NASDAQ /
Sector: Financial Services
/
Sub-Sector: Savings & Cooperative Banks
/
Stock Type: Cyclical
# of Employee: 400
/
Fiscal Year End: 2016-12-31
/
Stock Type: Small Core
USD
/
Exchange Rate: 1
at
2016-11-22
/
Estimation: $Confidential
/
/ $
Live Oak Bancshares Inc is a nationwide lender to small businesses. It offers loans comprising small business administration loans; conventional commercial business loans to small- and medium-sized businesses; and construction loans.
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NWBI |
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EBTC |
HBCP |
EQFN |
Finance Highlights
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| 2011-12-25 | Annual | -20.70% | -14.00% | -0.2 | 0.9 | 49.80% | 35.00% | 35.00% | .116 | 1.151 |
| 2012-12-25 | Annual | -42.60% | -26.00% | -0.7 | 1.6 | 31.20% | 29.70% | 29.70% | 0.107 | 1.232 |
| 2013-12-25 | Annual | 25.10% | 19.50% | 0.4 | 1.6 | 37.80% | 45.00% | 45.00% | .127 | 1.196 |
| 2014-12-25 | Annual | -271.60% | -309.60% | -10.2 | 3.8 | 25.10% | 12.50% | 12.50% | 0.158 | 1.055 |
| 2015-12-25 | Annual | -152.50% | -256.10% | -9.5 | 6.2 | 32.20% | 17.40% | 17.40% | 0.234 | 1.069 |
| 2016-12-25 | Annual | -94.70% | -140.00% | -6.0 | 6.4 | 19.70% | 9.10% | 9.10% | 0.145 | 1.157 |
| 2017-12-25 | Annual | -37.40% | -59.10% | -4.3 | 11.5 | 39.00% | 36.40% | 36.40% | 0.188 | 1.130 |
| 2018-12-25 | Annual | 24.70% | 45.80% | 2.9 | 11.9 | 23.20% | 19.30% | 19.30% | .155 | 1.261 |
Key Ratio Trend
| ReportDate | PeriodType | ROE | FCFMargin | FCFPerShar | EquityPerS | ProfitMarg | Continuous | NetMargin | DebtEquity | CurrentRat |
|---|
| Average | Annual | 41.30% | 33.31% | 19.06% | 39.05% | -35.21% | -28.79% | -28.79% | 7.36% | -0.24% |
| 2012-12-25 | Annual | -105.80% | -85.71% | -258.46% | 74.76% | -37.35% | -15.14% | -15.14% | -7.76% | 7.04% |
| 2013-12-25 | Annual | 158.92% | 175.00% | 159.08% | 0.43% | 21.15% | 51.52% | 51.52% | 18.69% | -2.92% |
| 2014-12-25 | Annual | -1,182.07% | -1,687.69% | -2,572.15% | 128.09% | -33.60% | -72.22% | -72.22% | 24.41% | -11.79% |
| 2015-12-25 | Annual | 43.85% | 17.28% | 6.81% | 65.95% | 28.29% | 39.20% | 39.20% | 48.10% | 1.33% |
| 2016-12-25 | Annual | 37.90% | 45.33% | 36.78% | 1.81% | -38.82% | -47.70% | -47.70% | -38.03% | 8.23% |
| 2017-12-25 | Annual | 60.51% | 57.79% | 28.25% | 81.72% | 97.97% | 300.00% | 300.00% | 29.66% | -2.33% |
| 2018-12-25 | Annual | 166.04% | 177.50% | 168.19% | 3.18% | -40.51% | -46.98% | -46.98% | -17.55% | 11.59% |
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| 2011-12-25 | Annual | 40,871k | 20,536k | 2,737k | 14,312k | 14,312k | 29,361,841 | 49.80% | 35.00% | 35.00% |
| 2012-12-25 | Annual | 54,155k | 37,247k | 3,628k | 16,095k | 16,095k | 20,138,360 | 31.20% | 29.70% | 29.70% |
| 2013-12-25 | Annual | 62,313k | 38,767k | 4,521k | 28,062k | 28,062k | 29,361,841 | 37.80% | 45.00% | 45.00% |
| 2014-12-25 | Annual | 80,551k | 60,322k | 5,852k | 10,048k | 10,048k | 24,424,181 | 25.10% | 12.50% | 12.50% |
| 2015-12-25 | Annual | 118,779k | 80,577k | 8,862k | 20,625k | 20,625k | 31,973,146 | 32.20% | 17.40% | 17.40% |
| 2016-12-25 | Annual | 150,811k | 121,068k | 14,623k | 13,773k | 13,773k | 35,086,959 | 19.70% | 9.10% | 9.10% |
| 2017-12-25 | Annual | 276,393k | 168,603k | 25,438k | 100,499k | 100,499k | 37,859,535 | 39.00% | 36.40% | 36.40% |
| 2018-12-25 | Annual | 266,408k | 204,624k | 54,600k | 51,448k | 51,448k | 41,446,750 | 23.20% | 19.30% | 19.30% |
Income Statement Trend
| ReportDate | PeriodType | Revenue | Cost | InterestEx | Continuous | NetIncome | DilutedSha | ProfitMarg | Continuous | NetMargin |
|---|
| Average | Annual | 28.28% | 36.83% | 43.34% | -7.12% | -7.12% | 8.80% | -35.21% | -28.79% | -28.79% |
| 2012-12-25 | Annual | 32.50% | 81.37% | 32.55% | 12.46% | 12.46% | -31.41% | -37.35% | -15.14% | -15.14% |
| 2013-12-25 | Annual | 15.06% | 4.08% | 24.61% | 74.35% | 74.35% | 45.80% | 21.15% | 51.52% | 51.52% |
| 2014-12-25 | Annual | 29.27% | 55.60% | 29.44% | -64.19% | -64.19% | -16.82% | -33.60% | -72.22% | -72.22% |
| 2015-12-25 | Annual | 47.46% | 33.58% | 51.44% | 105.26% | 105.26% | 30.91% | 28.29% | 39.20% | 39.20% |
| 2016-12-25 | Annual | 26.97% | 50.25% | 65.01% | -33.22% | -33.22% | 9.74% | -38.82% | -47.70% | -47.70% |
| 2017-12-25 | Annual | 83.27% | 39.26% | 73.96% | 629.68% | 629.68% | 7.90% | 97.97% | 300.00% | 300.00% |
| 2018-12-25 | Annual | -3.61% | 21.36% | 114.64% | -48.81% | -48.81% | 9.48% | -40.51% | -46.98% | -46.98% |
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| 2011-12-25 | Annual | 27,583k | 266,157k | 238,574k | 192,981k | 222,163k | 16,411k | .116 | 1.151 |
| 2012-12-25 | Annual | 33,057k | 342,468k | 309,411k | 232,744k | 286,674k | 22,737k | 0.107 | 1.232 |
| 2013-12-25 | Annual | 48,390k | 430,355k | 381,965k | 298,064k | 356,620k | 25,345k | .127 | 1.196 |
| 2014-12-25 | Annual | 91,814k | 673,315k | 581,501k | 494,709k | 522,080k | 59,421k | 0.158 | 1.055 |
| 2015-12-25 | Annual | 199,455k | 1,052,622k | 853,167k | 753,173k | 804,788k | 48,379k | 0.234 | 1.069 |
| 2016-12-25 | Annual | 222,847k | 1,755,261k | 1,532,414k | 1,283,635k | 1,485,076k | 47,338k | 0.145 | 1.157 |
| 2017-12-25 | Annual | 436,933k | 2,758,474k | 2,321,541k | 2,000,237k | 2,260,263k | 61,278k | 0.188 | 1.130 |
| 2018-12-25 | Annual | 493,560k | 3,670,449k | 3,176,889k | 2,498,378k | 3,149,583k | 27,306k | .155 | 1.261 |
Balance Sheet Trend
| ReportDate | PeriodType | Equity | TotalAsset | TotalLiabi | CurrentAss | CurrentLia | NonCurrent | DebtEquity | CurrentRat |
|---|
| Average | Annual | 35.01% | 46.36% | 42.49% | 41.88% | 43.37% | 5.63% | 7.36% | -0.24% |
| 2012-12-25 | Annual | 19.85% | 28.67% | 29.69% | 20.60% | 29.04% | 38.55% | -7.76% | 7.04% |
| 2013-12-25 | Annual | 46.38% | 25.66% | 23.45% | 28.07% | 24.40% | 11.47% | 18.69% | -2.92% |
| 2014-12-25 | Annual | 89.74% | 56.46% | 52.24% | 65.97% | 46.40% | 134.45% | 24.41% | -11.79% |
| 2015-12-25 | Annual | 117.24% | 56.33% | 46.72% | 52.25% | 54.15% | -18.58% | 48.10% | 1.33% |
| 2016-12-25 | Annual | 11.73% | 66.75% | 79.61% | 70.43% | 84.53% | -2.15% | -38.03% | 8.23% |
| 2017-12-25 | Annual | 96.07% | 57.15% | 51.50% | 55.83% | 52.20% | 29.45% | 29.66% | -2.33% |
| 2018-12-25 | Annual | 12.96% | 33.06% | 36.84% | 24.90% | 39.35% | -55.44% | -17.55% | 11.59% |
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| 2011-12-25 | Annual | -10,924k | -5,201k | -5,723k | -44,369k | 56,852k |
| 2012-12-25 | Annual | -28,258k | -14,191k | -14,067k | -12,637k | 57,532k |
| 2013-12-25 | Annual | 4,431k | -7,696k | 12,127k | -69,259k | 57,899k |
| 2014-12-25 | Annual | -261,508k | -12,146k | -249,362k | 18,467k | 235,699k |
| 2015-12-25 | Annual | -334,683k | -30,452k | -304,231k | 59,576k | 347,812k |
| 2016-12-25 | Annual | -221,950k | -10,889k | -211,061k | -320,069k | 677,420k |
| 2017-12-25 | Annual | -287,529k | -124,139k | -163,390k | -535,016k | 879,808k |
| 2018-12-25 | Annual | 11,521k | -110,457k | 121,978k | -850,585k | 860,616k |
Cash Flow Trend
| ReportDate | PeriodType | OperatingC | CAPEX | FreeCashFl | Investment | FinancialF |
|---|
| Average | Annual | -28.65% | -97.63% | 3.48% | -62.49% | 17.58% |
| 2012-12-25 | Annual | -158.68% | -172.85% | -145.80% | 71.52% | 1.20% |
| 2013-12-25 | Annual | 115.68% | 45.77% | 186.21% | -448.07% | 0.64% |
| 2014-12-25 | Annual | -6,001.78% | -57.82% | -2,156.25% | 126.66% | 307.09% |
| 2015-12-25 | Annual | -27.98% | -150.72% | -22.00% | 222.61% | 47.57% |
| 2016-12-25 | Annual | 33.68% | 64.24% | 30.62% | -637.24% | 94.77% |
| 2017-12-25 | Annual | -29.55% | -1,040.04% | 22.59% | -67.16% | 29.88% |
| 2018-12-25 | Annual | 104.01% | 11.02% | 174.65% | -58.98% | -2.18% |
Finance Detail
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