Diane Glossman - Live Oak Director

LOB Stock  USD 33.18  1.10  3.21%   

Director

Ms. Diane B. Glossman is Independent Director of the Company. She serves on the Compensation Committee and the Audit and Risk Committee. Ms. Glossman is a retired investment analyst with over 25 years of experience as an analyst and almost 20 years of governance experience on boards. Ms. Glossman also currently serves on the boards of directors of Ambac Assurance Company, WMI Holdings Corporationration and the Bucks County SPCA. She is also a member of the boards of Barclays US LLC and Barclays Bank of Delaware. Previously, Ms. Glossman served on the board of directors of A.M. Todd Company from 1998 to July 2011, and as an independent trustee on State Street Global Advisors mutual fund board from October 2009 to April 2011. Ms. Glossman was a sixtime member of Institutional Investors AllAmerica Research Team and a member of the top ranked Global Bank Research team, along with winning the 2003 Wall Street Journal survey in the brokerdealer category, and was ranked for several years in the Reuters large cap and mid cap bank surveys by both fund managers and companies. Further, she was a frequent commentator on industry and company events for such entities as The Nightly Business Report, The Wall Street Journal, Financial Times, The New York Times, The Economist, CNN, CNBC, and various trade publications. Ms. Glossman earned a B.S. in economics from the Wharton School at the University of Pennsylvania with a double major in finance and health care administration, having also attended the University of California at Davis since 2014.
Age 62
Tenure 10 years
Professional MarksCFA
Address 1741 Tiburon Drive, Wilmington, NC, United States, 28403
Phone910 790 5867
Webhttps://www.liveoakbank.com
Glossman was awarded her Chartered Financial Analyst designation . We believe that Ms. Glossman’s depth of experience and financial expertise qualify her to serve as one of our directors.

Live Oak Management Efficiency

As of April 28, 2024, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.01. 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 (1.1 B). 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.
The company has 23.35 M in debt with debt to equity (D/E) ratio of 4.28, demonstrating that the company may be unable to create cash to meet all of its financial commitments. Debt can assist Live Oak until it has trouble settling it off, either with new capital or with free cash flow. So, Live Oak's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Live Oak Bancshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Live to invest in growth at high rates of return. When we think about Live Oak's use of debt, we should always consider it together with cash and equity.

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Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina. Live Oak operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 891 people. Live Oak Bancshares (LOB) is traded on New York Stock Exchange in USA. It is located in 1741 Tiburon Drive, Wilmington, NC, United States, 28403 and employs 943 people. Live Oak is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Live Oak Bancshares Leadership Team

Elected by the shareholders, the Live Oak's board of directors comprises two types of representatives: Live Oak inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Live. The board's role is to monitor Live Oak's management team and ensure that shareholders' interests are well served. Live Oak's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Live Oak's outside directors are responsible for providing unbiased perspectives on the board's policies.
Huntley Garriott, Pres Company
Jamie Bourgeois, Senior Infrastructure
Steven Smits, Chief Credit Officer
Holt, Chief Revenue Officer
Scott Custer, President Live Oak Banking Company
Gareth Davies, Head Management
Stephanie Mann, Chief Officer
Brett Caines, CFO
Micah Davis, Chief Officer
Angus McDonald, Executive Finance
Diane Glossman, Director
Miltom Petty, Director
William III, CFO Officer
John Sutherland, Chief Officer
Thomas Hill, CIO
Walter Phifer, Chief Officer
Claire Parker, Senior Communications
Susan Janson, Chief Risk Officer
Glen Hoffsis, Director
William Cameron, Director
Donald Jackson, Director
Gregory Seward, General Counsel
Gregory Thompson, COO
Howard Landis, Director
Jerald Pullins, Director
Courtney Spencer, Chief Officer
Renato Derraik, Chief Bank
William Williams, Vice Chairman of the Board
Wesley Sutherland, Chief Accounting Officer
David Lucht, Chief Risk Officer, Director
Neil Underwood, President Director
James III, Chairman CEO
Mark Moroz, Ex Payments
Peter Underwood, Chief Ventures
James Mahan, Chairman of the Board, CEO
Mike McGinley, Executive Banking

Live Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Live Oak a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:
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When running Live Oak's price analysis, check to measure Live Oak's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Live Oak is operating at the current time. Most of Live Oak's value examination focuses on studying past and present price action to predict the probability of Live Oak's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Live Oak's price. Additionally, you may evaluate how the addition of Live Oak to your portfolios can decrease your overall portfolio volatility.
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Is Live Oak's industry 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
38.942
Dividend Share
0.12
Earnings Share
1.99
Revenue Per Share
9.176
Quarterly Revenue Growth
0.21
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.
Please note, there is a significant difference between Live Oak's value and its price as these two are different measures arrived at by different 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.