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 -30.16%, its profits have fallen by -46.6%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -30.16% 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, Low Return
Absolute
Risk Adjusted
Volatility
Live Oak Bancshares, Inc.
-30.16%
0.09
41.01%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
27.67%
EBIT Growth (5y)
19.42%
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
7.10%
Pledged Shares
0
Institutional Holding
78.57%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
1.25
EV to EBIT
4.40
EV to EBITDA
3.16
EV to Capital Employed
11.46
EV to Sales
0.34
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
260.31%
ROE (Latest)
5.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
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
CREDIT DEPOSIT RATIO(Q)
Highest at 3.6%
PRE-TAX PROFIT(Q)
At USD 31.47 MM has Grown at 54.05%
NET PROFIT(Q)
At USD 23.63 MM has Grown at 55.75%
-7What is not working for the Company
NET PROFIT(HY)
At USD 33.35 MM has Grown at -37.96%
Here's what is working for Live Oak Bancshares, Inc.
NII
Highest at USD 109.22 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 674.84 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 224.28 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 3.6% and Grown
In each half year 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 (%)
Pre-Tax Profit
At USD 31.47 MM has Grown at 54.05%
over average net sales of the previous four periods of USD 20.43 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 23.63 MM has Grown at 55.75%
over average net sales of the previous four periods of USD 15.17 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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