Live Oak Bancshares [LOB] vs Northwest Bancshares [NWBI] Detailed Stock Comparison

Live Oak Bancshares

NYSE
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Northwest Bancshares

NASDAQ
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TLDR: Quick Comparison Summary

Based on 18 vital metrics comparison: Live Oak Bancshares wins in 6 metrics, Northwest Bancshares wins in 12 metrics, with 0 ties. Northwest Bancshares appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricLive Oak BancsharesNorthwest BancsharesBetter
P/E Ratio (TTM)28.6911.13Northwest Bancshares
Price-to-Book Ratio1.490.97Northwest Bancshares
Debt-to-Equity Ratio0.100.29Live Oak Bancshares
PEG Ratio-1.910.02Live Oak Bancshares
Profit Margin (TTM)13.81%25.54%Northwest Bancshares
Operating Margin (TTM)28.90%37.47%Northwest Bancshares
EBITDA Margin (TTM)28.90%37.47%Northwest Bancshares
Return on Equity5.51%8.97%Northwest Bancshares
Return on Assets (TTM)0.44%0.99%Northwest Bancshares
Free Cash Flow (TTM)$487.16M$125.36MLive Oak Bancshares
Dividend Yield0.32%8.55%Northwest Bancshares
1-Year Return-25.10%-5.35%Northwest Bancshares
Price-to-Sales Ratio (TTM)3.913.25Northwest Bancshares
Enterprise Value$1.04B$2.00BNorthwest Bancshares
EV/Revenue Ratio2.553.56Live Oak Bancshares
Revenue per Share (TTM)$9$4Live Oak Bancshares
Earnings per Share (Diluted)$1.21$1.12Live Oak Bancshares
Beta (Stock Volatility)1.820.66Northwest Bancshares
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Live Oak Bancshares vs Northwest Bancshares Stock Performance Analysis

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Live Oak Bancshares
Northwest Bancshares
Live Oak Bancshares Stock Overview | Northwest Bancshares Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Live Oak Bancshares1.96%-1.23%-6.77%12.14%50.08%-8.17%
Northwest Bancshares0.72%1.05%-1.41%-5.78%13.15%-3.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Live Oak Bancshares-25.10%6.76%9.60%95.74%83.75%83.75%
Northwest Bancshares-5.35%-10.86%22.66%-4.56%21.94%43.87%

News Based Sentiment: Live Oak Bancshares vs Northwest Bancshares

Live Oak Bancshares

News based Sentiment: POSITIVE

October was a strong month for Live Oak Bancshares, marked by significant institutional investment, positive analyst coverage, and robust growth forecasts. While a valuation report raised a cautionary flag, the overall narrative points towards a positive trajectory for the company, making it a noteworthy development for investors.

View Live Oak Bancshares News Sentiment Analysis

Northwest Bancshares

News based Sentiment: POSITIVE

Northwest Bancshares demonstrated strong Q2 earnings, appointed a key leader to drive wealth management growth, and maintains a consistent dividend, all contributing to a positive investment narrative. Analyst sentiment is improving, and the stock is showing positive momentum, suggesting a strengthening outlook.

View Northwest Bancshares News Sentiment Analysis

Performance & Financial Health Analysis: Live Oak Bancshares vs Northwest Bancshares

MetricLOBNWBI
Market Information
Market Cap i$1.62B$1.85B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i236,950646,052
90 Day Avg. Volume i297,773796,484
Last Close$35.39$12.56
52 Week Range$22.68 - $50.30$10.75 - $15.42
% from 52W High-29.64%-18.55%
All-Time High$99.89 (Nov 01, 2021)$19.10 (Dec 05, 2016)
% from All-Time High-64.57%-34.24%
Growth Metrics
Quarterly Revenue Growth0.06%0.44%
Quarterly Earnings Growth-0.13%6.09%
Financial Health
Profit Margin (TTM) i0.14%0.26%
Operating Margin (TTM) i0.29%0.37%
Return on Equity (TTM) i0.06%0.09%
Debt to Equity (MRQ) i0.100.29
Cash & Liquidity
Book Value per Share (MRQ)$23.27$12.84
Cash per Share (MRQ)$14.50$2.05
Operating Cash Flow (TTM) i$674.84M$121.60M
Levered Free Cash Flow (TTM) i$77.47M$100.15M
Dividends
Last 12-Month Dividend Yield i0.32%8.55%
Last 12-Month Dividend i$0.09$1.00

Valuation & Enterprise Metrics Analysis: Live Oak Bancshares vs Northwest Bancshares

MetricLOBNWBI
Price Ratios
P/E Ratio (TTM) i28.6911.13
Forward P/E i12.1412.23
PEG Ratio i-1.910.02
Price to Sales (TTM) i3.913.25
Price to Book (MRQ) i1.490.97
Market Capitalization
Market Capitalization i$1.62B$1.85B
Enterprise Value i$1.04B$2.00B
Enterprise Value Metrics
Enterprise to Revenue i2.553.56
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.820.66
Book Value per Share (MRQ) i$23.27$12.84

Financial Statements Comparison: Live Oak Bancshares vs Northwest Bancshares

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)LOBNWBI
Revenue/Sales i$123.77M$149.54M
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$13.13M$44.10M
Income Tax i$3.46M$10.42M
Net Income (Profit) i$9.67M$33.68M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)LOBNWBI
Cash & Equivalents i$744.51M$353.20M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$110.25M$244.52M
Total Shareholders Equity i$1.03B$1.63B
Retained Earnings i$724.22M$691.07M
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)LOBNWBI
Operating Cash Flow i$91.29M$100.84M
Capital Expenditures i$-2.07M$-1.82M
Free Cash Flow i$102.68M$105.79M
Debt Repayment i$-2.62MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricLOBNWBI
Shares Short i1.71M4.32M
Short Ratio i5.815.86
Short % of Float i0.06%0.04%
Average Daily Volume (10 Day) i236,950646,052
Average Daily Volume (90 Day) i297,773796,484
Shares Outstanding i45.36M127.51M
Float Shares i34.90M144.65M
% Held by Insiders i0.23%0.01%
% Held by Institutions i0.68%0.64%

Dividend Analysis & Yield Comparison: Live Oak Bancshares vs Northwest Bancshares

MetricLOBNWBI
Last 12-Month Dividend i$0.09$1.00
Last 12-Month Dividend Yield i0.32%8.55%
3-Year Avg Annual Dividend i$0.10$0.87
3-Year Avg Dividend Yield i0.08%1.59%
3-Year Total Dividends i$0.30$2.60
Ex-Dividend DateFeb 25, 2025Aug 08, 2025