Live Oak Bancshares, Inc. (LOB)vsPNC Financial Services Group Inc (PNC)
LOB
Live Oak Bancshares, Inc.
$40.97
-0.45%
FINANCIAL SERVICES · Cap: $1.89B
PNC
PNC Financial Services Group Inc
$244.99
-0.12%
FINANCIAL SERVICES · Cap: $92.58B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 4399% more annual revenue ($23.04B vs $512.21M). PNC leads profitability with a 31.3% profit margin vs 24.6%. PNC trades at a lower P/E of 13.4x. LOB earns a higher WallStSmart Score of 74/100 (B).
LOB
Strong Buy74
out of 100
Grade: B
PNC
Strong Buy72
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
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Expensive relative to growth rate
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 : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : LOB
The primary concerns for LOB are Market Cap, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
LOB profiles as a growth stock while PNC is a mature 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.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
LOB scores higher overall (74/100 vs 72/100), 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 →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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