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.
39.49%
0.27
41.17%
S&P 500
22.36%
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 Trend13What is working for the Company
NET PROFIT(HY)
At USD 66.84 MM has Grown at 100.42%
NII(Q)
Highest at USD 125.34 MM
CASH AND EQV(HY)
Highest at USD 1,743.77 MM
NET SALES(Q)
Highest at USD 241.72 MM
OPERATING PROFIT(Q)
Highest at USD 45.75 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.93 %
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -36.33 MM
Here's what is working for Live Oak Bancshares, Inc.
Net Profit
At USD 66.84 MM has Grown at 100.42%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 125.34 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 241.72 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 45.75 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.93 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 1,743.77 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Live Oak Bancshares, Inc.
Operating Cash Flow
Lowest at USD -36.33 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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