Bank First (BFC) vs Live Oak Bancshares (LOB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Bank First (BFC) has outperformed Live Oak Bancshares (LOB) over the past year, gaining 12.0% versus a loss of 2.9%. Over five years, BFC leads with a +109.9% price change compared with -51.5% for LOB. Bank First is the larger company by market cap ($1.64 billion vs $1.59 billion), about 1.0 times the size.
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.1x vs 12.4x for Bank First). Bank First offers the higher dividend yield (1.32% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BFC | LOB |
|---|---|---|
| Share price | $147.53 | $34.26 |
| Market cap | $1.64B | $1.59B |
| 1-day change | -1.86% | -6.11% |
| YTD return | +21.10% | -0.26% |
| 1-year return | +11.96% | -2.86% |
| 5-year return | +109.95% | -51.51% |
| P/E ratio (TTM) | 19.54 | 12.78 |
| Forward P/E | 12.37 | 8.11 |
| EPS (TTM) | $7.55 | $2.68 |
| Dividend yield | 1.32% | 0.35% |
| Annual dividend | $1.95 | $0.12 |
| 52-week high | $159.10 | $44.53 |
| 52-week low | $119.08 | $29.36 |
| Distance from 52-week high | -7.27% | -23.06% |
| Analyst consensus | none | buy |
| Avg. price target upside | +10.49% | +26.97% |
| Average volume | 78.79K | 214.88K |
| Shares outstanding | 11.09M | 46.28M |
| Employees | 554 | 1,027 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BFC has outperformed LOB by 14.8 percentage points over the past year.
- Bank First trades at a higher earnings multiple (19.5x vs 12.8x trailing P/E).
About Bank First
BFC stock →Bank First Corporation operates as a holding company for Bank First, N.A. that provides consumer and commercial financial services to businesses, professionals, and consumers, in Wisconsin.
Finance · Major Banks · 554 employees
About Live Oak Bancshares
LOB stock →Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States.
Finance · Major Banks · 1,027 employees
BFC vs LOB FAQ
Which is bigger, Bank First or Live Oak Bancshares?
Bank First (BFC) is larger, with a market capitalization of $1.64B compared with $1.59B for Live Oak Bancshares (LOB).
Which stock has performed better over the past year, BFC or LOB?
BFC returned +11.96% over the past 12 months, compared with -2.86% for LOB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BFC or LOB?
LOB has the lower trailing P/E at 12.8, versus 19.5 for BFC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Bank First or Live Oak Bancshares?
Bank First has the higher yield at 1.32%, compared with 0.35% for Live Oak Bancshares.
Are Bank First and Live Oak Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.