Live Oak Bancshares vs Bank Of N.t. Butterfield & Son
Live Oak Bancshares and Bank Of N.t. Butterfield & Son are similar in size: $578m and $607m of revenue in their latest fiscal years. Live Oak Bancshares grew faster (18.3% against 4.6%). Bank Of N.t. Butterfield & Son kept more of each dollar of sales as profit: a net margin of 38.2% against 18.3%.
| Latest fiscal year | Live Oak BancsharesLOB, 2025 | Bank Of N.t. Butterfield & SonNTB, 2025 |
|---|---|---|
| Revenue | $578m | $607m |
| Revenue growth | 18.3% | 4.6% |
| Net income | $106m | $232m |
| Operating margin | — | — |
| Net margin | 18.3% | 38.2% |
| Return on equity | 9.4% | 21.4% |
| Free cash flow | $143m | $280m |
| Cash | $865m | $1.71bn |
| Total debt | $102m | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.12 | — |
| Dividend yield | 0.3% | 3.5% |
| Share buybacks | — | $147m |
| Employees | — | — |
| Market value | $1.63bn | $2.25bn |
| Price vs our value range | — | — |
| Moat score | 38 (Weak) | — |
| Insider trades, 12 months | 0 buys, 0 sales | 1 buys, 15 sales |