LOB vs CASH

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

Both LOB and CASH are from the Financial Services sector.

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

LOB vs CASH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

LOB

$1.76B

CASH

$1.76B

Max Drawdown

Winner

LOB

79.50%

CASH

84.31%

Sharpe Ratio

Winner

LOB

0.87

CASH

0.26

5Y Beta

LOB

1.23

Winner

CASH

0.84

Industry

LOB

Banks - Regional

CASH

Banks - Regional

P/E Ratio

LOB

19.52

Winner

CASH

8.20

Forward P/E

LOB

12.06

Winner

CASH

11.24

PEG Ratio

Winner

LOB

0.00

CASH

0.16

Dividend Yield

Winner

LOB

0.31%

CASH

0.25%

5Y Dividends CAGR

LOB

4.56%

CASH

4.56%

5Y EPS CAGR

LOB

7.44%

Winner

CASH

35.33%

Debt to Equity

Winner

LOB

0.00%

CASH

6.99%

Free Cash Flow Yield

LOB

7.16%

Winner

CASH

31.04%

P/S Ratio

LOB

3.53

Winner

CASH

2.21

P/B Ratio

Winner

LOB

1.51

CASH

2.01

LOB vs CASH - Historical Returns

Returns include dividend reinvestment.

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

Winner

LOB

+6.71%

CASH

+1.97%

Winner

LOB

+20.13%

CASH

-6.22%

LOB

+10.73%

Winner

CASH

+13.22%

Winner

LOB

+36.33%

CASH

+11.20%

5Y(CAGR)

LOB

-7.19%

Winner

CASH

+10.60%

10Y(CAGR)

LOB

+10.28%

Winner

CASH

+17.88%

Max(CAGR)

LOB

+7.25%

Winner

CASH

+13.71%

LOB vs CASH - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

LOB vs CASH Drawdown Comparison

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

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

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

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

Correlation

Correlation between LOB and CASH 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)

LOB vs CASH dividend yield comparison.

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