Live Oak Bancshares (LOB) Competitors

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

Which has more volatility & risk, OZK or LOB?

Bank OZK has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500. Comparatively, Live Oak Bancshares has a beta of 1.82, suggesting that its stock price is 82% more volatile than the S&P 500.

Do institutionals and insiders hold more shares of OZK or LOB?

86.2% of Bank OZK shares are held by institutional investors. Comparatively, 64.0% of Live Oak Bancshares shares are held by institutional investors. 6.7% of Bank OZK shares are held by insiders. Comparatively, 23.4% of Live Oak Bancshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Is OZK or LOB more profitable?

Bank OZK has a net margin of 25.83% compared to Live Oak Bancshares' net margin of 5.71%. Bank OZK's return on equity of 13.24% beat Live Oak Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank OZK	25.83%	13.24%	1.84%
Live Oak Bancshares	5.71%	5.46%	0.42%

Which has higher earnings & valuation, OZK or LOB?

Bank OZK has higher revenue and earnings than Live Oak Bancshares. Bank OZK 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
Bank OZK	$2.77B	2.02	$716.46M	$6.16	8.01
Live Oak Bancshares	$936.15M	1.68	$77.47M	$1.22	28.34

Does the media favor OZK or LOB?

In the previous week, Bank OZK had 17 more articles in the media than Live Oak Bancshares. MarketBeat recorded 17 mentions for Bank OZK and 0 mentions for Live Oak Bancshares. Bank OZK's average media sentiment score of 1.16 beat Live Oak Bancshares' score of 0.00 indicating that Bank OZK is being referred to more favorably in the media.

Company	Overall Sentiment
Bank OZK	Positive
Live Oak Bancshares	Neutral

Is OZK or LOB a better dividend stock?

Bank OZK pays an annual dividend of $1.76 per share and has a dividend yield of 3.6%. Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. Bank OZK pays out 28.6% of its earnings in the form of a dividend. Live Oak Bancshares pays out 9.8% 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. Bank OZK has raised its dividend for 29 consecutive years. Bank OZK is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts recommend OZK or LOB?

Bank OZK presently has a consensus target price of $52.88, suggesting a potential upside of 7.21%. Given Bank OZK's stronger consensus rating and higher probable upside, analysts plainly believe Bank OZK is more favorable than Live Oak Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank OZK	0 Sell rating(s)	6 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.25
Live Oak Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

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