Coastal Financial vs Live Oak Bancshares
Coastal Financial and Live Oak Bancshares are similar in size: $542m and $578m of revenue in their latest fiscal years. Live Oak Bancshares grew faster (18.3% against -6.8%). Live Oak Bancshares kept more of each dollar of sales as profit: a net margin of 18.3% against 8.7%.
| Latest fiscal year | Coastal FinancialCCB, 2025 | Live Oak BancsharesLOB, 2025 |
|---|---|---|
| Revenue | $542m | $578m |
| Revenue growth | -6.8% | 18.3% |
| Net income | $47.0m | $106m |
| Operating margin | — | — |
| Net margin | 8.7% | 18.3% |
| Return on equity | 10.1% | 9.4% |
| Free cash flow | $246m | $143m |
| Cash | $737m | $865m |
| Total debt | $0 | $102m |
| Debt to equity | — | — |
| Dividend per share | — | $0.12 |
| Dividend yield | — | 0.3% |
| Share buybacks | — | — |
| Employees | 483 | — |
| Market value | $656m | $1.61bn |
| Price vs our value range | — | — |
| Moat score | 40 (Weak) | 38 (Weak) |
| Insider trades, 12 months | 4 buys, 24 sales | 0 buys, 0 sales |