Live Oak Bancshares, Inc. (LOB)vsMizuho Financial Group Inc. (MFG)
LOB
Live Oak Bancshares, Inc.
$32.82
+0.21%
FINANCIAL SERVICES · Cap: $1.47B
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 835593% more annual revenue ($4.02T vs $480.78M). MFG leads profitability with a 26.1% profit margin vs 22.0%. LOB trades at a lower P/E of 14.3x. MFG earns a higher WallStSmart Score of 74/100 (B).
LOB
Strong Buy72
out of 100
Grade: B
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.9%
Fair Value
$104.36
Current Price
$32.82
$71.54 discount
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 49.1%
Revenue surging 70.2% year-over-year
Conservative balance sheet, low leverage
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
3.5% earnings growth
Smaller company, higher risk/reward
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : LOB
The strongest argument for LOB centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 22.0% and operating margin at 49.1%. Revenue growth of 70.2% demonstrates continued momentum.
Bull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : LOB
The primary concerns for LOB are EPS Growth, Market Cap.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
LOB profiles as a growth stock while MFG is a mature play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.92 — expect wider price swings.
LOB is growing revenue faster at 70.2% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 72/100), backed by strong 26.1% margins. LOB offers better value entry with a 60.9% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Live Oak Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.
Visit Website →Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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