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Live Oak Bancshares Inc
NYSE:LOB

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Live Oak Bancshares Inc
NYSE:LOB
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Price: 47.77 USD 0.74% Market Closed
Market Cap: 2.2B USD
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Intrinsic Value

The intrinsic value of one LOB stock under the Base Case scenario is 54.04 USD. Compared to the current market price of 47.77 USD, Live Oak Bancshares Inc is Undervalued by 12%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

LOB Intrinsic Value
54.04 USD
Undervaluation 12%
Intrinsic Value
Price
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Valuation Backtest
Live Oak Bancshares Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Live Oak Bancshares Inc

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Loans/Deposits Ratio
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Financials
Annual
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TTM

Balance Sheet Decomposition
Live Oak Bancshares Inc

Net Loans 9.7B
Investments 1.8B
PP&E 267m
Intangibles 52.6m
Other Assets 830.9m
Total Deposits 11.4B
Long Term Debt 115.4m
Other Liabilities 83.7m

Wall St
Price Targets

LOB Price Targets Summary
Live Oak Bancshares Inc

Wall Street analysts forecast LOB stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for LOB is 48.96 USD with a low forecast of 44.44 USD and a high forecast of 54.6 USD.

Lowest
Price Target
44.44 USD
7% Downside
Average
Price Target
48.96 USD
2% Upside
Highest
Price Target
54.6 USD
14% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
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Safe
0
25
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Shareholder Yield

Current shareholder yield for LOB is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

LOB Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Live Oak Bancshares Inc

Country

United States of America

Industry

Banking

Market Cap

2.2B USD

Dividend Yield

0.25%

Description

Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. The company is headquartered in Wilmington, North Carolina and currently employs 788 full-time employees. The company went IPO on 2015-07-23. The firm conducts business operations primarily through its commercial bank subsidiary, Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. Its segments include Banking and Fintech. The Banking segment specializes in providing financing services to small businesses nationwide in industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment is involved in making strategic investments into emerging financial technology companies. The Fintech segment is comprised of the Company's direct wholly owned subsidiaries, Live Oak Ventures and Canapi Advisors, and the investments held by those entities, as well as the Bank's investment in Apiture. Its loan portfolio includes commercial and industrial loans; construction and development loans; commercial real estate, and commercial land.

Contact

NORTH CAROLINA
Wilmington
1741 Tiburon Dr
+19107905867.0

IPO

2015-07-23

Employees

788

Officers

Chairman & CEO
Mr. James S. Mahan III
President
Mr. William C. Losch III
Chief Risk Officer & General Counsel
Mr. Gregory W. Seward
Chief Strategy Officer
Ms. Stephanie A. Mann
Chief Information & Digital Officer of Bank
Mr. Renato Derraik
Vice Chairman & Executive VP
Mr. William L. Williams III
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Chief Financial Officer
Mr. Walter J. Phifer
Chief Accounting Officer
Mr. John Wesley Sutherland
Senior Vice President of Corporate Communications
Ms. Claire Parker
Chief Marketing & Communications Officer
Mr. Micah S. Davis
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See Also

Discover More
What is the Intrinsic Value of one LOB stock?

The intrinsic value of one LOB stock under the Base Case scenario is 54.04 USD.

Is LOB stock undervalued or overvalued?

Compared to the current market price of 47.77 USD, Live Oak Bancshares Inc is Undervalued by 12%.

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