Live Oak vs Bladex

This page compares Live Oak and Bladex, outlining their business models, financial performance, and market context in a clear, neutral manner. It presents factual information to help readers understand how each company operates and where they fit within the banking sector today. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

LOB

Metric

BLX

$1.68B

Market Cap

$1.38B

9.62%

Potential Profit

13.84%

Buy

Analyst Rating

Buy

Investment Analysis

Live Oak

LOB

Pros

Live Oak Bancshares demonstrates strong profitability with a net profit margin above 35% and high return on equity, indicating efficient management.
The company has shown robust growth in loan production and customer deposits, supporting its expansion in the small-cap banking sector.
Recent analyst coverage reflects a moderate buy consensus, with several upgrades and a forecasted upside over the next twelve months.

Considerations

Third quarter 2025 earnings and revenues missed analyst expectations, raising concerns about near-term performance consistency.
The bank's small-cap status may expose it to higher volatility and limited liquidity compared to larger banking peers.
Dividend yield is relatively low, offering limited income appeal for yield-focused investors.

Bladex

BLX

Pros

Banco Latinoamericano de Comercio Exterior offers a high trailing dividend yield, making it attractive for income-seeking investors.
The bank has a strong regional focus, supporting trade and integration across Latin America with a diversified client base.
Recent share price performance shows positive momentum, with notable gains over the past six months and a resilient trading range.

Considerations

The bank's business is sensitive to macroeconomic conditions in Latin America, exposing it to regional volatility and currency risks.
Limited analyst coverage and transparency may make it harder for investors to assess risks and growth prospects accurately.
A significant portion of revenue comes from the commercial segment, increasing exposure to trade cycle fluctuations and credit risk.

About The Companies

Live Oak (LOB)

Live Oak Bancshares is the bank holding company for Live Oak Bank, a financial institution with a distinct focus. Rather than operating like a traditional high street bank, it specialises in providing loans and deposit services to small businesses throughout the United States. Its model is built on a national online platform, which allows it to reach customers efficiently without a large physical branch network. Beyond its core banking operations, the company holds several subsidiaries. These include Live Oak Ventures, which invests in financial technology companies, and Government Loan Solutions, which offers consultancy services for government-guaranteed lending. This structure positions Live Oak Bancshares as a modern, specialised player in the financial services industry. As with any investment, its value can go down as well as up, and past performance is not a guide to the future.

Bladex (BLX)

Buy LOB or BLX in Nemo

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Comparison Snapshot