Live Oak Bancshares [LOB] vs Pathward Financial [CASH] Detailed Stock Comparison

Live Oak Bancshares Inc.

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Live Oak Bancshares Inc. wins in 8 metrics, Pathward Financial Inc. wins in 11 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Live Oak Bancshares Inc. Pathward Financial Inc. Better
P/E Ratio (TTM) 16.27 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.45 2.54 Live Oak Bancshares Inc.
Debt-to-Equity Ratio 0.08 0.07 Pathward Financial Inc.
PEG Ratio 0.05 0.55 Live Oak Bancshares Inc.
Profit Margin (TTM) 22.02% 24.31% Pathward Financial Inc.
Operating Margin (TTM) 49.07% 25.54% Live Oak Bancshares Inc.
EBITDA Margin (TTM) 49.07% 25.54% Live Oak Bancshares Inc.
Return on Equity 9.36% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 0.75% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $143.49M $236.59M Pathward Financial Inc.
Dividend Yield 0.36% 0.28% Live Oak Bancshares Inc.
1-Year Return 38.54% 5.37% Live Oak Bancshares Inc.
Price-to-Sales Ratio (TTM) 3.49 2.78 Pathward Financial Inc.
Enterprise Value $1.02B $1.85B Pathward Financial Inc.
EV/Revenue Ratio 2.12 2.36 Live Oak Bancshares Inc.
Revenue per Share (TTM) $11 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $2.23 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 1.90 0.74 Pathward Financial Inc.
Short % of Float 7.31% 10.89% Live Oak Bancshares Inc.

Live Oak Bancshares Inc. vs Pathward Financial Inc. Stock Performance Analysis

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LOB
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Live Oak Bancshares Inc.-4.76%-4.53%-1.91%-1.21%8.20%3.75%
Pathward Financial Inc.-4.51%-6.37%-9.31%-15.03%4.90%8.17%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Live Oak Bancshares Inc.38.54%54.59%-33.90%137.69%97.46%97.46%
Pathward Financial Inc.5.37%69.22%54.50%384.62%1,296.26%996.53%

Performance & Financial Health Analysis: Live Oak Bancshares Inc. vs Pathward Financial Inc.

MetricLOBCASH
Market Information
Market Cap i$1.73B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i210,437175,852
90 Day Avg. Volume i262,859230,397
Last Close$36.01$77.74
52 Week Range$26.98 - $42.89$65.87 - $101.26
% from 52W High-16.04%-23.23%
All-Time High$99.89 (Nov 01, 2021)$101.26 (Apr 17, 2026)
% from All-Time High-63.95%-23.23%
Growth Metrics
Quarterly Revenue Growth0.70%0.04%
Quarterly Earnings Growth3.67%0.17%
Financial Health
Profit Margin (TTM) i0.22%0.24%
Operating Margin (TTM) i0.49%0.26%
Return on Equity (TTM) i0.09%0.24%
Debt to Equity (MRQ) i0.080.07
Cash & Liquidity
Book Value per Share (MRQ)$25.06$38.55
Cash per Share (MRQ)$18.72$15.22
Operating Cash Flow (TTM) i$158.24M$630.66M
Levered Free Cash Flow (TTM) i$102.82M$185.18M
Dividends
Last 12-Month Dividend Yield i0.36%0.28%
Last 12-Month Dividend i$0.12$0.25

Valuation & Enterprise Metrics Analysis: Live Oak Bancshares Inc. vs Pathward Financial Inc.

MetricLOB (Apr 24, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i16.2711.91
Forward P/E i8.8210.21
PEG Ratio i0.050.55
Price to Sales (TTM) i3.492.78
Price to Book (MRQ) i1.452.54
Market Capitalization
Market Capitalization i$1.73B$1.96B
Enterprise Value i$1.02B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i2.122.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.900.74
Book Value per Share (MRQ) i$25.06$38.55

Financial Statements Comparison: Live Oak Bancshares Inc. vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricLOB (2025)CASH (2025)
Revenue/Sales i541.23M673.63M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i142.82M223.05M
Pre-Tax Income % of Revenue i26.4%33.1%
Income Tax i37.17M36.27M
Income Tax % of Revenue i6.9%5.4%
Net Income (Profit) i105.64M186.79M
Profit Margin i19.5%27.7%

Balance Sheet & Liquidity Metrics

MetricLOB (2025)CASH (2025)
Cash & Equivalents i865.15M120.57M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i102.40M33.46M
Long-Term Debt % of Revenue i18.9%5.0%
Total Shareholders Equity i1.25B857.45M
Retained Earnings i809.89M359.83M
Retained Earnings % of Revenue i149.6%53.4%
Property, Plant & Equipment i194.51M279.25M

Cash Flow Statement Comparison

MetricLOB (2025)CASH (2025)
Operating Cash Flow i140.84M453.09M
Operating Cash Flow % of Revenue i26.0%67.3%
Capital Expenditures i-10.40M-185.72M
Free Cash Flow i143.49M236.59M
FCF Margin i26.5%35.1%
Debt Repayment i-10.58MN/A
Common Stock Repurchase iN/A-163.05M

Short Interest & Institutional Ownership Analysis

MetricLOBCASH
Shares Short i2.15M1.97M
Short Ratio i7.078.16
Short % of Float i7.31%10.89%
Shares Outstanding i46.03M22.17M
Float Shares i35.75M21.45M
% Held by Insiders i23.03%1.42%
% Held by Institutions i71.84%95.01%
% Held by Public i5.13%3.57%

Dividend Analysis & Yield Comparison: Live Oak Bancshares Inc. vs Pathward Financial Inc.

MetricLOBCASH
Last 12-Month Dividend i$0.12$0.25
Last 12-Month Dividend Yield i0.36%0.28%
3-Year Avg Annual Dividend i$0.12$0.22
3-Year Avg Dividend Yield i0.09%0.08%
3-Year Total Dividends i$0.36$0.65
Ex-Dividend DateMar 05, 2026Mar 12, 2026