Live Oak Bancshares vs United Community Banks
LOB and UCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LOB and UCB compare
United Community Banks is the larger company, worth 2.8 times as much as Live Oak Bancshares ($4.5B against $1.6B).
On earnings, Live Oak Bancshares is cheaper: it trades at 12.4× trailing earnings, against 31.6× for United Community Banks.
Live Oak Bancshares grew revenue faster over the last twelve months (19.7% versus −20.6% for United Community Banks).
Live Oak Bancshares keeps more of each dollar of sales as profit, with a net margin of 22.9% compared with 17.8% at United Community Banks.
Both pay dividends: Live Oak Bancshares yields 0.34% and United Community Banks 2.7%.
Live Oak Bancshares scores higher on the StockData Score (17 against 9 for United Community Banks), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LOB | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $1.6B | $4.5B |
| Share price | $35.14 | $37.32 |
| Change, 1 year | 9.5% | 23.9% |
| Change, 5 years | −63.8% | 3.5% |
| Beta (5Y) | 1.37 | 0.82 |
| Employees | 1,027 | 3,070 |
| StockData Score | ||
| Total score | 17 (better) | 9 |
| Valuation score | 4 (better) | 0 |
| Growth score | 2 (better) | 0 |
| Performance score | 2 (better) | 1 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.4× (better) | 31.6× |
| P/S | 2.7× (better) | 5.5× |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 6.9× (better) | 11.1× |
| PEG | – | 24.22 |
| FCF yield | 14.6% (better) | 9.0% |
| Fair value | $40.85 | $24.71 |
| Margin of safety | 14.0% (better) | −51.0% |
| Growth | ||
| Revenue growth (TTM) | 19.7% (better) | −20.6% |
| Revenue growth, 5Y average | 123% (better) | 13.0% |
| Net income growth (TTM) | 149% (better) | −53.8% |
| EPS growth (TTM) | 135% (better) | −53.2% |
| EPS growth, 5Y average | 9.3% (better) | 6.5% |
| Profitability | ||
| Net margin | 22.9% (better) | 17.8% |
| FCF margin | 38.9% | 49.1% (better) |
| Return on equity | 11.7% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.18 (better) | 0.18 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.34% | 2.7% (better) |
| Payout ratio | 4.0% | 83.3% |
| Years of dividend growth | 0 | 11 (better) |
| Dividend growth, 5Y average | 0.00% | 6.4% (better) |
| Buyback yield | – | 2.6% |
| Shareholder yield | 0.34% | 5.3% (better) |
| Ownership | ||
| Held by institutions | 71.0% | 87.3% |
| Held by insiders | 19.7% | 0.72% |
| Insider net buying, 12 months | −$19.9M | −$2.3M (better) |
| Short interest, % of float | – | 4.8% |
Go deeper
- LOB stock overview
- LOB income statement
- LOB valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.