS (TTM paid) | $ | 0.12 | 0.12 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 15.47 | 13.20 | ||||||
| P/B LTM | x | 1.26 | 1.20 | ||||||
| P/S LTM | x | 2.71 | 2.56 | ||||||
| P/FCF LTM | x | 10.99 | -30.19 | ||||||
| EV/EBITDA LTM | x | 4.40 | 3.60 | ||||||
| EV/Sales LTM | x | 0.78 | 2.49 | ||||||
| Earnings Yield LTM | % | +6.46% | +7.58% | ||||||
| FCF Yield | % | +9.10% | -3.31% | ||||||
| Quality | |||||||||
| ROE | % | +8.30% | +10.91% | ||||||
| ROIC | % | +7.17% | +0.86% | ||||||
| Operating margin | % | +15.46% | +18.75% | ||||||
| Gross margin | % | +48.31% | +50.46% | ||||||
| FCF/Sales | % | +13.78% | -4.83% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +31.36% | +68.05% | ||||||
| Sales Growth YoY | % | +17.92% | +25.18% | ||||||
| Net Income Growth YoY | % | +33.95% | +77.44% | ||||||
| FCF Growth | % | -70.55% | - | ||||||
| Operating Profit Growth | % | +80.40% | +126.98% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.54% | +0.28% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +8.30% | +9.69% | ||||||
| FCF/Debt | x | 1.40 | -0.52 | ||||||
| Net Debt/EBITDA | x | -4.12 | 3.06 | ||||||
| EBIT/Net interest | x | 0.35 | 0.44 | ||||||
| Net debt/market cap | % | +6.49% | +4.98% | ||||||
| Net debt/Equity | x | -1.30 | -0.63 | ||||||
| Gross debt/equity | x | 0.08 | 0.08 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Live Oak Bancshares, Inc. (LOB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.
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