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

LOB POWR Grades

• Momentum is the dimension where LOB ranks best; there it ranks ahead of 92.61% of US stocks.
• The strongest trend for LOB is in Value, which has been heading up over the past 178 days.
• LOB's current lowest rank is in the Growth metric (where it is better than 15.78% of US stocks).

LOB Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.67 for LIVE OAK BANCSHARES INC; that's greater than it is for 93.85% of US stocks.
• With a year-over-year growth in debt of -93.81%, LIVE OAK BANCSHARES INC's debt growth rate surpasses merely 1.33% of about US stocks.
• LIVE OAK BANCSHARES INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 36.84%, greater than the shareholder yield of 95.77% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to LIVE OAK BANCSHARES INC are ESQ, AX, MNSB, RELI, and PGC.
• 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 EV/EBIT ratio is 4.3; this is 62.28% lower than that of the median Financial Services stock.
• LOB's price/sales ratio has moved down 6 over the prior 89 months.

Below are key valuation metrics over time for LOB.

LOB Growth Metrics

Its 3 year net income to common stockholders growth rate is now at 291.8%.
• The 3 year net cashflow from operations growth rate now stands at 226.31%.
• Its 5 year revenue growth rate is now at 46.87%.

LOB's revenue has moved up $358,335,000 over the prior 33 months.

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
2022-09-30	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
2021-06-30	388.21	-312.682	166.377

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.