CASH vs LOB

Comparison between Pathward Financial Inc (CASH, Company) and Live Oak Bancshares Inc (LOB, Company).

Both CASH and LOB are from the Financial Services sector.

5-Year PerformanceCASH has outperformed LOB, delivering a return of +10.6% compared to -7.2%

CASH vs LOB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CASH(COMPANY)	LOB(COMPANY)
Market Cap	$1.76B	$1.76B
Max Drawdown	84.31%	79.50%
Sharpe Ratio	0.26	0.87
5Y Beta	0.84	1.23
Industry	Banks - Regional	Banks - Regional
P/E Ratio	8.20	19.52
Forward P/E	11.24	12.06
PEG Ratio	0.16	0.00
Dividend Yield	0.25%	0.31%
5Y Dividends CAGR	4.56%	4.56%
5Y EPS CAGR	35.33%	7.44%
Debt to Equity	6.99%	0.00%
Free Cash Flow Yield	31.04%	7.16%
P/S Ratio	2.21	3.53
P/B Ratio	2.01	1.51

Market Cap

CASH

$1.76B

Winner

LOB

$1.76B

Max Drawdown

CASH

84.31%

Winner

LOB

79.50%

Sharpe Ratio

CASH

0.26

Winner

LOB

0.87

5Y Beta

Winner

CASH

0.84

LOB

1.23

Industry

CASH

Banks - Regional

LOB

Banks - Regional

P/E Ratio

Winner

CASH

8.20

LOB

19.52

Forward P/E

Winner

CASH

11.24

LOB

12.06

PEG Ratio

CASH

0.16

Winner

LOB

0.00

Dividend Yield

CASH

0.25%

Winner

LOB

0.31%

5Y Dividends CAGR

CASH

4.56%

LOB

4.56%

5Y EPS CAGR

Winner

CASH

35.33%

LOB

7.44%

Debt to Equity

CASH

6.99%

Winner

LOB

0.00%

Free Cash Flow Yield

Winner

CASH

31.04%

LOB

7.16%

P/S Ratio

Winner

CASH

2.21

LOB

3.53

P/B Ratio

CASH

2.01

Winner

LOB

1.51

CASH vs LOB - Historical Returns

Returns include dividend reinvestment.

Period	CASH	LOB
1 month	+1.97%	+6.71%
3 months	-6.22%	+20.13%
6 months	+13.22%	+10.73%
1 year	+11.20%	+36.33%
5 years(CAGR)	+10.60%	-7.19%
10 years(CAGR)	+17.88%	+10.28%
Max(CAGR)	+13.71%	+7.25%

CASH

+1.97%

Winner

LOB

+6.71%

CASH

-6.22%

Winner

LOB

+20.13%

Winner

CASH

+13.22%

LOB

+10.73%

CASH

+11.20%

Winner

LOB

+36.33%

5Y(CAGR)

Winner

CASH

+10.60%

LOB

-7.19%

10Y(CAGR)

Winner

CASH

+17.88%

LOB

+10.28%

Max(CAGR)

Winner

CASH

+13.71%

LOB

+7.25%

CASH vs LOB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CASH	LOB
2026	+17.25%	+12.64%
2025	-1.82%	-10.54%
2024	+40.51%	-11.57%
2023	+21.58%	+50.50%
2022	-27.96%	-65.26%
2021	+64.49%	+93.86%
2020	+1.94%	+151.82%
2019	+86.70%	+26.02%
2018	-36.71%	-37.60%
2017	-9.56%	+31.98%
2016	+132.63%	+38.70%
2015	+31.40%	-25.45%
2014	-10.20%	N/A
2013	+78.86%	N/A
2012	+47.70%	N/A
2011	+21.97%	N/A
2010	-32.50%	N/A
2009	+154.99%	N/A
2008	-77.17%	N/A
2007	+39.61%	N/A
2006	+54.99%	N/A
2005	-9.34%	N/A
2004	+9.88%	N/A
2003	+39.56%	N/A
2002	+22.58%	N/A
2001	+26.71%	N/A
2000	-3.36%	N/A
1999	-15.76%	N/A

CASH vs LOB Drawdown Comparison

The maximum drawdown for CASH was -83.74%, occurring on Mar 10, 2009. Recovery took 1436 trading sessions.

The maximum drawdown for LOB was -79.41%, occurring on May 11, 2023. This drawdown has not yet recovered.

The current CASH drawdown is -15.72%. The current LOB drawdown is -59.46%.

Rank	CASH	LOB
#1	-83.74% Dec 24, 2007 - Sep 9, 2013	-79.41% Nov 4, 2021 - May 11, 2023
#2	-64.89% Feb 13, 2020 - Jan 6, 2021	-74.82% Jul 23, 2018 - Oct 15, 2020
#3	-52.81% Jan 31, 2018 - Feb 5, 2020	-41.14% Aug 5, 2015 - Feb 3, 2017
#4	-50.85% Nov 15, 2021 - Jul 23, 2024	-23.50% Apr 16, 2021 - Oct 20, 2021
#5	-39.26% Jan 11, 2017 - Jan 31, 2018	-21.78% Jan 12, 2021 - Feb 23, 2021
#6	-32.55% Nov 17, 1999 - Feb 8, 2001	-18.53% Aug 1, 2017 - Nov 29, 2017
#7	-30.45% Nov 24, 2004 - Mar 16, 2006	-14.29% Feb 24, 2017 - Apr 27, 2017
#8	-29.30% Mar 21, 2014 - Jul 13, 2015	-10.72% Nov 24, 2020 - Dec 15, 2020
#9	-28.98% Jul 22, 2015 - Jun 6, 2016	-10.19% Nov 29, 2017 - Jan 25, 2018
#10	-22.21% Apr 20, 2026 - Jun 3, 2026	-10.07% Dec 21, 2020 - Jan 12, 2021
#11	-21.46% Dec 4, 2024 - Jan 23, 2026	-9.10% Mar 1, 2021 - Mar 10, 2021
#12	-18.68% Mar 16, 2006 - Oct 23, 2006	-7.77% Mar 21, 2018 - May 22, 2018
#13	-16.42% Jun 14, 2004 - Oct 27, 2004	-6.84% Mar 22, 2021 - Mar 25, 2021
#14	-15.99% Jul 22, 2002 - Nov 15, 2002	-6.76% Feb 24, 2021 - Mar 1, 2021
#15	-12.74% Jun 8, 2021 - Oct 1, 2021	-6.27% Jun 16, 2017 - Aug 1, 2017

Correlation

Correlation between CASH and LOB is 0.56 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.56

-101

Dividend Comparison (1999 - 2026)

CASH vs LOB dividend yield comparison.

Year	CASH	LOB
2026	0.12%	0.15%
2025	0.28%	0.35%
2024	0.27%	0.30%
2023	0.38%	0.26%
2022	0.46%	0.40%
2021	0.34%	0.14%
2020	0.55%	0.25%
2019	0.55%	0.63%
2018	0.96%	0.81%
2017	0.56%	0.42%
2016	0.50%	0.38%
2015	1.13%	0.14%
2014	1.48%	0.00%
2013	1.29%	0.00%
2012	2.28%	0.00%
2011	3.12%	0.00%
2010	3.77%	0.00%
2009	2.49%	0.00%
2008	5.77%	0.00%
2007	1.26%	0.00%
2006	1.74%	0.00%
2005	2.57%	0.00%
2004	2.24%	0.00%
2003	2.41%	0.00%
2002	3.27%	0.00%
2001	2.88%	0.00%
2000	4.72%	0.00%
1999	1.15%	0.00%