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Screener Weekly Summary Pricing

Live Oak Bancshares, Inc. (LOB) vs OceanFirst Financial Corp. (OCFC)

Live Oak Bancshares, Inc. and OceanFirst Financial Corp. are both Banks Regional companies. Live Oak Bancshares, Inc. and OceanFirst Financial Corp. are of similar size ($1.7B and $1.7B). Live Oak Bancshares, Inc. trades at the lower P/E: 13.0× against 20.1×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 12.0% against 10.5%. Live Oak Bancshares, Inc. has the higher net margin (12.3% vs 6.38%) and the higher return on invested capital (29.7% vs 1.77%). Both pay a dividend; OceanFirst Financial Corp. yields more (5.30% vs 0.32%). Across the 20 metrics below, Live Oak Bancshares, Inc. leads on 16 and OceanFirst Financial Corp. on 4.

Valuation

Metric LOB OCFC Banks Regional median
P/E 13.01 20.12 12.15
P/S 1.61 1.60 2.37
P/B 1.42 0.50 1.21
Price to free cash flow 6.98 10.56 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.77 4.35 2.27
Earnings yield 7.68% 4.97% 8.11%
Free cash flow yield 14.33% 9.47% 8.98%

Profitability

Metric LOB OCFC Banks Regional median
Gross margin 57.11% 58.89% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.25% 6.38% 18.66%
Free cash flow margin 23.01% 15.15% 21.18%
Return on equity 11.57% 2.36% 10.64%
Return on assets 0.89% 0.26% 1.13%
Return on invested capital 29.70% 1.77% 8.33%

Growth

Metric LOB OCFC Banks Regional median
Revenue growth (TTM) 12.04% 10.49% 6.61%
EPS growth (last fiscal year) 31.95% (29.09%) —
Revenue growth, 5-year CAGR 22.62% 8.66% 12.30%
Net income growth, 5-year CAGR 11.55% 1.86% 9.71%

Health

Metric LOB OCFC Banks Regional median
Debt to equity 0.00 0.97 0.22
Current ratio 0.95 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LOB OCFC Banks Regional median
Dividend yield 0.32% 5.30% 3.75%
Payout ratio 0.09 0.33 0.27

Size

Metric LOB OCFC Banks Regional median
Market cap 1.72b 1.66b 921.07m

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