LOB vs. BANR, LKFN, CUBI, EFSC, IBTX, RNST, TFIN, OFG, SYBT, and FBK
Should you be buying Live Oak Bancshares stock or one of its competitors? The main competitors of Live Oak Bancshares include Banner (BANR), Lakeland Financial (LKFN), Customers Bancorp (CUBI), Enterprise Financial Services (EFSC), Independent Bank Group (IBTX), Renasant (RNST), Triumph Financial (TFIN), OFG Bancorp (OFG), Stock Yards Bancorp (SYBT), and FB Financial (FBK). These companies are all part of the "state commercial banks" industry.
Banner (NASDAQ:BANR) and Live Oak Bancshares (NASDAQ:LOB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, dividends, profitability, institutional ownership, risk, analyst recommendations, community ranking and media sentiment.
Banner currently has a consensus target price of $51.20, indicating a potential upside of 9.82%. Live Oak Bancshares has a consensus target price of $38.00, indicating a potential upside of 7.01%. Given Live Oak Bancshares' higher probable upside, research analysts clearly believe Banner is more favorable than Live Oak Bancshares.
Banner received 69 more outperform votes than Live Oak Bancshares when rated by MarketBeat users. Likewise, 58.23% of users gave Banner an outperform vote while only 54.05% of users gave Live Oak Bancshares an outperform vote.
Banner has a net margin of 21.62% compared to Banner's net margin of 10.62%. Live Oak Bancshares' return on equity of 11.47% beat Banner's return on equity.
Banner pays an annual dividend of $1.92 per share and has a dividend yield of 4.1%. Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. Banner pays out 39.9% of its earnings in the form of a dividend. Live Oak Bancshares pays out 6.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Banner has increased its dividend for 2 consecutive years. Banner is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Banner has higher revenue and earnings than Live Oak Bancshares. Banner is trading at a lower price-to-earnings ratio than Live Oak Bancshares, indicating that it is currently the more affordable of the two stocks.
87.3% of Banner shares are held by institutional investors. Comparatively, 64.0% of Live Oak Bancshares shares are held by institutional investors. 1.6% of Banner shares are held by company insiders. Comparatively, 23.9% of Live Oak Bancshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
In the previous week, Banner had 7 more articles in the media than Live Oak Bancshares. MarketBeat recorded 8 mentions for Banner and 1 mentions for Live Oak Bancshares. Banner's average media sentiment score of 0.79 beat Live Oak Bancshares' score of 0.61 indicating that Live Oak Bancshares is being referred to more favorably in the news media.
Banner has a beta of 1.04, suggesting that its share price is 4% more volatile than the S&P 500. Comparatively, Live Oak Bancshares has a beta of 1.63, suggesting that its share price is 63% more volatile than the S&P 500.
Summary
Banner beats Live Oak Bancshares on 14 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding LOB and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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