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

Live Oak Bancshares Inc.

NYSE
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Northwest Bancshares Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Live Oak Bancshares Inc. Northwest Bancshares Inc. Better
P/E Ratio (TTM) 16.27 14.37 Northwest Bancshares Inc.
Price-to-Book Ratio 1.45 1.02 Northwest Bancshares Inc.
Debt-to-Equity Ratio 0.08 0.41 Live Oak Bancshares Inc.
PEG Ratio 0.05 0.75 Live Oak Bancshares Inc.
Profit Margin (TTM) 22.02% 21.03% Live Oak Bancshares Inc.
Operating Margin (TTM) 49.07% 39.86% Live Oak Bancshares Inc.
EBITDA Margin (TTM) 49.07% 39.86% Live Oak Bancshares Inc.
Return on Equity 9.36% 7.23% Live Oak Bancshares Inc.
Return on Assets (TTM) 0.75% 0.81% Northwest Bancshares Inc.
Free Cash Flow (TTM) $143.49M $141.79M Live Oak Bancshares Inc.
Dividend Yield 0.36% 6.05% Northwest Bancshares Inc.
1-Year Return 38.54% 15.23% Live Oak Bancshares Inc.
Price-to-Sales Ratio (TTM) 3.49 3.23 Northwest Bancshares Inc.
Enterprise Value $1.02B $2.45B Northwest Bancshares Inc.
EV/Revenue Ratio 2.12 4.10 Live Oak Bancshares Inc.
Revenue per Share (TTM) $11 $4 Live Oak Bancshares Inc.
Earnings per Share (Diluted) $2.23 $0.92 Live Oak Bancshares Inc.
Beta (Stock Volatility) 1.90 0.63 Northwest Bancshares Inc.
Short % of Float 7.31% 5.64% Northwest Bancshares Inc.

Live Oak Bancshares Inc. vs Northwest Bancshares Inc. Stock Performance Analysis

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LOB
NWBI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Live Oak Bancshares Inc.-4.76%-4.53%-1.91%-1.21%8.20%3.75%
Northwest Bancshares Inc.-2.54%-0.79%0.15%9.35%10.67%15.19%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Live Oak Bancshares Inc.38.54%54.59%-33.90%137.69%97.46%97.46%
Northwest Bancshares Inc.15.23%24.56%-0.84%-3.48%17.43%25.55%

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

MetricLOBNWBI
Market Information
Market Cap i$1.73B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i210,4371,051,338
90 Day Avg. Volume i262,8591,576,466
Last Close$36.01$13.80
52 Week Range$26.98 - $42.89$11.25 - $14.26
% from 52W High-16.04%-3.23%
All-Time High$99.89 (Nov 01, 2021)$19.10 (Dec 05, 2016)
% from All-Time High-63.95%-27.75%
Growth Metrics
Quarterly Revenue Growth0.70%0.25%
Quarterly Earnings Growth3.67%0.40%
Financial Health
Profit Margin (TTM) i0.22%0.21%
Operating Margin (TTM) i0.49%0.40%
Return on Equity (TTM) i0.09%0.07%
Debt to Equity (MRQ) i0.080.41
Cash & Liquidity
Book Value per Share (MRQ)$25.06$12.94
Cash per Share (MRQ)$18.72$1.78
Operating Cash Flow (TTM) i$158.24M$153.42M
Levered Free Cash Flow (TTM) i$102.82M$125.95M
Dividends
Last 12-Month Dividend Yield i0.36%6.05%
Last 12-Month Dividend i$0.12$0.80

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

MetricLOB (Apr 24, 2026)NWBI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i16.2714.37
Forward P/E i8.829.29
PEG Ratio i0.050.75
Price to Sales (TTM) i3.493.23
Price to Book (MRQ) i1.451.02
Market Capitalization
Market Capitalization i$1.73B$1.96B
Enterprise Value i$1.02B$2.45B
Enterprise Value Metrics
Enterprise to Revenue i2.124.10
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.900.63
Book Value per Share (MRQ) i$25.06$12.94

Financial Statements Comparison: Live Oak Bancshares Inc. vs Northwest Bancshares 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)NWBI (2025)
Revenue/Sales i541.23M651.87M
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 i142.82M162.79M
Pre-Tax Income % of Revenue i26.4%25.0%
Income Tax i37.17M36.78M
Income Tax % of Revenue i6.9%5.6%
Net Income (Profit) i105.64M126.01M
Profit Margin i19.5%19.3%

Balance Sheet & Liquidity Metrics

MetricLOB (2025)NWBI (2025)
Cash & Equivalents i865.15M233.65M
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 i102.40M350.38M
Long-Term Debt % of Revenue i18.9%53.7%
Total Shareholders Equity i1.25B1.89B
Retained Earnings i809.89M689.21M
Retained Earnings % of Revenue i149.6%105.7%
Property, Plant & Equipment i194.51MN/A

Cash Flow Statement Comparison

MetricLOB (2025)NWBI (2025)
Operating Cash Flow i140.84M101.16M
Operating Cash Flow % of Revenue i26.0%15.5%
Capital Expenditures i-10.40M-11.63M
Free Cash Flow i143.49M141.79M
FCF Margin i26.5%21.8%
Debt Repayment i-10.58M-35.38M
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricLOBNWBI
Shares Short i2.15M6.32M
Short Ratio i7.073.72
Short % of Float i7.31%5.64%
Shares Outstanding i46.03M146.11M
Float Shares i35.75M144.46M
% Held by Insiders i23.03%0.85%
% Held by Institutions i71.84%69.28%
% Held by Public i5.13%29.87%

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

MetricLOBNWBI
Last 12-Month Dividend i$0.12$0.80
Last 12-Month Dividend Yield i0.36%6.05%
3-Year Avg Annual Dividend i$0.12$0.80
3-Year Avg Dividend Yield i0.09%1.65%
3-Year Total Dividends i$0.36$2.40
Ex-Dividend DateMar 05, 2026Feb 05, 2026