Is Live Oak Stock a Good Investment?
Live Oak Investment Advice | LOB |
- Examine Live Oak's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Live Oak's leadership team and their track record. Good management can help Live Oak navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Live Oak's business and its evolving consumer preferences.
- Compare Live Oak's performance and market position to its competitors. Analyze how Live Oak is positioned in terms of product offerings, innovation, and market share.
- Check if Live Oak pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Live Oak's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Live Oak Bancshares stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Live Oak Bancshares is a good investment.
Sell | Buy |
Sell
Market Performance | Very Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Hold | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Examine Live Oak Stock
Researching Live Oak's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 23.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.74. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Live Oak Bancshares last dividend was issued on the 2nd of December 2024.
To determine if Live Oak is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Live Oak's research are outlined below:
| Live Oak Bancshares generated a negative expected return over the last 90 days | |
| Live Oak Bancshares has high historical volatility and very poor performance | |
| About 70.0% of the company shares are owned by institutional investors | |
| On 16th of December 2024 Live Oak paid $ 0.03 per share dividend to its current shareholders | |
| Latest headline from americanbanker.com: SBAs biggest lending program is expanding. So are its problem loans |
Live Oak Quarterly Gross Profit |
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Live Oak uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Live Oak Bancshares. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Live Oak's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 23rd of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 22nd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Live Oak's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Live Oak's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2017-04-26 | 2017-03-31 | 0.16 | 0.18 | 0.02 | 12 | ||
2016-10-26 | 2016-09-30 | 0.08 | 0.1 | 0.02 | 25 | ||
2019-10-23 | 2019-09-30 | 0.13 | 0.09 | -0.04 | 30 | ||
2019-04-24 | 2019-03-31 | 0.01 | 0.05 | 0.04 | 400 | ||
2018-10-24 | 2018-09-30 | 0.36 | 0.4 | 0.04 | 11 | ||
2017-07-26 | 2017-06-30 | 0.24 | 0.28 | 0.04 | 16 | ||
2016-01-27 | 2015-12-31 | 0.12 | 0.16 | 0.04 | 33 | ||
2020-01-22 | 2019-12-31 | 0.12 | 0.17 | 0.05 | 41 |
Know Live Oak's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Live Oak is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Live Oak Bancshares backward and forwards among themselves. Live Oak's institutional investor refers to the entity that pools money to purchase Live Oak's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Citadel Advisors Llc | 2024-09-30 | 475.9 K | Nuveen Asset Management, Llc | 2024-09-30 | 375 K | Trust Co Of The South | 2024-09-30 | 330.6 K | Abrdn Plc | 2024-09-30 | 306.1 K | Northern Trust Corp | 2024-09-30 | 304.7 K | Manufacturers Life Insurance Co | 2024-09-30 | 301.8 K | Charles Schwab Investment Management Inc | 2024-09-30 | 278.8 K | Goldman Sachs Group Inc | 2024-09-30 | 264.7 K | Loomis, Sayles & Company Lp | 2024-09-30 | 221.3 K | T. Rowe Price Investment Management,inc. | 2024-09-30 | 6.5 M | Blackrock Inc | 2024-09-30 | 2.8 M |
Live Oak's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 1.75 B.Market Cap |
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Live Oak's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.02 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.09 |
Determining Live Oak's profitability involves analyzing its financial statements and using various financial metrics to determine if Live Oak is a good buy. For example, gross profit margin measures Live Oak's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Live Oak's profitability and make more informed investment decisions.
Please note, the presentation of Live Oak's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Live Oak's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Live Oak's management manipulating its earnings.
Evaluate Live Oak's management efficiency
As of January 5, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.02. At present, Live Oak's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 479.4 M, whereas Non Currrent Assets Other are projected to grow to (962.9 M). Live Oak's management efficiency ratios could be used to measure how well Live Oak manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 18.32 | 14.42 | |
| Tangible Book Value Per Share | 17.64 | 13.95 | |
| Enterprise Value Over EBITDA | 16.12 | 21.03 | |
| Price Book Value Ratio | 2.57 | 2.44 | |
| Enterprise Value Multiple | 16.12 | 21.03 | |
| Price Fair Value | 2.57 | 2.44 | |
| Enterprise Value | 3.5 B | 3.7 B |
The management team at Live Oak has a track record of steering the company towards sustained growth. Evaluating their strategies helps in understanding the stock's long-term potential.
Basic technical analysis of Live Stock
As of the 5th of January, Live Oak secures the Risk Adjusted Performance of (0.04), mean deviation of 2.13, and Standard Deviation of 3.37. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Live Oak Bancshares, as well as the relationship between them.Live Oak's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Live Oak insiders, such as employees or executives, is commonly permitted as long as it does not rely on Live Oak's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Live Oak insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Live Oak's Outstanding Corporate Bonds
Live Oak issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Live Oak Bancshares uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Live bonds can be classified according to their maturity, which is the date when Live Oak Bancshares has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Live Oak's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Live Oak's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.04) | |||
| Market Risk Adjusted Performance | (0.63) | |||
| Mean Deviation | 2.13 | |||
| Coefficient Of Variation | (1,669) | |||
| Standard Deviation | 3.37 | |||
| Variance | 11.38 | |||
| Information Ratio | (0.07) | |||
| Jensen Alpha | (0.22) | |||
| Total Risk Alpha | (0.26) | |||
| Treynor Ratio | (0.64) | |||
| Maximum Drawdown | 23.63 | |||
| Value At Risk | (5.22) | |||
| Potential Upside | 3.4 | |||
| Skewness | 1.49 | |||
| Kurtosis | 10.66 |
| Risk Adjusted Performance | (0.04) | |||
| Market Risk Adjusted Performance | (0.63) | |||
| Mean Deviation | 2.13 | |||
| Coefficient Of Variation | (1,669) | |||
| Standard Deviation | 3.37 | |||
| Variance | 11.38 | |||
| Information Ratio | (0.07) | |||
| Jensen Alpha | (0.22) | |||
| Total Risk Alpha | (0.26) | |||
| Treynor Ratio | (0.64) | |||
| Maximum Drawdown | 23.63 | |||
| Value At Risk | (5.22) | |||
| Potential Upside | 3.4 | |||
| Skewness | 1.49 | |||
| Kurtosis | 10.66 |
Consider Live Oak's intraday indicators
Live Oak intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Live Oak stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Live Oak Corporate Filings
F4 | 18th of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 18th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 14th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
10Q | 5th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
Live Stock media impact
Far too much social signal, news, headlines, and media speculation about Live Oak that are available to investors today. That information is available publicly through Live media outlets and privately through word of mouth or via Live internal channels. However, regardless of the origin, that massive amount of Live data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Live Oak news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Live Oak relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Live Oak's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Live Oak alpha.
Live Oak Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Live Oak can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Live Oak Corporate Management
| Gregory Seward | General Counsel | Profile | |
| Huntley Garriott | Pres Company | Profile | |
| Courtney Spencer | Chief Officer | Profile | |
| Gregory JD | Chief Counsel | Profile | |
| Jamie Bourgeois | Senior Infrastructure | Profile | |
| Steven Smits | Chief Credit Officer | Profile | |
| Renato Derraik | Chief Bank | Profile |
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons. You can also try the Commodity Directory module to find actively traded commodities issued by global exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. If investors know Live will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Live Oak listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.68) | Dividend Share 0.12 | Earnings Share 1.84 | Revenue Per Share | Quarterly Revenue Growth (0.19) |
The market value of Live Oak Bancshares is measured differently than its book value, which is the value of Live that is recorded on the company's balance sheet. Investors also form their own opinion of Live Oak's value that differs from its market value or its book value, called intrinsic value, which is Live Oak's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Live Oak's market value can be influenced by many factors that don't directly affect Live Oak's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Live Oak's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Live Oak is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Live Oak's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.