Live Oak Bancshares (LOB) Competitors

Live Oak Bancshares (NYSE:LOB) and Cadence Bank (NYSE:CADE) are both banking companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, media sentiment, institutional ownership, risk, valuation, dividends, earnings and analyst recommendations.

Which has more risk & volatility, LOB or CADE?

Live Oak Bancshares has a beta of 1.75, indicating that its stock price is 75% more volatile than the S&P 500. Comparatively, Cadence Bank has a beta of 0.91, indicating that its stock price is 9% less volatile than the S&P 500.

Is LOB or CADE more profitable?

Cadence Bank has a net margin of 18.79% compared to Live Oak Bancshares' net margin of 5.71%. Cadence Bank's return on equity of 9.84% beat Live Oak Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Live Oak Bancshares	5.71%	5.46%	0.42%
Cadence Bank	18.79%	9.84%	1.12%

Which has stronger valuation and earnings, LOB or CADE?

Cadence Bank has higher revenue and earnings than Live Oak Bancshares. Cadence Bank is trading at a lower price-to-earnings ratio than Live Oak Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Live Oak Bancshares	$936.15M	1.80	$77.47M	$1.22	30.25
Cadence Bank	$2.90B	2.37	$523.60M	$2.81	13.45

Do analysts prefer LOB or CADE?

Cadence Bank has a consensus price target of $40.40, suggesting a potential upside of 6.86%. Given Cadence Bank's stronger consensus rating and higher possible upside, analysts plainly believe Cadence Bank is more favorable than Live Oak Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Live Oak Bancshares	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Cadence Bank	0 Sell rating(s)	4 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.64

Do insiders & institutionals believe in LOB or CADE?

64.0% of Live Oak Bancshares shares are owned by institutional investors. Comparatively, 84.6% of Cadence Bank shares are owned by institutional investors. 23.4% of Live Oak Bancshares shares are owned by company insiders. Comparatively, 2.2% of Cadence Bank shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Is LOB or CADE a better dividend stock?

Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. Cadence Bank pays an annual dividend of $1.10 per share and has a dividend yield of 2.9%. Live Oak Bancshares pays out 9.8% of its earnings in the form of a dividend. Cadence Bank pays out 39.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Cadence Bank has increased its dividend for 14 consecutive years. Cadence Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media prefer LOB or CADE?

In the previous week, Cadence Bank had 5 more articles in the media than Live Oak Bancshares. MarketBeat recorded 10 mentions for Cadence Bank and 5 mentions for Live Oak Bancshares. Cadence Bank's average media sentiment score of 1.20 beat Live Oak Bancshares' score of 0.29 indicating that Cadence Bank is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Live Oak Bancshares	0 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Cadence Bank	7 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Cadence Bank beats Live Oak Bancshares on 15 of the 19 factors compared between the two stocks.