Live Oak Bancshares (LOB) Competitors $37.72 +2.69 (+7.68%) As of 08/22/2025 03:58 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsFinancialsSEC FilingsShort InterestTrendsBuy This Stock LOB vs. UPST, OZK, PFSI, VLY, GBCI, HWC, QFIN, AX, FLG, and AUBShould you be buying Live Oak Bancshares stock or one of its competitors? The main competitors of Live Oak Bancshares include Upstart (UPST), Bank OZK (OZK), PennyMac Financial Services (PFSI), Valley National Bancorp (VLY), Glacier Bancorp (GBCI), Hancock Whitney (HWC), Qfin (QFIN), AXOS FINANCIAL (AX), Flagstar Financial (FLG), and Atlantic Union Bankshares (AUB). These companies are all part of the "banking" industry. Live Oak Bancshares vs. Its Competitors Upstart Bank OZK PennyMac Financial Services Valley National Bancorp Glacier Bancorp Hancock Whitney Qfin AXOS FINANCIAL Flagstar Financial Atlantic Union Bankshares Live Oak Bancshares (NYSE:LOB) and Upstart (NASDAQ:UPST) are both banking companies, but which is the superior business? We will compare the two businesses based on the strength of their media sentiment, institutional ownership, analyst recommendations, dividends, profitability, valuation, risk and earnings. Is LOB or UPST more profitable? Live Oak Bancshares has a net margin of 5.71% compared to Upstart's net margin of -0.75%. Live Oak Bancshares' return on equity of 5.46% beat Upstart's return on equity.Company Net Margins Return on Equity Return on Assets Live Oak Bancshares5.71% 5.46% 0.42% Upstart -0.75%-5.95%-1.75% Which has higher valuation & earnings, LOB or UPST? Live Oak Bancshares has higher revenue and earnings than Upstart. Upstart 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$936.15M1.84$77.47M$1.2230.92Upstart$636.53M10.41-$128.58M-$0.08-860.63 Do insiders and institutionals believe in LOB or UPST? 64.0% of Live Oak Bancshares shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 23.4% of Live Oak Bancshares shares are held by insiders. Comparatively, 16.7% of Upstart shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth. Which has more risk & volatility, LOB or UPST? Live Oak Bancshares has a beta of 1.82, suggesting that its share price is 82% more volatile than the S&P 500. Comparatively, Upstart has a beta of 2.39, suggesting that its share price is 139% more volatile than the S&P 500. Does the media prefer LOB or UPST? In the previous week, Upstart had 11 more articles in the media than Live Oak Bancshares. MarketBeat recorded 15 mentions for Upstart and 4 mentions for Live Oak Bancshares. Live Oak Bancshares' average media sentiment score of 0.58 beat Upstart's score of 0.30 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 0 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive Upstart 7 Very Positive mention(s) 2 Positive mention(s) 1 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Neutral Do analysts prefer LOB or UPST? Upstart has a consensus price target of $78.54, indicating a potential upside of 14.07%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than Live Oak Bancshares.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Live Oak Bancshares 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00Upstart 1 Sell rating(s) 7 Hold rating(s) 6 Buy rating(s) 0 Strong Buy rating(s) 2.36 SummaryLive Oak Bancshares beats Upstart on 10 of the 16 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 LOB 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 NYSE 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 – Fed Reserve System IndustryFinancial SectorNYSE ExchangeMarket Cap$1.60B$2.34B$6.49B$20.92BDividend Yield0.34%2.26%4.18%3.58%P/E Ratio30.9216.7814.4229.13Price / Sales1.842.891,787.0553.00Price / Cash15.8812.24127.2023.54Price / Book1.621.225.135.45Net Income$77.47M$153.05M$1.23B$992.10M7 Day Performance9.11%4.79%0.92%2.61%1 Month PerformanceN/A3.57%2.17%1.46%1 Year PerformanceN/AN/A24.12%10.72% Live Oak Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)LOBLive Oak Bancshares1.539 of 5 stars$37.72+7.7%N/AN/A$1.60B$936.15M30.921,052News CoverageAnalyst UpgradeHigh Trading VolumeUPSTUpstart4.3586 of 5 stars$64.09+0.4%$77.85+21.5%+73.4%$6.17B$636.53M-801.131,193Analyst UpgradeInsider TradeOZKBank OZK4.3211 of 5 stars$49.32-1.9%$52.88+7.2%+25.5%$5.61B$1.67B8.013,028Positive NewsAnalyst UpgradePFSIPennyMac Financial Services4.6501 of 5 stars$106.92-1.4%$118.67+11.0%+10.3%$5.53B$1.59B14.834,100News CoveragePositive NewsAnalyst UpgradeInsider TradeVLYValley National Bancorp3.6948 of 5 stars$9.82-2.4%$10.95+11.5%+25.6%$5.50B$3.58B12.593,732Positive NewsGBCIGlacier Bancorp0.93 of 5 stars$45.37-1.7%N/AN/A$5.38B$1.27B23.633,595News CoverageHWCHancock Whitney4.5425 of 5 stars$59.86-2.2%$66.71+11.5%+25.9%$5.07B$2.06B11.023,476News CoveragePositive NewsDividend AnnouncementAnalyst RevisionQFINQfin4.9397 of 5 stars$31.95-4.1%$51.73+61.9%+24.8%$5.04B$14.77B4.513,527News CoveragePositive NewsDividend IncreaseAnalyst DowngradeAXAXOS FINANCIAL2.3652 of 5 stars$87.87-1.3%$90.86+3.4%+40.9%$4.96B$1.95B11.781,781Positive NewsFLGFlagstar Financial1.5783 of 5 stars$11.96-0.2%$13.22+10.6%N/A$4.96B$6.35B-7.256,993Positive NewsAUBAtlantic Union Bankshares4.2586 of 5 stars$33.58-1.8%$38.33+14.2%-5.9%$4.79B$1.05B14.661,880News CoveragePositive News Related Companies and Tools Related Companies Upstart Competitors Bank OZK Competitors PennyMac Financial Services Competitors Valley National Bancorp Competitors Glacier Bancorp Competitors Hancock Whitney Competitors Qfin Competitors AXOS FINANCIAL Competitors Flagstar Financial Competitors Atlantic Union Bankshares Competitors 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 (NYSE:LOB) was last updated on 8/23/2025 by MarketBeat.com Staff From Our PartnersBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. 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