NYSE: LOBLive Oak Bancshares Inc Stock
$27.34-0.06 (-0.22%)
Updated Mar 21, 2025
LOB Price
$27.34
Fair Value Price
N/A
Market Cap
$1.25B
52 Week Low
$26.50
52 Week High
$50.57
P/E
15.9x
P/B
1.25x
P/S
4.43x
PEG
0.57x
Dividend Yield
0.33%
Revenue
$403.47M
Earnings
$77.47M
Gross Margin
100%
Operating Margin
22.13%
Profit Margin
19.2%
Debt to Equity
11.95
Operating Cash Flow
$536M
Beta
1.57
Next Earnings
Apr 22, 2025
Ex-Dividend
N/A
Next Dividend
N/A
LOB Overview
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine LOB's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
LOB
Ranked#284 of 292
Ranked#284 of 292
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $29.50 | B | |
| $34.09 | B | |
| $13.96 | B |
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LOB News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how LOB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
LOB ($27.34) is trading above its intrinsic value of $26.50, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
LOB is good value based on its earnings relative to its share price (15.9x), compared to the US market average (31.55x)
P/E vs Market Valuation
LOB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more LOB due diligence checks available for Premium users.
Valuation
LOB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
15.9x
Industry
12.99x
Market
31.55x
LOB is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
LOB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
LOB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.25x
Industry
1.12x
LOB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
LOB price to earnings growth (PEG)
For valuing profitable companies with growth potential
LOB is good value based... subscribe to Premium to read more.
PEG Value Valuation
LOB's financial health
Profit margin
Revenue
$94.5M
Net Income
$9.9M
Profit Margin
10.5%
LOB's Earnings (EBIT) of $89.29M... subscribe to Premium to read more.
Interest Coverage Financials
LOB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$12.9B
Liabilities
$11.9B
Debt to equity
11.95
LOB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
LOB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$170.7M
Investing
-$586.2M
Financing
$357.8M
LOB's operating cash flow ($536.47M)... subscribe to Premium to read more.
Debt Coverage Financials
LOB vs Bank Stocks
Live Oak Bancshares Stock FAQ
Company
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