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Live Oak Bancshares, Inc. (LOB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$24.20 - $45.92$32.97
Multi-Stage$18.18 - $19.86$19.00
Blended Fair Value$25.99
Current Price$35.22
Upside-26.22%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.29%-18.89%0.120.120.110.110.110.100.100.080.060.06
YoY Growth--1.48%1.14%1.54%5.71%1.64%0.37%27.36%37.96%0.18%-93.77%
Dividend Yield--0.44%0.29%0.47%0.22%0.16%0.84%0.69%0.30%0.27%0.40%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)69.56
(-) Cash Dividends Paid (M)5.87
(=) Cash Retained (M)63.69
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)13.918.705.22
Cash Retained (M)63.6963.6963.69
(-) Cash Required (M)-13.91-8.70-5.22
(=) Excess Retained (M)49.7754.9958.47
(/) Shares Outstanding (M)45.9845.9845.98
(=) Excess Retained per Share1.081.201.27
LTM Dividend per Share0.130.130.13
(+) Excess Retained per Share1.081.201.27
(=) Adjusted Dividend1.211.321.40
WACC / Discount Rate10.78%10.78%10.78%
Growth Rate5.50%6.50%7.50%
Fair Value$24.20$32.97$45.92
Upside / Downside-31.28%-6.38%30.39%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)69.5674.0878.9084.0389.4995.3098.16
Payout Ratio8.44%24.76%41.07%57.38%73.69%90.00%92.50%
Projected Dividends (M)5.8718.3432.4048.2165.9485.7790.80

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate10.78%10.78%10.78%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)16.4016.5616.71
Year 2 PV (M)25.9126.4026.90
Year 3 PV (M)34.4835.4736.48
Year 4 PV (M)42.1743.7945.46
Year 5 PV (M)49.0551.4253.88
PV of Terminal Value (M)667.80700.05733.54
Equity Value (M)835.81873.69912.97
Shares Outstanding (M)45.9845.9845.98
Fair Value$18.18$19.00$19.86
Upside / Downside-48.39%-46.05%-43.62%

High-Yield Dividend Screener

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