LOB vs. LKFN, BANR, 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 Lakeland Financial (LKFN), Banner (BANR), 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.
Lakeland Financial (NASDAQ:LKFN) and Live Oak Bancshares (NASDAQ:LOB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, community ranking, valuation, analyst recommendations, media sentiment, institutional ownership, earnings, dividends and profitability.
Lakeland Financial currently has a consensus price target of $74.00, indicating a potential upside of 17.01%. Live Oak Bancshares has a consensus price target of $38.00, indicating a potential upside of 3.32%. Given Live Oak Bancshares' higher probable upside, analysts clearly believe Lakeland Financial is more favorable than Live Oak Bancshares.
Lakeland Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, Live Oak Bancshares has a beta of 1.63, indicating that its share price is 63% more volatile than the S&P 500.
81.2% of Lakeland Financial shares are held by institutional investors. Comparatively, 64.0% of Live Oak Bancshares shares are held by institutional investors. 3.3% of Lakeland Financial shares are held by insiders. Comparatively, 23.9% of Live Oak Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Lakeland Financial pays an annual dividend of $1.92 per share and has a dividend yield of 3.0%. Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. Lakeland Financial pays out 53.0% 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. Lakeland Financial has raised its dividend for 13 consecutive years. Lakeland Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Lakeland Financial has higher earnings, but lower revenue than Live Oak Bancshares. Lakeland Financial 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.
Lakeland Financial received 113 more outperform votes than Live Oak Bancshares when rated by MarketBeat users. Likewise, 56.69% of users gave Lakeland Financial an outperform vote while only 54.05% of users gave Live Oak Bancshares an outperform vote.
Lakeland Financial has a net margin of 22.81% compared to Lakeland Financial's net margin of 10.62%. Live Oak Bancshares' return on equity of 14.34% beat Lakeland Financial's return on equity.
In the previous week, Live Oak Bancshares had 11 more articles in the media than Lakeland Financial. MarketBeat recorded 11 mentions for Live Oak Bancshares and 0 mentions for Lakeland Financial. Live Oak Bancshares' average media sentiment score of 0.59 beat Lakeland Financial's score of 0.42 indicating that Lakeland Financial is being referred to more favorably in the media.
Summary
Lakeland Financial beats Live Oak Bancshares on 13 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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