LOB vs CDZIP

Comparison between Live Oak Bancshares Inc (LOB, Company) and Cadiz Inc (CDZIP, Company).

LOB is from the Financial Services sector, while CDZIP is from the Utilities sector.

5-Year PerformanceCDZIP has outperformed LOB, delivering a return of +11.3% compared to -6.6%

LOB vs CDZIP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LOB(COMPANY)	CDZIP(COMPANY)
Market Cap	$1.89B	$1.89B
Max Drawdown	79.50%	60.52%
Sharpe Ratio	0.87	2.04
5Y Beta	1.21	0.16
Industry	Banks - Regional	Utilities - Regulated Water
P/E Ratio	20.96	-56.19
Forward P/E	10.19	N/A
PEG Ratio	0.00	N/A
Dividend Yield	0.29%	N/A
5Y Dividends CAGR	4.56%	N/A
5Y EPS CAGR	7.44%	-8.84%
Debt to Equity	0.00%	548.48%
Free Cash Flow Yield	6.66%	-1.45%
P/S Ratio	3.76	N/A
P/B Ratio	1.63	N/A

Market Cap

Winner

LOB

$1.89B

CDZIP

$1.89B

Max Drawdown

LOB

79.50%

Winner

CDZIP

60.52%

Sharpe Ratio

LOB

0.87

Winner

CDZIP

2.04

5Y Beta

LOB

1.21

Winner

CDZIP

0.16

Industry

LOB

Banks - Regional

CDZIP

Utilities - Regulated Water

P/E Ratio

LOB

20.96

Winner

CDZIP

-56.19

Forward P/E

LOB

10.19

CDZIP

N/A

PEG Ratio

LOB

0.00

CDZIP

N/A

Dividend Yield

LOB

0.29%

CDZIP

N/A

5Y Dividends CAGR

LOB

4.56%

CDZIP

N/A

5Y EPS CAGR

Winner

LOB

7.44%

CDZIP

-8.84%

Debt to Equity

Winner

LOB

0.00%

CDZIP

548.48%

Free Cash Flow Yield

Winner

LOB

6.66%

CDZIP

-1.45%

P/S Ratio

LOB

3.76

CDZIP

N/A

P/B Ratio

LOB

1.63

CDZIP

N/A

LOB vs CDZIP - Historical Returns

Returns include dividend reinvestment.

Period	LOB	CDZIP
1 month	+5.54%	-0.61%
3 months	+12.39%	+17.04%
6 months	+7.08%	+20.45%
1 year	+30.55%	+43.75%
5 years(CAGR)	-6.64%	+11.30%
10 years(CAGR)	+12.07%	N/A
Max(CAGR)	+7.91%	+11.32%

Winner

LOB

+5.54%

CDZIP

-0.61%

LOB

+12.39%

Winner

CDZIP

+17.04%

LOB

+7.08%

Winner

CDZIP

+20.45%

LOB

+30.55%

Winner

CDZIP

+43.75%

5Y(CAGR)

LOB

-6.64%

Winner

CDZIP

+11.30%

10Y(CAGR)

LOB

+12.07%

CDZIP

N/A

Max(CAGR)

LOB

+7.91%

Winner

CDZIP

+11.32%

LOB vs CDZIP - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	LOB	CDZIP
2026	+21.46%	+23.93%
2025	-10.54%	+23.64%
2024	-11.57%	+25.41%
2023	+50.50%	+25.64%
2022	-65.26%	-0.63%
2021	+93.86%	-30.73%
2020	+151.82%	N/A
2019	+26.02%	N/A
2018	-37.60%	N/A
2017	+31.98%	N/A
2016	+38.70%	N/A
2015	-25.45%	N/A

LOB vs CDZIP 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 CDZIP was -54.52%, occurring on Dec 21, 2022. Recovery took 781 trading sessions.

The current LOB drawdown is -56.28%. The current CDZIP drawdown is -4.30%.

Rank	LOB	CDZIP
#1	-79.41% Nov 4, 2021 - May 11, 2023	-54.52% Oct 18, 2021 - Nov 25, 2024
#2	-74.82% Jul 23, 2018 - Oct 15, 2020	-12.79% Apr 3, 2025 - Aug 22, 2025
#3	-41.14% Aug 5, 2015 - Feb 3, 2017	-6.65% Jun 11, 2026 - Jul 16, 2026
#4	-23.50% Apr 16, 2021 - Oct 20, 2021	-4.36% Feb 7, 2025 - Mar 20, 2025
#5	-21.78% Jan 12, 2021 - Feb 23, 2021	-3.82% Sep 18, 2025 - Oct 10, 2025
#6	-18.53% Aug 1, 2017 - Nov 29, 2017	-3.80% Jan 7, 2026 - Mar 26, 2026
#7	-14.29% Feb 24, 2017 - Apr 27, 2017	-3.68% May 8, 2026 - May 26, 2026
#8	-10.72% Nov 24, 2020 - Dec 15, 2020	-3.34% Mar 20, 2025 - Apr 1, 2025
#9	-10.19% Nov 29, 2017 - Jan 25, 2018	-3.32% Sep 4, 2025 - Sep 17, 2025
#10	-10.07% Dec 21, 2020 - Jan 12, 2021	-2.12% Jan 17, 2025 - Jan 29, 2025
#11	-9.10% Mar 1, 2021 - Mar 10, 2021	-1.98% Apr 1, 2026 - May 4, 2026
#12	-7.77% Mar 21, 2018 - May 22, 2018	-1.78% Oct 15, 2025 - Jan 5, 2026
#13	-6.84% Mar 22, 2021 - Mar 25, 2021	-1.62% Nov 26, 2024 - Dec 6, 2024
#14	-6.76% Feb 24, 2021 - Mar 1, 2021	-1.46% Dec 10, 2024 - Dec 30, 2024
#15	-6.27% Jun 16, 2017 - Aug 1, 2017	-1.44% Jan 10, 2025 - Jan 16, 2025

Correlation

Correlation between LOB and CDZIP is -0.14 which considered as a very weak or no correlation - the stocks move independently of each other.

-0.14

-101

Dividend Comparison (2015 - 2026)

LOB vs CDZIP dividend yield comparison.

Year	LOB	CDZIP
2026	0.14%	7.41%
2025	0.35%	11.33%
2024	0.30%	12.47%
2023	0.26%	13.88%
2022	0.40%	15.25%
2021	0.14%	3.76%
2020	0.25%	0.00%
2019	0.63%	0.00%
2018	0.81%	0.00%
2017	0.42%	0.00%
2016	0.38%	0.00%
2015	0.14%	0.00%