Live Oak Bancshares [LOB] vs Veritex Holdings [VBTX] Detailed Stock Comparison

Live Oak Bancshares

NYSE
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Veritex Holdings

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

MetricLive Oak BancsharesVeritex HoldingsBetter
P/E Ratio (TTM)28.6915.95Veritex Holdings
Price-to-Book Ratio1.491.10Veritex Holdings
Debt-to-Equity Ratio0.100.21Live Oak Bancshares
PEG Ratio-1.911.14Live Oak Bancshares
Profit Margin (TTM)13.81%27.29%Veritex Holdings
Operating Margin (TTM)28.90%39.27%Veritex Holdings
EBITDA Margin (TTM)28.90%39.27%Veritex Holdings
Return on Equity5.51%7.25%Veritex Holdings
Return on Assets (TTM)0.44%0.92%Veritex Holdings
Free Cash Flow (TTM)$487.16M$123.83MLive Oak Bancshares
Dividend Yield0.32%3.10%Veritex Holdings
1-Year Return-25.10%25.40%Veritex Holdings
Price-to-Sales Ratio (TTM)3.914.32Live Oak Bancshares
Enterprise Value$1.04B$1.41BVeritex Holdings
EV/Revenue Ratio2.553.32Live Oak Bancshares
Revenue per Share (TTM)$9$8Live Oak Bancshares
Earnings per Share (Diluted)$1.21$2.10Veritex Holdings
Beta (Stock Volatility)1.821.05Veritex Holdings
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Live Oak Bancshares vs Veritex Holdings Stock Performance Analysis

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Live Oak Bancshares
Veritex Holdings
Live Oak Bancshares Stock Overview | Veritex Holdings Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Live Oak Bancshares1.96%-1.23%-6.77%12.14%50.08%-8.17%
Veritex Holdings-2.75%-3.21%-5.26%19.69%53.39%23.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Live Oak Bancshares-25.10%6.76%9.60%95.74%83.75%83.75%
Veritex Holdings25.40%16.36%60.89%98.66%118.80%118.80%

News Based Sentiment: Live Oak Bancshares vs Veritex Holdings

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

Veritex Holdings

News based Sentiment: POSITIVE

The month of October was dominated by the successful completion of regulatory and shareholder approvals for the merger with Huntington Bancshares. This is a transformative event for Veritex, and while the stock is currently fairly valued, the potential benefits of the merger warrant a positive outlook for investors.

View Veritex Holdings News Sentiment Analysis

Performance & Financial Health Analysis: Live Oak Bancshares vs Veritex Holdings

MetricLOBVBTX
Market Information
Market Cap i$1.62B$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i236,9501,120,200
90 Day Avg. Volume i297,7731,042,110
Last Close$35.39$32.58
52 Week Range$22.68 - $50.30$20.37 - $34.96
% from 52W High-29.64%-6.81%
All-Time High$99.89 (Nov 01, 2021)$45.36 (Nov 08, 2021)
% from All-Time High-64.57%-28.17%
Growth Metrics
Quarterly Revenue Growth0.06%0.08%
Quarterly Earnings Growth-0.13%0.14%
Financial Health
Profit Margin (TTM) i0.14%0.27%
Operating Margin (TTM) i0.29%0.39%
Return on Equity (TTM) i0.06%0.07%
Debt to Equity (MRQ) i0.100.21
Cash & Liquidity
Book Value per Share (MRQ)$23.27$30.39
Cash per Share (MRQ)$14.50$14.20
Operating Cash Flow (TTM) i$674.84M$121.79M
Levered Free Cash Flow (TTM) i$77.47M$107.24M
Dividends
Last 12-Month Dividend Yield i0.32%3.10%
Last 12-Month Dividend i$0.09$1.06

Valuation & Enterprise Metrics Analysis: Live Oak Bancshares vs Veritex Holdings

MetricLOBVBTX
Price Ratios
P/E Ratio (TTM) i28.6915.95
Forward P/E i12.1415.09
PEG Ratio i-1.911.14
Price to Sales (TTM) i3.914.32
Price to Book (MRQ) i1.491.10
Market Capitalization
Market Capitalization i$1.62B$1.87B
Enterprise Value i$1.04B$1.41B
Enterprise Value Metrics
Enterprise to Revenue i2.553.32
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.821.05
Book Value per Share (MRQ) i$23.27$30.39

Financial Statements Comparison: Live Oak Bancshares vs Veritex Holdings

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)LOBVBTX
Revenue/Sales i$123.77M$109.73M
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$37.60M
Income Tax i$3.46M$8.53M
Net Income (Profit) i$9.67M$29.07M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)LOBVBTX
Cash & Equivalents i$744.51M$849.79M
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$110.25M$155.91M
Total Shareholders Equity i$1.03B$1.63B
Retained Earnings i$724.22M$526.04M
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)LOBVBTX
Operating Cash Flow i$91.29M$46.07M
Capital Expenditures i$-2.07M$-522,000
Free Cash Flow i$102.68M$43.06M
Debt Repayment i$-2.62M$-75.00M
Common Stock Repurchase iN/A$-9.52M

Short Interest & Institutional Ownership Analysis

MetricLOBVBTX
Shares Short i1.71M1.72M
Short Ratio i5.812.06
Short % of Float i0.06%0.03%
Average Daily Volume (10 Day) i236,9501,120,200
Average Daily Volume (90 Day) i297,7731,042,110
Shares Outstanding i45.36M54.52M
Float Shares i34.90M52.44M
% Held by Insiders i0.23%0.04%
% Held by Institutions i0.68%0.90%

Dividend Analysis & Yield Comparison: Live Oak Bancshares vs Veritex Holdings

MetricLOBVBTX
Last 12-Month Dividend i$0.09$1.06
Last 12-Month Dividend Yield i0.32%3.10%
3-Year Avg Annual Dividend i$0.10$0.89
3-Year Avg Dividend Yield i0.08%0.86%
3-Year Total Dividends i$0.30$2.66
Ex-Dividend DateFeb 25, 2025Sep 16, 2025