Pathward Financial (CASH) vs Live Oak Bancshares (LOB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Pathward Financial (CASH) has outperformed Live Oak Bancshares (LOB) over the past year, losing 3.1% versus a loss of 3.5%. Over five years, CASH leads with a +18.7% price change compared with -51.1% for LOB. Live Oak Bancshares is the larger company by market cap ($1.59 billion vs $1.49 billion), about 1.1 times the size, while Pathward Financial is growing revenue faster (+5.3% vs +1.1%).
On valuation, Pathward Financial trades at a lower forward P/E (7.4x vs 8.2x for Live Oak Bancshares). Live Oak Bancshares offers the higher dividend yield (0.35% vs 0.28%). Live Oak Bancshares converts more of its revenue into profit, with a net margin of 1114.4% versus 22.1%.
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 | CASH | LOB |
|---|---|---|
| Share price | $71.61 | $34.44 |
| Market cap | $1.49B | $1.59B |
| 1-day change | -0.67% | -0.39% |
| YTD return | +1.54% | +0.64% |
| 1-year return | -3.14% | -3.52% |
| 5-year return | +18.67% | -51.07% |
| P/E ratio (TTM) | 8.96 | 12.08 |
| Forward P/E | 7.43 | 8.16 |
| EPS (TTM) | $7.99 | $2.85 |
| Dividend yield | 0.28% | 0.35% |
| Annual dividend | $0.20 | $0.12 |
| Revenue (latest FY) | $839.89M | $9.50M |
| Revenue growth (YoY) | +5.33% | +1.06% |
| Net income (latest FY) | $185.87M | $105.87M |
| Net margin | 22.13% | 1114.43% |
| 52-week high | $101.26 | $44.53 |
| 52-week low | $65.87 | $29.36 |
| Distance from 52-week high | -29.28% | -22.67% |
| Analyst consensus | none | buy |
| Avg. price target upside | +41.04% | +24.15% |
| Average volume | 220.94K | 220.47K |
| Shares outstanding | 20.77M | 46.28M |
| Employees | 1,196 | 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
- Live Oak Bancshares trades at a higher earnings multiple (12.1x vs 9.0x trailing P/E).
- Live Oak Bancshares is more profitable, keeping 1114.4 cents of every revenue dollar as net income versus 22.1 cents for Pathward Financial.
About Pathward Financial
CASH stock →Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States.
Finance · Major Banks · 1,196 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
CASH vs LOB FAQ
Which is bigger, Pathward Financial or Live Oak Bancshares?
Live Oak Bancshares (LOB) is larger, with a market capitalization of $1.59B compared with $1.49B for Pathward Financial (CASH).
Which stock has performed better over the past year, CASH or LOB?
CASH returned -3.14% over the past 12 months, compared with -3.52% for LOB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CASH or LOB?
CASH has the lower trailing P/E at 9.0, versus 12.1 for LOB. 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, Pathward Financial or Live Oak Bancshares?
Live Oak Bancshares has the higher yield at 0.35%, compared with 0.28% for Pathward Financial.
Are Pathward Financial and Live Oak Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.