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About the company
Live Oak Bancshares, Inc is a bank holding company. The Company 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.
- Revenue in USD (TTM)365.77m
- Net income in USD162.08m
- Incorporated2008
- Employees842.00
- LocationLive Oak Bancshares Inc1741 Tiburon DrWILMINGTON 28403-6244United 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TriCo Bancshares | 278.33m | 104.38m | 1.48bn | 1.09k | 12.60 | 1.34 | 12.76 | 4.40 | 3.49 | 3.49 | 11.21 | 32.78 | -- | -- | -- | -- | 1.15 | 1.23 | -- | -- | -- | -- | 31.10 | 27.01 | -- | -- | -- | 29.41 | 3.69 | 9.79 | 81.53 | 21.30 | -21.80 | 10.76 |
| Bank of N T Butterfield & Son Ltd | -100.00bn | -100.00bn | 1.48bn | 1.22k | -- | 1.76 | -- | -- | -- | -- | -- | 16.87 | -- | -- | -- | -- | -- | 1.32 | -- | -- | -- | -- | -- | 33.50 | -- | -- | -- | 50.67 | -7.70 | 3.40 | 10.50 | 22.75 | 9.91 | 77.46 |
| NBT Bancorp Inc. | 339.77m | 154.17m | 1.56bn | 1.80k | 10.31 | 1.30 | 9.37 | 3.21 | 3.54 | 3.54 | 11.14 | 27.96 | -- | -- | -- | -- | 1.30 | 1.15 | -- | -- | -- | -- | 31.73 | 25.73 | -- | -- | -- | 39.08 | -2.41 | 3.44 | 48.37 | 14.59 | 18.53 | 4.10 |
| Eagle Bancorp, Inc. | 358.62m | 178.97m | 1.57bn | 507.00 | 8.78 | 1.23 | 8.52 | 4.37 | 5.58 | 5.58 | 11.22 | 39.89 | -- | -- | -- | -- | 1.60 | 1.59 | -- | -- | -- | -- | 49.77 | 41.44 | -- | -- | -- | 13.26 | -6.54 | 4.98 | 33.64 | 12.58 | -6.57 | -- |
| Westamerica Bancorporation | 174.89m | 88.98m | 1.58bn | 640.00 | 17.70 | 2.24 | 14.74 | 7.24 | 3.31 | 3.31 | 8.10 | 26.10 | -- | -- | -- | -- | 1.25 | 1.28 | -- | -- | -- | -- | 40.88 | 37.39 | -- | -- | -- | 56.78 | 4.57 | 5.00 | 7.58 | 8.01 | -6.14 | 1.13 |
| Live Oak Bancshares Inc | 365.77m | 162.08m | 1.63bn | 842.00 | 10.34 | 2.28 | 8.85 | 3.48 | 3.59 | 3.59 | 10.32 | 16.29 | -- | -- | -- | -- | 1.90 | 1.55 | -- | -- | -- | -- | 34.75 | 26.79 | -- | -- | -- | 6.28 | 25.24 | 44.53 | 199.22 | 64.72 | -22.31 | 11.38 |
| Stock Yards Bancorp Inc | 187.54m | 59.84m | 1.64bn | 820.00 | 25.04 | 2.17 | 22.50 | 6.48 | 2.24 | 2.24 | 9.61 | 25.95 | -- | -- | -- | -- | 0.9526 | 1.52 | -- | -- | -- | -- | 23.65 | 32.96 | -- | -- | -- | 38.86 | 19.75 | 11.62 | 26.80 | 12.72 | -6.25 | 9.67 |
| Enterprise Financial Services Corp | 404.85m | 149.59m | 1.66bn | 805.00 | 10.74 | 1.20 | 10.30 | 3.64 | 4.15 | 4.15 | 12.66 | 39.27 | -- | -- | -- | -- | 1.26 | 1.22 | -- | -- | -- | -- | 32.98 | 30.34 | -- | -- | -- | 18.59 | 25.74 | 20.76 | 78.88 | 22.20 | 0.032 | 12.84 |
| Provident Financial Services, Inc. | 402.80m | 163.32m | 1.70bn | 1.12k | 10.52 | 1.05 | 9.65 | 3.72 | 2.14 | 2.14 | 5.97 | 21.36 | -- | -- | -- | -- | 1.22 | 1.10 | -- | -- | -- | -- | 35.83 | 31.37 | -- | -- | -- | 54.52 | 10.74 | 5.88 | 73.20 | 13.85 | 22.55 | 5.55 |
| Hope Bancorp Inc | 573.11m | 221.62m | 1.70bn | 1.48k | 7.79 | 0.8318 | -- | 2.97 | 1.81 | 1.81 | 4.67 | 16.96 | -- | -- | -- | -- | 1.27 | 1.08 | -- | -- | -- | -- | 38.79 | 31.31 | -- | -- | -- | 41.34 | -5.40 | 6.07 | 83.45 | 12.46 | -12.80 | 4.47 |
| Renasant Corp. | 457.11m | 151.53m | 1.70bn | 2.41k | 11.30 | 0.7947 | 8.43 | 2.84 | 2.69 | 2.69 | 10.61 | 38.25 | -- | -- | -- | -- | 0.9329 | 1.07 | -- | -- | -- | -- | 25.37 | 23.31 | -- | -- | -- | 33.65 | -5.91 | 7.32 | 110.27 | 14.11 | 8.63 | 4.68 |
| Triumph Bancorp Inc | 402.64m | 100.17m | 1.71bn | 1.29k | 17.16 | 2.03 | 13.76 | 3.91 | 3.96 | 3.96 | 17.29 | 35.24 | -- | -- | -- | -- | 1.70 | 1.40 | -- | -- | -- | -- | 23.63 | 21.73 | -- | -- | -- | 0.00 | 20.32 | 25.50 | 76.13 | 40.83 | 27.13 | -- |
| Trustmark Corp | 436.75m | 124.61m | 1.75bn | 2.69k | 14.30 | 1.07 | 10.30 | 2.77 | 1.99 | 1.99 | 10.09 | 26.54 | -- | -- | -- | -- | 0.7262 | 1.01 | -- | -- | -- | -- | 19.75 | 23.16 | -- | -- | -- | 41.35 | -5.51 | 1.44 | -7.91 | 6.33 | 11.34 | 0.00 |
| Veritex Holdings Inc | 321.24m | 141.27m | 1.78bn | 690.00 | 11.82 | 1.23 | 11.27 | 5.11 | 2.78 | 2.78 | 6.85 | 26.86 | -- | -- | -- | -- | 1.43 | 1.27 | -- | -- | -- | -- | 40.65 | 30.93 | -- | -- | -- | -- | -1.67 | 46.69 | 88.93 | 61.89 | 66.06 | -- |
| Heartland Financial USA Inc | 582.57m | 202.15m | 1.79bn | 2.21k | 8.88 | 0.9844 | 7.83 | 2.60 | 4.76 | 4.76 | 16.22 | 45.60 | -- | -- | -- | -- | 1.12 | 1.07 | -- | -- | -- | -- | 30.52 | 25.28 | -- | -- | -- | 18.42 | 9.72 | 12.52 | 58.72 | 21.47 | 10.75 | 19.14 |
| Lakeland Financial Corporation | 193.28m | 96.39m | 1.82bn | 567.00 | 19.05 | 2.98 | 17.72 | 8.17 | 3.76 | 3.76 | 8.66 | 24.03 | -- | -- | -- | -- | 1.53 | 1.59 | -- | -- | -- | -- | 43.39 | 41.02 | -- | -- | -- | 34.65 | 0.0601 | 6.82 | 13.51 | 12.95 | -8.89 | 13.35 |
Data as of May 24 2022. Currency figures normalised to Live Oak Bancshares Inc's reporting currency: US Dollar USD
40.74%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Associates, Inc. (Investment Management)as of 31 Mar 2022 | 5.42m | 12.39% |
| SSgA Funds Management, Inc.as of 31 Mar 2022 | 2.28m | 5.21% |
| The Vanguard Group, Inc.as of 31 Mar 2022 | 2.28m | 5.21% |
| BlackRock Fund Advisorsas of 31 Mar 2022 | 1.80m | 4.12% |
| AllianceBernstein LPas of 31 Mar 2022 | 1.51m | 3.45% |
| Dimensional Fund Advisors LPas of 31 Mar 2022 | 938.12k | 2.15% |
| Capital Research & Management Co. (Global Investors)as of 31 Mar 2022 | 925.87k | 2.12% |
| Artisan Partners LPas of 31 Mar 2022 | 911.76k | 2.09% |
| Threadneedle Asset Management Ltd.as of 31 Mar 2022 | 886.04k | 2.03% |
| abrdn, Inc.as of 31 Mar 2022 | 867.75k | 1.99% |
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Data from 31 Mar 2022 - 31 Mar 2022Source: FactSet Research Systems Inc.
