Live Oak Bancshares Inc (OQ:LOB)

Business Focus: Commercial Banks

Valuation Ratios

LOB
Industry
Sector
Beta
1.00
--
--
Price to Sales - TTM
3.32
3.48
4.57
Price to Book - most recent quarter
1.33
1.29
1.40
Price to Cash Flow per share - TTM
11.41
12.66
12.36
Price to Free Cash Flow per share - TTM
--
17.66
18.36

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
0.73
2.62
4.77
Payout Ratio - TTM
11.57
35.76
66.50

Growth Rate

LOB
Industry
Sector
Revenue Change % - most recent quarter vs 1 yr ago
42.54
16.06
11.31
Revenue Change % - TTM over TTM
50.36
16.98
11.81
Growth Rate % - revenue 5 yr
60.44
10.52
9.33
EPS Change % - most recent quarter vs 1 yr ago
-80.73
4.56
-13.75
EPS Change % - TTM over TTM
-53.88
14.77
-11.84
Growth Rate % - EPS 5 yr-1.90
9.47
8.38
--
Growth Rate % - capital spending 5 yr
70.50
8.34
7.66

Financial Strength

LOB
Industry
Sector
Quick Ratio - most recent quarter
--
--
1.23
Current Ratio - most recent quarter
--
--
1.64
LT Debt/Equity - most recent quarter
0.00
30.29
70.78
Total Debt/Total Equity - most recent quarter
0.28
40.24
85.85
Net Interest Coverage - TTM
--
0.47
0.07

Profitability Ratios

LOB
Industry
Sector
Gross Margin % - TTM
--
58.50
55.65
Gross Margin % - 5 yr avg.
--
56.03
58.10
Operation Margin % - TTM
17.96
23.49
-28.52
Operation Margin % - 5 yr avg
27.22
26.46
-24.86
Pretax Margin % - TTM
17.96
23.51
-47.36
Pretax Margin % - 5 yr avg.
27.22
26.43
-27.87
Net Profit Margin % - TTM
20.78
17.34
-49.07
Net Profit Margin % - 5 yr avg.
22.67
19.34
-29.86

Efficiency

LOB
Industry
Sector
Revenue/Employee - TTM
--
--
953,712.27
Net Income/Employee - TTM
--
--
-6,599.77
Receivables Turnover - TTM
--
10.50
14.13
Inventory Turnover - TTM
--
--
12.92
Asset Turnover - TTM
--
0.12
0.31

Management Effectiveness

LOB
Industry
Sector
Return on Average Assets % - TTM
1.11
0.83
-24.58
Return on Average Assets % - 5 yr avg.
2.14
0.82
-11.45
Return on Investment - TTM
--
-2.07
-7.84
Return on Investment - 5 yr avg.
2.14
0.82
-11.45
Return on Average Equity % - TTM
8.77
6.74
0.10
Return on Average Equity % - 5 yr avg.
14.52
7.83
3.59