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Live Oak Bancshares, Inc. (LOB) vs TriCo Bancshares (TCBK)

Live Oak Bancshares, Inc. and TriCo Bancshares are both Banks Regional companies. Live Oak Bancshares, Inc. and TriCo Bancshares are of similar size ($1.7B and $1.6B). Live Oak Bancshares, Inc. trades at the lower P/E: 12.1× against 12.4×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 12.0% against 3.55%. TriCo Bancshares has the higher net margin (24.7% vs 12.3%) and the lower return on invested capital (8.97% vs 29.7%). Both pay a dividend; TriCo Bancshares yields more (2.77% vs 0.34%). Across the 19 metrics below, Live Oak Bancshares, Inc. leads on 12 and TriCo Bancshares on 7.

Valuation

Metric LOB TCBK Banks Regional median
P/E 12.08 12.39 11.98
P/S 1.49 3.02 2.34
P/B 1.32 1.24 1.19
Price to free cash flow 6.48 12.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.28% 8.07% 8.23%
Free cash flow yield 15.44% 8.01% 9.08%

Profitability

Metric LOB TCBK Banks Regional median
Gross margin 57.11% 79.56% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.25% 24.66% 18.66%
Free cash flow margin 23.01% 24.23% 21.11%
Return on equity 11.57% 10.38% 10.65%
Return on assets 0.89% 1.36% 1.13%
Return on invested capital 29.70% 8.97% 8.35%

Growth

Metric LOB TCBK Banks Regional median
Revenue growth (TTM) 12.04% 3.55% 6.98%
EPS growth (last fiscal year) 31.95% 6.94% 18.88%
Revenue growth, 5-year CAGR 22.62% 10.82% 12.38%
Net income growth, 5-year CAGR 11.55% 13.40% 9.71%

Health

Metric LOB TCBK Banks Regional median
Debt to equity 0.00 0.04 0.22
Current ratio 0.95 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LOB TCBK Banks Regional median
Dividend yield 0.34% 2.77% 2.57%
Payout ratio 0.04 0.35 0.30

Size

Metric LOB TCBK Banks Regional median
Market cap 1.63b 1.66b 913.33m

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