Live Oak Bancshares, Inc.
General ticker "LOB" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $1.5B (TTM average)
Live Oak Bancshares, Inc. follows the US Stock Market performance with the rate: 46.8%.
Estimated limits based on current volatility of 1.3%: low 32.62$, high 33.47$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-02, amount 0.03$ (Y0.37%)
- Total employees count: 1008 (+6.9%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Regulatory and compliance, Pandemic risks, Interest rate fluctuations, Expansion risks
- Earnings for 9 months up through Q3 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [30.42$, 47.12$]
- 2025-12-31 to 2026-12-31 estimated range: [25.60$, 41.39$]
Financial Metrics affecting the LOB estimates:
- Negative: with PPE of 27.3 at the end of fiscal year the price was very high
- Positive: 7.86 < Operating profit margin, % of 9.60
- Positive: Operating cash flow per share per price, % of 30.20 > 13.24
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Negative: Shareholder equity ratio, % of 7.72 <= 18.93
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.59
Short-term LOB quotes
Long-term LOB plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $508.83MM | $776.55MM | $929.29MM |
| Operating Expenses | $298.51MM | $693.72MM | $840.05MM |
| Operating Income | $210.32MM | $82.83MM | $89.23MM |
| Interest Expense | $116.97MM | $342.97MM | $436.47MM |
| Income(Loss) | $210.32MM | $82.83MM | $89.23MM |
| Taxes | $34.12MM | $8.93MM | $11.82MM |
| Profit(Loss)* | $176.21MM | $73.90MM | $77.47MM |
| Stockholders Equity | $811.03MM | $902.67MM | $999.03MM |
| Assets | $9,855.50MM | $11,271.42MM | $12,943.38MM |
| Operating Cash Flow | $124.48MM | $620.07MM | $536.47MM |
| Capital expenditure | $43.75MM | $46.84MM | $49.31MM |
| Investing Cash Flow | $-1,442.34MM | $-1,774.92MM | $-2,079.10MM |
| Financing Cash Flow | $1,530.74MM | $1,320.76MM | $1,568.89MM |
| Earnings Per Share** | $4.02 | $1.67 | $1.72 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.