Live Oak Bancshares Inc (OQ:LOB)

Business Focus: Commercial Banks

Valuation Ratios

LOB
Industry
Sector
Beta
0.87
--
--
Price to Sales - TTM
3.09
3.49
4.76
Price to Book - most recent quarter
1.33
1.29
1.43
Price to Cash Flow per share - TTM
9.61
13.37
12.81
Price to Free Cash Flow per share - TTM
--
17.04
18.50

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
0.74
2.53
4.70
Payout Ratio - TTM
9.30
36.56
64.82

Growth Rate

LOB
Industry
Sector
Revenue Change % - most recent quarter vs 1 yr ago
46.56
17.12
11.11
Revenue Change % - TTM over TTM
57.19
16.80
12.20
Growth Rate % - revenue 5 yr
60.44
10.64
9.39
EPS Change % - most recent quarter vs 1 yr ago
-79.22
11.46
-25.70
EPS Change % - TTM over TTM
-39.18
17.29
-10.43
Growth Rate % - EPS 5 yr-1.90
9.65
8.41
--
Growth Rate % - capital spending 5 yr
70.50
7.29
7.31

Financial Strength

LOB
Industry
Sector
Quick Ratio - most recent quarter
--
--
1.19
Current Ratio - most recent quarter
--
--
1.55
LT Debt/Equity - most recent quarter
0.00
31.15
70.73
Total Debt/Total Equity - most recent quarter
0.30
43.66
87.34
Net Interest Coverage - TTM
--
0.47
-0.12

Profitability Ratios

LOB
Industry
Sector
Gross Margin % - TTM
--
58.50
55.35
Gross Margin % - 5 yr avg.
--
56.03
57.84
Operation Margin % - TTM
21.74
23.62
-31.19
Operation Margin % - 5 yr avg
27.22
26.46
-23.17
Pretax Margin % - TTM
21.74
23.65
-48.25
Pretax Margin % - 5 yr avg.
27.22
26.44
-30.91
Net Profit Margin % - TTM
24.41
17.19
-49.40
Net Profit Margin % - 5 yr avg.
22.67
19.45
-32.86

Efficiency

LOB
Industry
Sector
Revenue/Employee - TTM
--
--
952,973.65
Net Income/Employee - TTM
--
--
-2,893.79
Receivables Turnover - TTM
--
10.50
14.63
Inventory Turnover - TTM
--
--
12.59
Asset Turnover - TTM
--
0.12
0.33

Management Effectiveness

LOB
Industry
Sector
Return on Average Assets % - TTM
1.61
0.82
-29.26
Return on Average Assets % - 5 yr avg.
2.14
0.82
-11.65
Return on Investment - TTM
--
-2.07
-8.35
Return on Investment - 5 yr avg.
2.14
0.82
-11.65
Return on Average Equity % - TTM
11.11
5.04
-1.06
Return on Average Equity % - 5 yr avg.
14.52
7.96
3.55