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About the company
Live Oak Bancshares, Inc. is a bank holding company. The Company conducts business operations 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. 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 in emerging financial technology companies. The Fintech segment is comprised of the Company's direct wholly owned subsidiaries, Live Oak Ventures, Inc. and Canapi Advisors, LLC, and the investments held by those entities, as well as the Bank's investment in Apiture, Inc. The Bank’s loan portfolio includes commercial and industrial loans, construction and development loans, commercial real estate, and commercial land.
- Revenue in USD (TTM)729.28m
- Net income in USD101.09m
- Incorporated2008
- Employees962.00
- LocationLive Oak Bancshares Inc1741 Tiburon DriveWILMINGTON 28403United StatesUSA
- Phone+1 (910) 790-5867
- Websitehttp://www.liveoakbank.com
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| S&T Bancorp Inc | 494.75m | 136.13m | 1.28bn | 1.24k | 9.45 | 0.9866 | -- | 3.18 | 3.54 | 3.54 | 10.43 | 33.87 | -- | -- | -- | -- | 1.45 | 1.14 | -- | -- | -- | -- | 33.94 | 28.97 | -- | -- | -- | 43.75 | 40.25 | 10.52 | 7.02 | 6.01 | 8.31 | 5.44 |
| Hope Bancorp Inc | 1.07bn | 120.42m | 1.29bn | 1.24k | 10.72 | 0.6115 | -- | 2.35 | 0.999 | 0.999 | 4.56 | 17.51 | -- | -- | -- | -- | 0.623 | 0.9639 | -- | -- | -- | -- | 21.89 | 30.02 | -- | -- | -- | 40.88 | 46.47 | 10.04 | -38.76 | -6.79 | 13.90 | 0.73 |
| TriCo Bancshares | 450.86m | 109.31m | 1.31bn | 1.21k | 12.07 | 1.13 | 10.84 | 3.20 | 3.28 | 3.28 | 12.29 | 35.06 | -- | -- | -- | -- | 1.11 | 1.27 | -- | -- | -- | -- | 26.69 | 28.97 | -- | -- | -- | 30.29 | 23.30 | 13.94 | -6.40 | 11.43 | -8.05 | 11.38 |
| 1st Source Corp | 438.92m | 122.05m | 1.33bn | 1.17k | 10.93 | 1.32 | 9.87 | 3.59 | 4.97 | 4.97 | 15.08 | 41.26 | -- | -- | -- | -- | 1.45 | 1.42 | -- | -- | -- | -- | 33.27 | 31.33 | -- | -- | -- | 28.31 | 41.89 | 10.13 | 3.53 | 8.85 | -24.37 | 6.25 |
| Pathward Financial Inc | 451.65m | 171.96m | 1.47bn | 1.19k | 8.75 | 2.00 | 7.62 | 2.00 | 6.67 | 6.67 | 28.47 | 29.15 | -- | -- | -- | -- | 2.45 | 2.10 | -- | -- | -- | -- | 23.83 | 23.99 | -- | -- | -- | 5.01 | 27.72 | 20.26 | 4.77 | 25.14 | 112.47 | 2.13 |
| Stock Yards Bancorp Inc | 363.77m | 104.59m | 1.48bn | 1.06k | 14.16 | 1.70 | 11.95 | 4.39 | 3.56 | 3.56 | 11.51 | 29.76 | -- | -- | -- | -- | 1.32 | 1.42 | -- | -- | -- | -- | 30.96 | 31.76 | -- | -- | -- | 36.01 | 37.77 | 21.69 | 15.89 | 14.18 | 1.84 | 5.10 |
| Enterprise Financial Services Corp | 803.61m | 174.97m | 1.51bn | 1.17k | 8.67 | 0.9129 | 8.21 | 2.42 | 4.66 | 4.66 | 16.64 | 46.16 | -- | -- | -- | -- | 1.28 | 1.30 | -- | -- | -- | -- | 28.61 | 31.63 | -- | -- | -- | 19.36 | 48.50 | 26.32 | -4.37 | 16.36 | 16.65 | 16.30 |
| Live Oak Bancshares Inc | 729.28m | 101.09m | 1.56bn | 962.00 | 15.59 | 1.68 | 12.80 | 3.32 | 2.23 | 2.23 | 10.42 | 20.64 | -- | -- | -- | -- | 0.9244 | 1.28 | -- | -- | -- | -- | 21.43 | 25.00 | -- | -- | -- | 5.20 | 54.85 | 33.45 | -58.06 | 7.41 | -15.90 | 0.00 |
| Federal National Mortgage Association | 142.48bn | -1.00m | 1.62bn | 8.10k | -- | -- | -- | 0.0114 | -0.0002 | -0.0002 | 24.26 | 47.86 | 0.033 | -- | -- | 17,589,880.00 | 0.4156 | 0.3944 | 0.4166 | 0.3954 | 18.15 | 20.57 | 12.60 | 13.35 | -- | -- | 0.9809 | -- | 15.58 | 3.45 | 0.00 | -75.42 | -- | -- |
| Lufax Holding Ltd - ADR | 4.28bn | -90.16m | 1.63bn | 36.22k | -- | 0.1302 | -- | 0.3816 | -0.1587 | -0.1587 | 7.43 | 21.89 | 0.1121 | -- | -- | 118,283.00 | -0.19 | 4.05 | -0.3637 | 10.64 | -- | -- | -1.69 | 20.51 | -- | 5.37 | 0.3419 | 2.76 | -41.05 | -3.27 | -89.81 | -42.09 | -29.10 | -- |
| Bank of NT Butterfield & Son Ltd | 553.89m | 216.72m | 1.67bn | 1.26k | 7.85 | 1.65 | 8.71 | 2.88 | 4.46 | 4.46 | 11.90 | 21.24 | -- | -- | -- | -- | 1.59 | 1.32 | -- | -- | -- | -- | 37.51 | 34.75 | -- | -- | -- | 47.86 | 36.96 | 8.22 | 5.36 | 2.93 | 22.30 | 2.98 |
| Goldman Sachs BDC Inc | 459.05m | 210.26m | 1.73bn | -- | 8.05 | 1.06 | -- | 3.77 | 1.92 | 1.92 | 4.19 | 14.55 | 0.1284 | -- | -- | -- | 5.88 | 4.56 | 6.03 | 4.66 | 58.89 | 63.31 | 45.80 | 44.31 | -- | 5.25 | 0.5288 | 114.80 | 27.27 | 25.40 | 256.12 | 29.55 | -- | 0.00 |
| Donnelley Financial Solutions Inc | 802.00m | 99.70m | 1.76bn | 1.90k | 18.38 | 4.32 | 11.15 | 2.20 | 3.27 | 3.27 | 26.21 | 13.91 | 0.9223 | -- | 4.07 | 422,105.30 | 11.47 | 7.96 | 14.69 | 10.70 | 59.71 | 50.95 | 12.43 | 7.79 | -- | 9.45 | 0.3405 | -- | -4.37 | -3.71 | -19.80 | 2.23 | 10.74 | -- |
| Trustmark Corp | 909.77m | 156.72m | 1.83bn | 2.76k | 11.69 | 1.09 | 9.47 | 2.45 | 2.56 | 2.56 | 12.20 | 27.50 | -- | -- | -- | -- | 0.8414 | 0.8513 | -- | -- | -- | -- | 20.97 | 20.43 | -- | -- | -- | 41.71 | 62.20 | 12.60 | 130.21 | 2.04 | 11.81 | 0.00 |
| Blue Owl Capital Corporation III | 422.83m | 297.56m | 1.84bn | -- | 6.13 | 0.9608 | -- | 4.35 | 2.44 | 2.44 | 3.46 | 15.56 | 0.1156 | -- | -- | -- | 8.14 | -- | 8.34 | -- | 65.77 | -- | 70.37 | -- | -- | -- | 0.4786 | -- | 51.63 | -- | 83.44 | -- | -- | -- |
| Triumph Financial Inc | 423.69m | 31.02m | 1.89bn | 1.52k | 61.20 | 2.29 | 32.69 | 4.56 | 1.32 | 1.32 | 17.70 | 37.38 | -- | -- | -- | -- | 0.611 | 1.39 | -- | -- | -- | -- | 8.25 | 19.34 | -- | -- | -- | 0.00 | 0.759 | 9.94 | -61.78 | -5.83 | 4.96 | -- |
Data as of Jul 03 2024. Currency figures normalised to Live Oak Bancshares Inc's reporting currency: US Dollar USD
42.80%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Investment Management, Inc.as of 31 Mar 2024 | 6.40m | 14.24% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 2.48m | 5.51% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 2.28m | 5.07% |
| Diamond Hill Capital Management, Inc.as of 31 Mar 2024 | 1.79m | 3.98% |
| Barrow, Hanley, Mewhinney & Strauss LLCas of 31 Mar 2024 | 1.54m | 3.44% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 1.26m | 2.80% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 1.00m | 2.23% |
| Threadneedle Asset Management Ltd.as of 31 Mar 2024 | 953.26k | 2.12% |
| SouthernSun Asset Management LLCas of 31 Mar 2024 | 813.32k | 1.81% |
| Geode Capital Management LLCas of 31 Mar 2024 | 729.86k | 1.62% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
