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Live Oak Bancshares, Inc. (LOB) vs Triumph Financial, Inc. (TFIN)

Live Oak Bancshares, Inc. and Triumph Financial, Inc. are both Banks Regional companies. Live Oak Bancshares, Inc. and Triumph Financial, Inc. are of similar size ($1.6B and $1.5B). Live Oak Bancshares, Inc. trades at the lower P/E: 11.8× against 31.0×. Live Oak Bancshares, Inc. grew revenue faster over the last twelve months: 14.6% against 12.5%. Live Oak Bancshares, Inc. has the higher net margin (11.7% vs 8.39%) and the higher return on invested capital (54.1% vs 0.00%). Across the 18 metrics below, Live Oak Bancshares, Inc. leads on 14 and Triumph Financial, Inc. on 4.

Valuation

Metric LOB TFIN Banks Regional median
P/E 11.76 31.03 11.87
P/S 1.40 2.60 2.35
P/B 1.29 1.57 1.23
Price to free cash flow 5.07 8.78 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 3.22% 8.34%
Free cash flow yield 19.72% 11.39% 9.37%

Profitability

Metric LOB TFIN Banks Regional median
Gross margin 57.84% 83.95% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.66% 8.39% 18.99%
Free cash flow margin 27.59% 29.64% 18.19%
Return on equity 11.28% 5.22% 10.45%
Return on assets 0.83% 0.67% 1.15%
Return on invested capital 54.08% 0.00% 8.54%

Growth

Metric LOB TFIN Banks Regional median
Revenue growth (TTM) 14.63% 12.47% 6.56%
EPS growth (last fiscal year) 31.95% 72.22% 18.85%
Revenue growth, 5-year CAGR 22.62% 6.29% 12.65%
Net income growth, 5-year CAGR 11.55% (18.69%) 9.81%

Health

Metric LOB TFIN Banks Regional median
Debt to equity 0.00 0.04 0.14
Current ratio 0.95 1.02 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric LOB TFIN Banks Regional median
Dividend yield 0.35% — 2.51%
Payout ratio 0.04 — 0.30

Size

Metric LOB TFIN Banks Regional median
Market cap 1.57b 1.49b 915.17m

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