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Live Oak Bancshares, Inc. (NYSE:LOB)
38.365 USD
+0.035 0.091%Sponsored Reports
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| Previous Close (in USD) | 38.33 |
|---|---|
| Change | +0.035 0.091% |
| 52 W H/L (in USD) | 46.120/17.250 |
| EBITDA (in USD) | -- |
| PE Ratio | 33.26 |
| Volume | 19000 |
| Diluted Eps TTM | 1.32 |
| Total Assets (in USD) | 9855.498M |
|---|---|
| Total Liabilities (in USD) | 9044.465M |
| Revenue TTM (in USD) | 371.814M |
| Cash (in USD) | 284.239M |
| Market Cap (in USD) | 1,952.747 M |
| Revenue Per Share TTM | 8.407 |
| Gross Profit TTM (in USD) | 508.333M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Live Oak Bancshares Inc
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. It operates in two segments, Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, certificate of deposits, 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, it 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. The company was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
Employees: 956
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. James S. Mahan III | Chairman & CEO | 1952 |
| 2. | Mr. Neil Lawrence Underwood | Pres & Director | 1969 |
| 3. | Mr. William C. Losch III | CFO & Chief Banking Officer | 1971 |
| 4. | Mr. Huntley Garriott Jr. | Pres of Live Oak Banking Company | 1976 |
| 5. | Mr. Renato Derraik | Chief Information & Digital Officer of Bank | 1972 |
| 6. | Mr. William L. Williams III | Vice Chairman & Exec. VP | 1952 |
| 7. | Mr. Mark Moroz | Exec. VP & Head of Operations and Payments | NA |
| 8. | Mr. John Wesley Sutherland | Chief Accounting Officer | 1971 |
| 9. | Mr. Gregory W. Seward | Chief Risk Officer & Gen. Counsel | 1976 |
| 10. | Ms. Claire Parker | Sr. VP of Corp. Communications | NA |
Peers
Sector: Financial Services
Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
HDB
HDFC Bank Limited ADR |
+0.420 1.698% | 24.95 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
-0.090 0.283% | 31.69 | 7.780 | 7.645 | 0.562 | 0.901 | 3.617 | 0.000 |
|
DBSDF
DBS Group Holdings Ltd |
0.000 0.000% | 50.1 | 15.290 | 14.409 | 5.843 | 2.364 | 10.400 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
0.000 0.000% | 6.08 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 210.324M | 210.788M | 47.389M | 23.465M | 46.046M |
| Minority Interest | - | - | - | - | 0M |
| Net Income | 176.208M | 166.995M | 59.543M | 18.034M | 51.448M |
| Selling General Administrative | 180.578M | 155.992M | 135.793M | 110.267M | 102.723M |
| Gross Profit | 391.858M | 441.985M | 284.624M | 205.977M | 205.841M |
| Reconciled Depreciation | 20.779M | 21.366M | 21.688M | 19.967M | 16.386M |
| Ebit | 327.296M | 210.788M | 47.389M | 23.465M | 100.646M |
| Ebitda | 348.075M | 232.154M | 69.077M | 43.432M | 117.032M |
| Depreciation And Amortization | 20.779M | 21.366M | 21.688M | 19.967M | 16.386M |
| Operating Income | 327.296M | 210.788M | 47.389M | 23.465M | 100.646M |
| Other Operating Expenses | -64.562M | -231.197M | -237.235M | -182.512M | 105.195M |
| Interest Expense | 116.972M | 64.428M | 93.685M | 87.898M | 54.6M |
| Tax Provision | 34.116M | 43.793M | -12.154M | 5.431M | -5.402M |
| Interest Income | 444.473M | 361.213M | 288.408M | 227.98M | 162.643M |
| Net Interest Income | 327.501M | 296.785M | 194.723M | 140.082M | 108.043M |
| Income Tax Expense | 34.116M | 43.793M | -12.154M | 5.431M | -5.402M |
| Total Revenue | 391.858M | 441.985M | 284.624M | 205.977M | 205.841M |
| Total Operating Expenses | -64.562M | -231.197M | -237.235M | -182.512M | -105.195M |
| Cost Of Revenue | - | - | - | - | 67.658M |
| Total Other Income Expense Net | -116.972M | -64.428M | -93.685M | -87.898M | -54.6M |
| Net Income From Continuing Ops | 176.208M | 166.995M | 59.543M | 18.034M | 51.448M |
| Net Income Applicable To Common Shares | 176.208M | 166.995M | 59.543M | 18.034M | 51.448M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Total Assets | 9855.498M | 8213.393M | 7872.303M | 4814.97M | 3670.449M |
| Intangible Assets | 26.323M | 33.574M | 33.918M | 35.365M | 47.641M |
| Other Current Assets | -1018.719M | -910.802M | -756.598M | -547.295M | -689.783M |
| Total Liab | 9044.465M | 7498.26M | 7304.453M | 2.633M | 3176.889M |
| Total Stockholder Equity | 811.033M | 715.133M | 567.85M | 532.386M | 493.56M |
| Other Current Liab | -50M | -8M | -14.488M | 4282.575M | 3175.436M |
| Common Stock | 330.854M | 312.294M | 310.619M | 340.397M | 328.113M |
| Capital Stock | 330.854M | 312.294M | 310.619M | 340.397M | 328.113M |
| Retained Earnings | 572.497M | 400.893M | 235.724M | 180.265M | 167.124M |
| Good Will | - | - | - | - | - |
| Other Assets | 7278.531M | 5969.14M | 5809.173M | 3319.352M | 2322.872M |
| Cash | 284.239M | 191.953M | 303.667M | 134.002M | 324.073M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 50M | 8M | 14.488M | 2.619M | 1.441M |
| Current Deferred Revenue | - | - | - | - | - |
| Net Debt | -151.036M | 126.336M | 1238.426M | -131.369M | -322.616M |
| Short Term Debt | 50M | 8M | 14.488M | 2.619M | 1.441M |
| Short Long Term Debt | 50M | 8M | 14.488M | - | 1.441M |
| Short Long Term Debt Total | 133.203M | 318.289M | 1542.093M | 2.633M | 1.457M |
| Other Stockholder Equity | -92.318M | 1.946M | 21.507M | 11.724M | 0.323M |
| Property Plant Equipment | 263.29M | 240.196M | 259.267M | 280.943M | 226.344M |
| Total Current Assets | 1298.958M | 1098.005M | 1053.765M | 674.047M | 704.563M |
| Long Term Investments | 1014.719M | 906.052M | 7018.344M | 540.045M | 380.49M |
| Short Term Investments | 1014.719M | 906.052M | 750.098M | 540.045M | 380.49M |
| Net Receivables | 26.323M | 33.574M | 33.918M | - | - |
| Long Term Debt | 83.203M | 318.289M | 1542.093M | 0.014M | 0.016M |
| Inventory | - | 0.62M | 5.09M | 5.612M | 1.094M |
| Accounts Payable | 8884.928M | 7112.044M | 5712.828M | 4226.98M | 3149.583M |
| Accumulated Other Comprehensive Income | -92.318M | 1.946M | 21.507M | 11.724M | -1.677M |
| Non Currrent Assets Other | -1278.009M | -1146.248M | -1009.365M | -821.571M | -643.014M |
| Non Current Assets Total | 1278.009M | 1146.248M | 1009.365M | 821.571M | 643.014M |
| Capital Lease Obligations | - | 0.005M | 0.009M | 2.633M | - |
| Long Term Debt Total | 83.203M | 318.289M | 1542.093M | 0.023M | 0.012M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -1391.772M | -162.579M | -2599.934M | -647.658M | -740.446M |
| Total Cashflows From Investing Activities | -1442.344M | -149.803M | -2607.469M | -673.164M | -850.585M |
| Total Cash From Financing Activities | 1530.745M | 154.95M | 2977.381M | 1073.805M | 860.616M |
| Net Income | 176.208M | 166.995M | 59.543M | 18.034M | 51.448M |
| Change In Cash | 212.886M | -114.57M | 96.923M | -93.284M | 21.552M |
| Begin Period Cash Flow | 203.75M | 318.32M | 221.397M | 316.823M | 295.271M |
| End Period Cash Flow | 416.636M | 203.75M | 318.32M | 223.539M | 316.823M |
| Total Cash From Operating Activities | 124.485M | -119.717M | -272.989M | -493.925M | 11.521M |
| Depreciation | 20.779M | 21.366M | 21.688M | 19.967M | 16.386M |
| Other Cashflows From Investing Activities | -6.821M | 15.858M | 13.454M | 11.691M | 1.183M |
| Dividends Paid | -5.266M | -5.186M | -4.906M | -4.827M | 4.809M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | 3.185M | -0.953M | 3.589M | 0.945M | 1.968M |
| Other Cashflows From Financing Activities | 1833.193M | -19.151M | 3268.241M | 1080.075M | 890.55M |
| Capital Expenditures | 43.751M | 3.082M | 20.989M | 37.197M | 111.322M |
| Change In Working Capital | -22.063M | 2.078M | -74.255M | -4.854M | -15.406M |
| Other Non Cash Items | -97.915M | -351.915M | -277.258M | -540.287M | -44.147M |
| Free Cash Flow | 80.734M | -122.799M | -293.978M | -531.122M | -99.801M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | T. Rowe Price Small-Cap Value | 2 years ago | 2477536 |
| 2. | Diamond Hill Small-Mid Cap Equity | 2 years ago | 1503324 |
| 3. | T. Rowe Price U.S. SC Value Eq Tr-Z | 2 years ago | 1105178 |
| 4. | T. Rowe Price US Small-Cap Core Equity | 2 years ago | 1086493 |
| 5. | T. Rowe Price Small-Cap Stock | 2 years ago | 1086493 |
| 6. | Diamond Hill Small-Mid Cap I | 2 years ago | 1046276 |
| 7. | Vanguard Total Stock Mkt Idx Inv | 2 years ago | 1036424 |
| 8. | SouthernSun Small Cap | 2 years ago | 1018597 |
| 9. | iShares Russell 2000 ETF | 2 years ago | 851264 |
| 10. | American Beacon Small Cp Val R5 | 2 years ago | 824811 |
| 11. | CT (Lux) Glb Smlr Coms IE | 2 years ago | 550294 |
| 12. | T. Rowe Price Instl Small-Cap Stock | 2 years ago | 541005 |
| 13. | T. Rowe Price U.S. SC Core Eq Tr-Z | 2 years ago | 527212 |
| 14. | Vanguard Institutional Extnd Mkt Idx Tr | 2 years ago | 477950 |
| 15. | SouthernSun Small Cap, N | 2 years ago | 468009 |
| 16. | Vanguard Small Cap Index | 2 years ago | 428819 |
| 17. | Diamond Hill Small Cap Equity | 2 years ago | 337651 |
| 18. | Diamond Hill Small Cap Inv | 2 years ago | 322650 |
| 19. | CREF Stock R1 | 2 years ago | 322371 |
| 20. | Fidelity® Small Cap Index | 2 years ago | 316411 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | T. Rowe Price Investment Management,Inc. | 2 years ago | 6367001 |
| 2. | BlackRock Inc | 2 years ago | 2605849 |
| 3. | Vanguard Group Inc | 2 years ago | 2481557 |
| 4. | Diamond Hill Capital Management Inc | 2 years ago | 2126208 |
| 5. | Barrow Hanley Mewhinney & Strauss LLC | 2 years ago | 1757384 |
| 6. | Dimensional Fund Advisors, Inc. | 2 years ago | 1266725 |
| 7. | SouthernSun Asset Management, LLC | 2 years ago | 1044614 |
| 8. | State Street Corporation | 2 years ago | 956148 |
| 9. | Ameriprise Financial Inc | 2 years ago | 775191 |
| 10. | Geode Capital Management, LLC | 2 years ago | 680843 |
| 11. | Nuveen Asset Management, LLC | 2 years ago | 449604 |
| 12. | Manufacturers Life Insurance Co | 2 years ago | 370164 |
| 13. | D. E. Shaw & Co LP | 2 years ago | 317674 |
| 14. | Northern Trust Corp | 2 years ago | 298478 |
| 15. | American Century Companies Inc | 2 years ago | 287714 |
| 16. | Hotchkis & Wiley Capital Management LLC | 2 years ago | 283548 |
| 17. | Millennium Management LLC | 2 years ago | 261391 |
| 18. | Charles Schwab Investment Management Inc | 2 years ago | 256252 |
| 19. | Vident Advisory, LLC | 2 years ago | 251050 |
| 20. | Motley Fool Wealth Management LLC | 2 years ago | 242619 |
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