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Amalgamated Financial Corp. (AMAL) vs Live Oak Bancshares, Inc. (LOB)

Amalgamated Financial Corp. and Live Oak Bancshares, Inc. are both Banks Regional companies. Amalgamated Financial Corp. and Live Oak Bancshares, Inc. are of similar size ($1.6B and $1.5B). Live Oak Bancshares, Inc. trades at the lower P/E: 11.7× against 12.0×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 14.6% against 12.5%. Amalgamated Financial Corp. has the higher net margin (24.6% vs 11.7%) and the lower return on invested capital (18.0% vs 54.1%). Both pay a dividend; Amalgamated Financial Corp. yields more (1.37% vs 0.35%). Across the 19 metrics below, Live Oak Bancshares, Inc. leads on 12 and Amalgamated Financial Corp. on 7.

Valuation

Metric AMAL LOB Banks Regional median
P/E 12.03 11.75 11.87
P/S 2.96 1.40 2.35
P/B 1.78 1.29 1.23
Price to free cash flow 10.48 5.07 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.31% 8.51% 8.34%
Free cash flow yield 9.54% 19.74% 9.37%

Profitability

Metric AMAL LOB Banks Regional median
Gross margin 75.62% 57.84% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.57% 11.66% 18.99%
Free cash flow margin 28.22% 27.59% 18.19%
Return on equity 15.30% 11.28% 10.45%
Return on assets 1.34% 0.83% 1.15%
Return on invested capital 17.97% 54.08% 8.54%

Growth

Metric AMAL LOB Banks Regional median
Revenue growth (TTM) 12.46% 14.63% 6.56%
EPS growth (last fiscal year) (0.87%) 31.95% 18.85%
Revenue growth, 5-year CAGR 14.42% 22.62% 12.65%
Net income growth, 5-year CAGR 17.73% 11.55% 9.81%

Health

Metric AMAL LOB Banks Regional median
Debt to equity 0.07 0.00 0.14
Current ratio 0.63 0.95 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMAL LOB Banks Regional median
Dividend yield 1.37% 0.35% 2.51%
Payout ratio 0.17 0.04 0.30

Size

Metric AMAL LOB Banks Regional median
Market cap 1.47b 1.57b 915.17m

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