Live Oak Bancshares, Inc. (LOB)vsU.S. Bancorp (USB)
LOB
Live Oak Bancshares, Inc.
$40.97
-0.45%
FINANCIAL SERVICES · Cap: $1.89B
USB
U.S. Bancorp
$60.91
-0.49%
FINANCIAL SERVICES · Cap: $90.02B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 5102% more annual revenue ($26.65B vs $512.21M). USB leads profitability with a 29.3% profit margin vs 24.6%. USB trades at a lower P/E of 12.1x. LOB earns a higher WallStSmart Score of 74/100 (B).
LOB
Strong Buy74
out of 100
Grade: B
USB
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 35.5%
Revenue surging 33.5% year-over-year
Earnings expanding 185.7% YoY
Conservative balance sheet, low leverage
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : LOB
The strongest argument for LOB centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 35.5%. Revenue growth of 33.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : LOB
The primary concerns for LOB are Market Cap, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
LOB profiles as a growth stock while USB is a value play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.90 — expect wider price swings.
LOB is growing revenue faster at 33.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
LOB scores higher overall (74/100 vs 69/100), backed by strong 24.6% margins and 33.5% revenue growth. 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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