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Live Oak Bancshares, Inc. (LOB) vs National Bank Holdings Corporation (NBHC)

Live Oak Bancshares, Inc. and National Bank Holdings Corporation are both Banks Regional companies. Live Oak Bancshares, Inc. and National Bank Holdings Corporation are of similar size ($1.7B and $1.6B). Live Oak Bancshares, Inc. trades at the lower P/E: 12.2× against 30.1×. National Bank Holdings Corporation grew revenue faster over the last twelve months: 14.6% against 12.0%. Live Oak Bancshares, Inc. has the higher net margin (12.3% vs 8.02%) and the higher return on invested capital (29.7% vs 2.67%). Both pay a dividend; National Bank Holdings Corporation yields more (3.34% vs 0.34%). Across the 19 metrics below, Live Oak Bancshares, Inc. leads on 14 and National Bank Holdings Corporation on 5.

Valuation

Metric LOB NBHC Banks Regional median
P/E 12.18 30.12 12.46
P/S 1.50 2.48 2.41
P/B 1.33 1.04 1.26
Price to free cash flow 6.53 11.64 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.21% 3.32% 7.96%
Free cash flow yield 15.31% 8.59% 8.80%

Profitability

Metric LOB NBHC Banks Regional median
Gross margin 57.11% 70.96% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.25% 8.02% 18.88%
Free cash flow margin 23.01% 0.00% 17.28%
Return on equity 11.57% 3.64% 10.43%
Return on assets 0.89% 0.48% 1.14%
Return on invested capital 29.70% 2.67% 8.47%

Growth

Metric LOB NBHC Banks Regional median
Revenue growth (TTM) 12.04% 14.62% 6.94%
EPS growth (last fiscal year) 31.95% (7.47%) 18.88%
Revenue growth, 5-year CAGR 22.62% 10.39% 12.56%
Net income growth, 5-year CAGR 11.55% 4.34% 9.78%

Health

Metric LOB NBHC Banks Regional median
Debt to equity 0.00 0.20 0.20
Current ratio 0.95 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LOB NBHC Banks Regional median
Dividend yield 0.34% 3.34% 2.64%
Payout ratio 0.04 1.00 0.32

Size

Metric LOB NBHC Banks Regional median
Market cap 1.60b 1.66b 910.32m

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