ScoreWhy is Live Oak Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 16.98%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- OPERATING CASH FLOW(Y) Highest at USD 674.84 MM
- NII(Q) Highest at USD 109.22 MM
- NET SALES(Q) Highest at USD 224.28 MM
3
With ROA of 0.43%, it has a expensive valuation with a 1.25 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -22.05%, its profits have fallen by -46.6%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -22.05% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Live Oak Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Live Oak Bancshares, Inc. for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Live Oak Bancshares, Inc.
36.94%
0.27
41.17%
S&P 500
20.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.79%
EBIT Growth (5y)
9.77%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
5.37%
Pledged Shares
0
Institutional Holding
83.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.19
EV to EBIT
2.76
EV to EBITDA
2.31
EV to Capital Employed
4.98
EV to Sales
0.32
PEG Ratio
0.39
Dividend Yield
NA
ROCE (Latest)
180.42%
ROE (Latest)
8.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NET PROFIT(HY)
Higher at USD 76.35 MM
CASH AND EQV(HY)
Highest at USD 1,681.04 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 87.88%
OPERATING PROFIT(Q)
Highest at USD 40.9 MM
OPERATING PROFIT MARGIN(Q)
Highest at 17.49 %
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Live Oak Bancshares, Inc.
Net Profit
At USD 76.35 MM has Grown at 272.62%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
Higher at USD 76.35 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Operating Profit
Highest at USD 40.9 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 17.49 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 1,681.04 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 87.88%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
At USD 6.94 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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