Live Oak vs S&T Bancorp

Live Oak Bancshares Inc and S&T Bancorp Inc are examined here in a neutral comparison. This page compares business models, financial performance, and market context for the two organisations, presenting information in a clear, accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

LOB

Metric

STBA

$1.68B

Market Cap

$1.54B

9.62%

Potential Profit

-1.29%

Buy

Analyst Rating

Hold

Investment Analysis

Live Oak

LOB

Pros

Live Oak Bancshares has demonstrated strong profitability with a net profit margin above 35% and high return on equity, indicating efficient management.
The company benefits from a diversified lending model focused on small businesses and niche industries, supported by government-backed loan programs.
Live Oak Bancshares maintains a low debt-to-equity ratio and robust capital position, providing resilience during periods of economic stress.

Considerations

Recent quarterly earnings and revenues have missed analyst expectations, raising concerns about near-term growth momentum.
The company's stock valuation is relatively high compared to peers, with a price-to-earnings ratio above the sector average.
Live Oak Bancshares is exposed to regulatory and interest rate risks, which could impact lending margins and profitability in a volatile environment.

S&T Bancorp

STBA

Pros

S&T Bancorp has a stable regional banking franchise with a diversified loan and deposit base across Pennsylvania and surrounding states.
The company maintains a solid balance sheet with moderate leverage and consistent capital generation, supporting dividend payments.
S&T Bancorp has demonstrated steady net interest margin expansion, benefiting from rising interest rates and disciplined asset management.

Considerations

S&T Bancorp's growth has been relatively slow compared to peers, with limited expansion into new markets or product lines.
The company faces increasing competition from larger banks and fintech firms, which may pressure loan pricing and fee income.
S&T Bancorp's stock has underperformed sector averages in recent periods, reflecting investor concerns about future earnings potential.

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.

S&T Bancorp (STBA)

S&T Bancorp, Inc. is a bank holding company that operates primarily through its main subsidiary, S&T Bank. Headquartered in Pennsylvania, it provides a comprehensive range of financial services to individuals and businesses across its core markets in Pennsylvania and Ohio. The company's operations are broken down into several key segments, including Commercial Real Estate, Commercial and Industrial lending, and Commercial Construction. It also caters to small businesses through its Business Banking division and individual customers via its Consumer Real Estate and other consumer loan services. For investors, S&T Bancorp represents a significant regional banking player with a diversified loan portfolio. As with any investment in the financial sector, its performance can be influenced by economic conditions and interest rate changes. Values can go down as well as up.

Buy LOB or STBA in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

Live Oak vs Oxford Lane Capital

Live Oak vs Oxford Lane Capital: A business comparison

Live Oak vs S&T Bancorp

Comparison Snapshot