LOB vs PNFPP

Comparison between Live Oak Bancshares Inc (LOB, Company) and Pinnacle Financial Partners Inc (PNFPP, Company).

Both LOB and PNFPP are from the Financial Services sector.

5-Year PerformancePNFPP has outperformed LOB, delivering a return of +4.9% compared to -6.1%

LOB vs PNFPP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LOB(COMPANY)	PNFPP(COMPANY)
Market Cap	$1.95B	$1.94B
Max Drawdown	79.50%	31.75%
Sharpe Ratio	0.86	0.50
5Y Beta	1.21	N/A
Industry	Banks - Regional	Banks - Regional
P/E Ratio	21.55	3.11
Forward P/E	12.06	N/A
PEG Ratio	0.00	0.06
Dividend Yield	0.28%	N/A
5Y Dividends CAGR	4.56%	20.12%
5Y EPS CAGR	7.44%	15.52%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.48%	54.21%
P/S Ratio	3.75	N/A
P/B Ratio	1.63	N/A

Market Cap

Winner

LOB

$1.95B

PNFPP

$1.94B

Max Drawdown

LOB

79.50%

Winner

PNFPP

31.75%

Sharpe Ratio

Winner

LOB

0.86

PNFPP

0.50

5Y Beta

LOB

1.21

PNFPP

N/A

Industry

LOB

Banks - Regional

PNFPP

Banks - Regional

P/E Ratio

LOB

21.55

Winner

PNFPP

3.11

Forward P/E

LOB

12.06

PNFPP

N/A

PEG Ratio

Winner

LOB

0.00

PNFPP

0.06

Dividend Yield

LOB

0.28%

PNFPP

N/A

5Y Dividends CAGR

LOB

4.56%

Winner

PNFPP

20.12%

5Y EPS CAGR

LOB

7.44%

Winner

PNFPP

15.52%

Debt to Equity

LOB

0.00%

PNFPP

0.00%

Free Cash Flow Yield

LOB

6.48%

Winner

PNFPP

54.21%

P/S Ratio

LOB

3.75

PNFPP

N/A

P/B Ratio

LOB

1.63

PNFPP

N/A

LOB vs PNFPP - Historical Returns

Returns include dividend reinvestment.

Period	LOB	PNFPP
1 month	+7.83%	-1.03%
3 months	+14.40%	+0.97%
6 months	+6.87%	+7.46%
1 year	+31.04%	+10.53%
5 years(CAGR)	-6.12%	+4.86%
10 years(CAGR)	+11.91%	N/A
Max(CAGR)	+7.80%	+6.29%

Winner

LOB

+7.83%

PNFPP

-1.03%

Winner

LOB

+14.40%

PNFPP

+0.97%

LOB

+6.87%

Winner

PNFPP

+7.46%

Winner

LOB

+31.04%

PNFPP

+10.53%

5Y(CAGR)

LOB

-6.12%

Winner

PNFPP

+4.86%

10Y(CAGR)

LOB

+11.91%

PNFPP

N/A

Max(CAGR)

Winner

LOB

+7.80%

PNFPP

+6.29%

LOB vs PNFPP - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	LOB	PNFPP
2026	+20.08%	N/A
2025	-10.54%	+8.21%
2024	-11.57%	+14.46%
2023	+50.50%	-4.88%
2022	-65.26%	-5.11%
2021	+93.86%	+8.83%
2020	+151.82%	+10.94%
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 PNFPP 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 PNFPP was -24.79%, occurring on May 4, 2023. Recovery took 718 trading sessions.

The current LOB drawdown is -56.78%. The current PNFPP drawdown is -1.03%.

Rank	LOB	PNFPP
#1	-79.41% Nov 4, 2021 - May 11, 2023	-24.79% Sep 16, 2021 - Jul 26, 2024
#2	-74.82% Jul 23, 2018 - Oct 15, 2020	-5.62% Feb 28, 2025 - Jul 21, 2025
#3	-41.14% Aug 5, 2015 - Feb 3, 2017	-4.84% Apr 20, 2021 - Jun 29, 2021
#4	-23.50% Apr 16, 2021 - Oct 20, 2021	-3.49% Jul 6, 2021 - Aug 13, 2021
#5	-21.78% Jan 12, 2021 - Feb 23, 2021	-3.29% Oct 8, 2020 - Nov 4, 2020
#6	-18.53% Aug 1, 2017 - Nov 29, 2017	-3.22% Dec 7, 2020 - Mar 4, 2021
#7	-14.29% Feb 24, 2017 - Apr 27, 2017	-3.19% Jun 8, 2020 - Jun 25, 2020
#8	-10.72% Nov 24, 2020 - Dec 15, 2020	-3.08% Dec 2, 2024 - Jan 6, 2025
#9	-10.19% Nov 29, 2017 - Jan 25, 2018	-3.03% Jul 31, 2025 - Aug 21, 2025
#10	-10.07% Dec 21, 2020 - Jan 12, 2021	-2.90% Aug 17, 2021 - Sep 16, 2021
#11	-9.10% Mar 1, 2021 - Mar 10, 2021	-2.87% Mar 4, 2021 - Apr 5, 2021
#12	-7.77% Mar 21, 2018 - May 22, 2018	-2.84% Jul 26, 2024 - Aug 19, 2024
#13	-6.84% Mar 22, 2021 - Mar 25, 2021	-2.66% Apr 8, 2021 - Apr 16, 2021
#14	-6.76% Feb 24, 2021 - Mar 1, 2021	-2.35% Jan 7, 2025 - Feb 18, 2025
#15	-6.27% Jun 16, 2017 - Aug 1, 2017	-2.24% Sep 2, 2025 - Nov 18, 2025

Correlation

Correlation between LOB and PNFPP is 0.10 which considered as a very weak or no correlation - the stocks move independently of each other.

0.10

-101

Dividend Comparison (2015 - 2026)

LOB vs PNFPP dividend yield comparison.

Year	LOB	PNFPP
2026	0.14%	0.00%
2025	0.35%	6.75%
2024	0.30%	6.97%
2023	0.26%	7.47%
2022	0.40%	6.66%
2021	0.14%	5.98%
2020	0.25%	3.05%
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%