Live Oak Bancshares (LOB) vs Triumph Financial (TFIN)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Triumph Financial (TFIN) has outperformed Live Oak Bancshares (LOB) over the past year, gaining 29.3% versus a loss of 3.5%. Over five years, TFIN leads with a -41.6% price change compared with -51.1% for LOB. Live Oak Bancshares is the larger company by market cap ($1.60 billion vs $1.50 billion), about 1.1 times the size.
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.2x vs 19.2x for Triumph Financial). Live Oak Bancshares pays a dividend yielding 0.35%, while Triumph Financial does not currently pay one. Triumph Financial converts more of its revenue into profit, with a net margin of 1195.1% versus 1114.4%.
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 | TFIN |
|---|---|---|
| Share price | $34.57 | $62.78 |
| Market cap | $1.60B | $1.50B |
| 1-day change | +0.90% | +1.41% |
| YTD return | +0.64% | +0.24% |
| 1-year return | -3.52% | +29.26% |
| 5-year return | -51.07% | -41.60% |
| P/E ratio (TTM) | 12.13 | 42.42 |
| Forward P/E | 8.19 | 19.15 |
| EPS (TTM) | $2.85 | $1.48 |
| Dividend yield | 0.35% | 0.00% |
| Annual dividend | $0.12 | $0.00 |
| Revenue (latest FY) | $9.50M | $2.12M |
| Revenue growth (YoY) | +1.06% | -46.68% |
| Net income (latest FY) | $105.87M | $25.36M |
| Net margin | 1114.43% | 1195.05% |
| 52-week high | $44.53 | $83.52 |
| 52-week low | $29.36 | $46.43 |
| Distance from 52-week high | -22.37% | -24.83% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +23.66% | +23.61% |
| Average volume | 220.47K | 232.92K |
| Shares outstanding | 46.28M | 23.89M |
| Employees | 1,027 | 1,441 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | 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
- TFIN has outperformed LOB by 32.8 percentage points over the past year.
- Triumph Financial trades at a higher earnings multiple (42.4x vs 12.1x trailing P/E).
- Triumph Financial is more profitable, keeping 1195.1 cents of every revenue dollar as net income versus 1114.4 cents for Live Oak Bancshares.
- Live Oak Bancshares grew revenue faster in its latest fiscal year (+1.06% vs -46.68%).
- The two companies sit in different sectors: Live Oak Bancshares in Financial Services and Triumph Financial in Finance.
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.
Financial Services · Banks - Regional · 1,027 employees
About Triumph Financial
TFIN stock →Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans.
Finance · Major Banks · 1,441 employees
LOB vs TFIN FAQ
Which is bigger, Live Oak Bancshares or Triumph Financial?
Live Oak Bancshares (LOB) is larger, with a market capitalization of $1.60B compared with $1.50B for Triumph Financial (TFIN).
Which stock has performed better over the past year, LOB or TFIN?
TFIN returned +29.26% 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 TFIN?
LOB has the lower trailing P/E at 12.1, versus 42.4 for TFIN. 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 Triumph Financial?
Live Oak Bancshares pays a dividend yielding 0.35%, while Triumph Financial does not currently pay a regular dividend.
Are Live Oak Bancshares and Triumph Financial in the same industry?
No. Live Oak Bancshares is in the Financial Services sector, while Triumph Financial is in Finance.