Live Oak Bancshares Inc (OQ:LOB)

Business Focus: Commercial Banks

Valuation Ratios

LOB
Industry
Sector
Beta
1.08
--
--
Price to Sales - TTM
4.02
3.51
4.57
Price to Book - most recent quarter
1.48
1.26
1.40
Price to Cash Flow per share - TTM
15.38
12.85
12.76
Price to Free Cash Flow per share - TTM
--
18.60
20.42

Analysts

Latest
6 Months
1 Year
Consensus Recommendations
BUY
BUY
BUY
Number of Analysts
2.00
2.00
2.00

Dividends

LOB
Industry
Sector
Dividend Yield - indicated annual
0.63
2.57
4.74
Payout Ratio - TTM
14.93
34.25
65.33

Growth Rate

LOB
Industry
Sector
Revenue Change % - most recent quarter vs 1 yr ago
34.56
13.59
10.00
Revenue Change % - TTM over TTM
42.31
16.61
11.29
Growth Rate % - revenue 5 yr
60.44
10.56
9.46
EPS Change % - most recent quarter vs 1 yr ago
-64.85
14.80
-5.02
EPS Change % - TTM over TTM
-65.15
10.38
-8.22
Growth Rate % - EPS 5 yr-1.90
9.66
8.52
--
Growth Rate % - capital spending 5 yr
70.50
7.99
7.82

Financial Strength

LOB
Industry
Sector
Quick Ratio - most recent quarter
--
--
1.21
Current Ratio - most recent quarter
--
--
1.70
LT Debt/Equity - most recent quarter
0.00
30.23
70.90
Total Debt/Total Equity - most recent quarter
0.27
41.86
84.27
Net Interest Coverage - TTM
--
0.10
0.26

Profitability Ratios

LOB
Industry
Sector
Gross Margin % - TTM
--
58.50
55.56
Gross Margin % - 5 yr avg.
--
56.03
58.84
Operation Margin % - TTM
14.03
23.50
-26.61
Operation Margin % - 5 yr avg
27.22
26.13
-24.14
Pretax Margin % - TTM
14.03
23.83
-43.45
Pretax Margin % - 5 yr avg.
27.22
26.50
-26.64
Net Profit Margin % - TTM
16.89
17.15
-46.03
Net Profit Margin % - 5 yr avg.
22.67
19.39
-28.72

Efficiency

LOB
Industry
Sector
Revenue/Employee - TTM
--
738,406.80
962,575.67
Net Income/Employee - TTM
--
4,355.93
12,615.48
Receivables Turnover - TTM
--
13.91
13.74
Inventory Turnover - TTM
--
--
13.18
Asset Turnover - TTM
--
0.10
0.30

Management Effectiveness

LOB
Industry
Sector
Return on Average Assets % - TTM
0.83
0.81
-24.38
Return on Average Assets % - 5 yr avg.
2.14
0.82
-11.23
Return on Investment - TTM
--
-0.95
-6.41
Return on Investment - 5 yr avg.
2.14
0.82
-11.23
Return on Average Equity % - TTM
6.58
6.35
0.63
Return on Average Equity % - 5 yr avg.
14.52
7.80
3.33