Live Oak Bancshares (LOB) vs National Bank (NBHC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
National Bank (NBHC) has outperformed Live Oak Bancshares (LOB) over the past year, losing 0.7% versus a loss of 3.5%. Over five years, NBHC leads with a -7.8% price change compared with -51.1% for LOB. National Bank is the larger company by market cap ($1.68 billion vs $1.59 billion), about 1.1 times the size.
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.2x vs 9.6x for National Bank). National Bank offers the higher dividend yield (3.35% vs 0.35%). Live Oak Bancshares converts more of its revenue into profit, with a net margin of 1114.4% versus 232.6%.
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 | LOB | NBHC |
|---|---|---|
| Share price | $34.46 | $37.94 |
| Market cap | $1.59B | $1.68B |
| 1-day change | -0.32% | -0.63% |
| YTD return | +0.64% | +0.45% |
| 1-year return | -3.52% | -0.70% |
| 5-year return | -51.07% | -7.76% |
| P/E ratio (TTM) | 12.09 | 15.94 |
| Forward P/E | 8.17 | 9.61 |
| EPS (TTM) | $2.85 | $2.38 |
| Dividend yield | 0.35% | 3.35% |
| Annual dividend | $0.12 | $1.27 |
| Revenue (latest FY) | $9.50M | $47.10M |
| Revenue growth (YoY) | +1.06% | +2.86% |
| Net income (latest FY) | $105.87M | $109.57M |
| Net margin | 1114.43% | 232.64% |
| 52-week high | $44.53 | $47.28 |
| 52-week low | $29.36 | $35.06 |
| Distance from 52-week high | -22.61% | -19.75% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +24.06% | +18.61% |
| Average volume | 220.47K | 441.49K |
| Shares outstanding | 46.28M | 44.29M |
| Employees | 1,027 | 1,250 |
| 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
- National Bank trades at a higher earnings multiple (15.9x vs 12.1x trailing P/E).
- National Bank offers a meaningfully higher dividend yield (3.35% vs 0.35%).
- Live Oak Bancshares is more profitable, keeping 1114.4 cents of every revenue dollar as net income versus 232.6 cents for National Bank.
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
About National Bank
NBHC stock →National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits.
Finance · Major Banks · 1,250 employees
LOB vs NBHC FAQ
Which is bigger, Live Oak Bancshares or National Bank?
National Bank (NBHC) is larger, with a market capitalization of $1.68B compared with $1.59B for Live Oak Bancshares (LOB).
Which stock has performed better over the past year, LOB or NBHC?
NBHC returned -0.70% 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, LOB or NBHC?
LOB has the lower trailing P/E at 12.1, versus 15.9 for NBHC. 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, Live Oak Bancshares or National Bank?
National Bank has the higher yield at 3.35%, compared with 0.35% for Live Oak Bancshares.
Are Live Oak Bancshares and National Bank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.