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Lakeland Financial Corporation (LKFN) vs Live Oak Bancshares, Inc. (LOB)

Lakeland Financial Corporation and Live Oak Bancshares, Inc. are both Banks Regional companies. Lakeland Financial Corporation 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 13.7×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 14.6% against 2.03%. Lakeland Financial Corporation has the higher net margin (26.5% vs 11.7%) and the lower return on invested capital (14.1% vs 54.1%). Both pay a dividend; Lakeland Financial Corporation yields more (3.38% vs 0.35%). Across the 19 metrics below, Live Oak Bancshares, Inc. leads on 13 and Lakeland Financial Corporation on 6.

Valuation

Metric LKFN LOB Banks Regional median
P/E 13.71 11.71 12.02
P/S 3.59 1.39 2.36
P/B 2.10 1.29 1.23
Price to free cash flow 12.76 5.05 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.29% 8.54% 8.21%
Free cash flow yield 7.84% 19.80% 9.23%

Profitability

Metric LKFN LOB Banks Regional median
Gross margin 66.07% 57.84% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.51% 11.66% 18.82%
Free cash flow margin 28.15% 27.59% 17.97%
Return on equity 15.37% 11.28% 10.28%
Return on assets 1.61% 0.83% 1.13%
Return on invested capital 14.10% 54.08% 8.45%

Growth

Metric LKFN LOB Banks Regional median
Revenue growth (TTM) 2.03% 14.63% 6.37%
EPS growth (last fiscal year) 10.47% 31.95% 18.85%
Revenue growth, 5-year CAGR 11.94% 22.62% 12.65%
Net income growth, 5-year CAGR 4.15% 11.55% 9.81%

Health

Metric LKFN LOB Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.90 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LKFN LOB Banks Regional median
Dividend yield 3.38% 0.35% 2.49%
Payout ratio 0.47 0.04 0.29

Size

Metric LKFN LOB Banks Regional median
Market cap 1.52b 1.57b 934.85m

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