Live Oak Bancshares (LOB) Competitors $26.94 +0.08 (+0.28%) Closing price 05/22/2025 03:59 PM EasternExtended Trading$26.96 +0.02 (+0.07%) As of 04:30 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsTrendsBuy This Stock LOB vs. FLG, VLY, PFSI, UPST, HWC, BBAR, SFBS, AX, ASB, and IFSShould you be buying Live Oak Bancshares stock or one of its competitors? The main competitors of Live Oak Bancshares include Flagstar Financial (FLG), Valley National Bancorp (VLY), PennyMac Financial Services (PFSI), Upstart (UPST), Hancock Whitney (HWC), Banco BBVA Argentina (BBAR), ServisFirst Bancshares (SFBS), Axos Financial (AX), Associated Banc (ASB), and Intercorp Financial Services (IFS). These companies are all part of the "banking" industry. Live Oak Bancshares vs. Flagstar Financial Valley National Bancorp PennyMac Financial Services Upstart Hancock Whitney Banco BBVA Argentina ServisFirst Bancshares Axos Financial Associated Banc Intercorp Financial Services Live Oak Bancshares (NASDAQ:LOB) and Flagstar Financial (NYSE:FLG) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, media sentiment, profitability, risk, community ranking, earnings, analyst recommendations, dividends and valuation. Do institutionals and insiders believe in LOB or FLG? 64.0% of Live Oak Bancshares shares are held by institutional investors. Comparatively, 67.9% of Flagstar Financial shares are held by institutional investors. 23.4% of Live Oak Bancshares shares are held by insiders. Comparatively, 19.4% of Flagstar Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth. Do analysts rate LOB or FLG? Live Oak Bancshares presently has a consensus price target of $42.25, suggesting a potential upside of 56.80%. Flagstar Financial has a consensus price target of $13.50, suggesting a potential upside of 14.70%. Given Live Oak Bancshares' higher possible upside, research analysts plainly believe Live Oak Bancshares is more favorable than Flagstar Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Live Oak Bancshares 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50Flagstar Financial 0 Sell rating(s) 4 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 2.50 Does the MarketBeat Community believe in LOB or FLG? Live Oak Bancshares received 260 more outperform votes than Flagstar Financial when rated by MarketBeat users. Likewise, 53.75% of users gave Live Oak Bancshares an outperform vote while only 45.45% of users gave Flagstar Financial an outperform vote. CompanyUnderperformOutperformLive Oak BancsharesOutperform Votes26553.75% Underperform Votes22846.25% Flagstar FinancialOutperform Votes545.45% Underperform Votes654.55% Is LOB or FLG a better dividend stock? Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.4%. Flagstar Financial pays an annual dividend of $0.04 per share and has a dividend yield of 0.3%. Live Oak Bancshares pays out 9.2% of its earnings in the form of a dividend. Flagstar Financial pays out -1.5% 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. Which has stronger earnings and valuation, LOB or FLG? Live Oak Bancshares has higher earnings, but lower revenue than Flagstar Financial. Flagstar 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioLive Oak Bancshares$498.34M2.47$77.47M$1.3020.73Flagstar Financial$2.32B2.11-$1.09B-$2.60-4.53 Does the media refer more to LOB or FLG? In the previous week, Live Oak Bancshares had 6 more articles in the media than Flagstar Financial. MarketBeat recorded 9 mentions for Live Oak Bancshares and 3 mentions for Flagstar Financial. Live Oak Bancshares' average media sentiment score of 0.75 beat Flagstar Financial's score of 0.27 indicating that Live Oak Bancshares is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Live Oak Bancshares 6 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 1 Very Negative mention(s) Positive Flagstar Financial 0 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Is LOB or FLG more profitable? Live Oak Bancshares has a net margin of 7.10% compared to Flagstar Financial's net margin of -17.16%. Live Oak Bancshares' return on equity of 6.88% beat Flagstar Financial's return on equity.Company Net Margins Return on Equity Return on Assets Live Oak Bancshares7.10% 6.88% 0.55% Flagstar Financial -17.16%-10.72%-0.76% Which has more volatility & risk, LOB or FLG? Live Oak Bancshares has a beta of 1.84, meaning that its share price is 84% more volatile than the S&P 500. Comparatively, Flagstar Financial has a beta of 1.14, meaning that its share price is 14% more volatile than the S&P 500. SummaryLive Oak Bancshares beats Flagstar Financial on 15 of the 19 factors compared between the two stocks. Get Live Oak Bancshares News Delivered to You Automatically Sign up to receive the latest news and ratings for LOB and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart LOB vs. The Competition Export to ExcelMetricLive Oak BancsharesState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$1.23B$3.24B$11.47B$8.39BDividend Yield0.43%3.70%5.45%4.11%P/E Ratio18.5823.7222.4219.71Price / Sales2.473.0627.62120.55Price / Cash15.4010.6317.6234.62Price / Book1.331.192.774.50Net Income$77.47M$372.21M$1.03B$248.22M7 Day Performance-4.86%-2.97%-0.23%0.56%1 Month Performance8.14%4.41%6.11%13.17%1 Year Performance-23.91%15.59%536.61%7.30% Live Oak Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)LOBLive Oak Bancshares4.3808 of 5 stars$26.95+0.3%$42.25+56.8%-23.9%$1.23B$498.34M18.58960Dividend AnnouncementFLGFlagstar Financial1.6832 of 5 stars$12.43+3.6%$13.25+6.6%N/A$5.16B$2.32B-3.378,766News CoverageAnalyst ForecastGap UpHigh Trading VolumeVLYValley National Bancorp4.5147 of 5 stars$9.20+4.4%$10.67+15.9%+13.4%$5.15B$1.87B13.333,830News CoveragePositive NewsDividend AnnouncementAnalyst ForecastPFSIPennyMac Financial Services4.8858 of 5 stars$98.93+1.4%$121.17+22.5%+4.6%$5.11B$2.98B16.944,140UPSTUpstart4.2307 of 5 stars$52.96+12.3%$63.42+19.8%+87.5%$5.04B$714.41M-36.271,880Insider TradeHWCHancock Whitney4.7034 of 5 stars$57.58+5.3%$61.25+6.4%+17.1%$4.96B$1.45B10.913,630News CoveragePositive NewsDividend AnnouncementBBARBanco BBVA Argentina2.8921 of 5 stars$21.34+4.6%$27.00+26.6%+99.1%$4.36B$3.43T11.115,850News CoveragePositive NewsEarnings ReportAnalyst ForecastGap DownSFBSServisFirst Bancshares3.347 of 5 stars$78.70+5.5%$87.50+11.2%+14.8%$4.30B$498.08M18.92570News CoveragePositive NewsAXAxos Financial3.3382 of 5 stars$72.19+4.9%$81.50+12.9%+15.0%$4.07B$1.21B9.701,340Positive NewsAnalyst ForecastASBAssociated Banc4.8507 of 5 stars$24.39+5.1%$26.00+6.6%+7.7%$4.04B$1.05B30.874,100Positive NewsIFSIntercorp Financial Services3.6073 of 5 stars$34.40+0.1%$30.00-12.8%+60.4%$3.94B$6.54B11.397,380Positive News Related Companies and Tools Related Companies FLG Alternatives VLY Alternatives PFSI Alternatives UPST Alternatives HWC Alternatives BBAR Alternatives SFBS Alternatives AX Alternatives ASB Alternatives IFS Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:LOB) was last updated on 5/23/2025 by MarketBeat.com Staff From Our PartnersMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredWhite House to reset Social Security?Elon Musk's parting DOGE gift looks set to shock America... 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