Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
67
LOB Quote, Financials, Valuation and Earnings
Last price:
$35.90
Seasonality move
:
-6.76%
Day range:
$35.68 - $36.25
52-week range:
$22.68 - $41.56
Dividend yield:
0.33%
P/E ratio:
24.07x
P/S ratio:
1.63x
P/B ratio:
1.49x
Volume:
142K
Avg. volume:
314.3K
1-year change:
-9.32%
Market cap:
$1.6B
Revenue:
$944.1M
EPS (TTM):
$1.49
Analysts' Opinion
-
Consensus RatingLive Oak Bancshares, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 1 Buy rating, 3 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $42.75, Live Oak Bancshares, Inc. has an estimated upside of 19.05% from its current price of $35.91.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $36.00 representing 100% downside risk from its current price of $35.91.
Fair Value
-
According to the consensus of 4 analysts, Live Oak Bancshares, Inc. has 19.05% upside to fair value with a price target of $42.75 per share.
LOB vs. S&P 500
-
Over the past 5 trading days, Live Oak Bancshares, Inc. has underperformed the S&P 500 by -1.76% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Live Oak Bancshares, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Live Oak Bancshares, Inc. has grown year-over-year revenues for 13 quarters straight. In the most recent quarter Live Oak Bancshares, Inc. reported revenues of $263.8M.
Earnings Growth
-
Live Oak Bancshares, Inc. has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Live Oak Bancshares, Inc. reported earnings per share of $0.55.
Enterprise value:
1.9B
EV / Invested capital:
1.42x
Price / LTM sales:
1.63x
EV / EBIT:
3.35x
EV / Revenue:
1.83x
PEG ratio (5yr expected):
4.81x
EV / Free cash flow:
7.73x
Price / Operating cash flow:
6.89x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.51%
Net Income Margin (TTM):
6.86%
Return On Equity:
6.53%
Return On Invested Capital:
5.91%
Operating Margin:
14.55%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $749.4M | $915.6M | $1B | $240.1M | $263.8M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $82.4M | $115.6M | $105.1M | $19.3M | $38.4M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.32 | $1.84 | $1.49 | $0.28 | $0.55 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $387M | $447.8M | $607.6M | $753.6M | $990.3M | |
| Total Assets | $8.1B | $9.3B | $11B | $12.6B | $14.7B | |
| Current Liabilities | $6B | $170.3M | $239.5M | $258.8M | $494M | |
| Total Liabilities | $7.4B | $8.5B | $10.1B | $11.6B | $13.5B | |
| Total Equity | $689.4M | $802.2M | $850.4M | $1B | $1.2B | |
| Total Debt | $575M | $35.6M | $25.8M | $115.4M | $105M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $476M | $536M | $249.2M | $191M | -$234.6M | |
| Cash From Investing | -$1.9B | -$1.9B | -$2B | -$828.6M | -$322.4M | |
| Cash From Financing | $1.6B | $1.5B | $2B | $688.7M | $786.7M | |
| Free Cash Flow | $442.6M | $469.1M | $239.8M | $184.6M | -$236.3M | |
LOB
Sector
Market Cap
$1.6B
$570M
Price % of 52-Week High
86.42%
92.25%
Dividend Yield
0.33%
1.57%
Shareholder Yield
-5.72%
3.11%
1-Year Price Total Return
-9.32%
7.43%
Beta (5-Year)
2.056
0.478
Dividend yield:
0.33%
Annualized payout:
$0.12
Payout ratio:
5.42%
Growth streak:
0 years
Technicals
8-day SMA
Sell
Level
$36.01
200-day SMA
Buy
Level
$31.34
Bollinger Bands (100)
Buy
Level
31.97 - 36.79
Chaikin Money Flow
Buy
Level
11.9M
20-day SMA
Buy
Level
$34.35
Relative Strength Index (RSI14)
Buy
Level
65.48
ADX Line
Buy
Level
30.33
Williams %R
Neutral
Level
-21.7593
50-day SMA
Buy
Level
$33.00
MACD (12, 26)
Buy
Level
1.06
25-day Aroon Oscillator
Buy
Level
76
On Balance Volume
Neutral
Level
14.1M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.0023)
Sell
CA Score
(Annual)
Level (-2.1746)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (3.0816)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. It operates through the following segments: Banking, Fintech, and Other. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments in emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2018 and is headquartered in Wilmington, NC.
Stock Forecast FAQ
In the current month, LOB has received 1 Buy ratings 3 Hold ratings, and 0 Sell ratings. The LOB average analyst price target in the past 3 months is $42.75.
-
Where Will Live Oak Bancshares, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Live Oak Bancshares, Inc. share price will rise to $42.75 per share over the next 12 months.
-
What Do Analysts Say About Live Oak Bancshares, Inc.?
Analysts are divided on their view about Live Oak Bancshares, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Live Oak Bancshares, Inc. is a Sell and believe this share price will drop from its current level to $36.00.
-
What Is Live Oak Bancshares, Inc.'s Price Target?
The price target for Live Oak Bancshares, Inc. over the next 1-year time period is forecast to be $42.75 according to 4 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.
-
Is LOB A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Live Oak Bancshares, Inc. is a Hold. 3 of 4 analysts rate the stock a Hold at this time.
-
How Can I Buy Shares Of LOB?
You can purchase shares of Live Oak Bancshares, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Live Oak Bancshares, Inc. shares.
-
What Is The Live Oak Bancshares, Inc. Share Price Today?
Live Oak Bancshares, Inc. was last trading at $35.90 per share. This represents the most recent stock quote for Live Oak Bancshares, Inc.. Yesterday, Live Oak Bancshares, Inc. closed at $35.91 per share.
-
How To Buy Live Oak Bancshares, Inc. Stock Online?
In order to purchase Live Oak Bancshares, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
LOB
Sector
P/E ratio
24.07x
12.24x
PEG ratio
4.81x
0.31x
P/B ratio
1.49x
1.11x
Price / LTM sales
1.63x
1.85x
Growth Metrics
LOB
Sector
Revenue growth
9.89%
5.54%
Earnings growth
95.17%
14.85%
Revenue (5-year growth)
26.76%
8.85%
Earnings forecast
$0.60
$0.62
Profitability
LOB
Sector
Profitability FY 2024
--
--
Return on invested capital
5.91%
5.01%
Return on assets
0.51%
1.01%
Return on equity
6.53%
9.68%
Earnings Date
Last Earnings Date
Oct
22
Next Earnings Date
Jan
21
Estimated Next Earnings Date
Jan
21
Balance Sheet
LOB
Sector
Total cash
$1.4B
$431.4M
Short term investments
$25.3M
$211.3M
Total assets
$12.9B
$3.1B
Long term debt
$105M
$79.3M
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