Live Oak Bancshares, Inc. (LOB)vsU.S. Bancorp (USB)
LOB
Live Oak Bancshares, Inc.
$37.27
+0.49%
FINANCIAL SERVICES · Cap: $1.75B
USB
U.S. Bancorp
$58.40
+1.59%
FINANCIAL SERVICES · Cap: $91.11B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 5090% more annual revenue ($27.32B vs $526.38M). USB leads profitability with a 29.9% profit margin vs 26.5%. USB trades at a lower P/E of 11.9x. USB earns a higher WallStSmart Score of 77/100 (B+).
LOB
Strong Buy70
out of 100
Grade: B-
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 38.8%
Conservative balance sheet, low leverage
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 45.1% YoY
Attractively priced relative to earnings
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 21.6% YoY
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 Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.5% and operating margin at 38.8%. Revenue growth of 12.2% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Operating Margin, Market Cap. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
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, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
LOB carries more volatility with a beta of 1.87 — expect wider price swings.
LOB is growing revenue faster at 12.2% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (77/100 vs 70/100), backed by strong 29.9% margins and 10.4% 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?