Live Oak Bancshares, Inc. (LOB): Price and Financial Metrics

LOB POWR Grades

• LOB scores best on the Momentum dimension, with a Momentum rank ahead of 81.87% of US stocks.
• LOB's strongest trending metric is Quality; it's been moving down over the last 177 days.
• LOB ranks lowest in Sentiment; there it ranks in the 1st percentile.

LOB Stock Summary

• LOB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.67% of US stocks.
• With a year-over-year growth in debt of -73.86%, LIVE OAK BANCSHARES INC's debt growth rate surpasses merely 2.78% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for LOB comes in at 22.17% -- higher than that of 91.82% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to LIVE OAK BANCSHARES INC, a group of peers worth examining would be BFC, HBT, NAPA, CWBC, and WMPN.
• LOB's SEC filings can be seen here. And to visit LIVE OAK BANCSHARES INC's official web site, go to www.liveoakbank.com.

LOB Valuation Summary

• LOB's price/sales ratio is 2.2; this is 120% higher than that of the median Financial Services stock.
• LOB's price/sales ratio has moved down 6.5 over the prior 93 months.

Below are key valuation metrics over time for LOB.

LOB Growth Metrics

The year over year net cashflow from operations growth rate now stands at 134.25%.
• Its 3 year price growth rate is now at 169.55%.
• Its 4 year net income to common stockholders growth rate is now at -46.95%.

Over the past 15 months, LOB's revenue has gone up $125,781,000.

The table below shows LOB's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-12-31	524.55	124.485	176.208
2022-09-30	546.724	127.714	204.563
2022-06-30	517.975	76.985	195.534
2022-03-31	448.506	75.387	162.077
2021-12-31	441.775	-119.717	166.995
2021-09-30	398.769	-129.953	166.436

LOB's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• LOB has a Quality Grade of C, ranking ahead of 29% of graded US stocks.
• LOB's asset turnover comes in at 0.049 -- ranking 96th of 428 Banking stocks.
• BBDC, HMST, and FSBW are the stocks whose asset turnover ratios are most correlated with LOB.

The table below shows LOB's key quality metrics over time.