TriCo Bancshares vs Live Oak
TriCo Bancshares vs Live Oak Bancshares Inc compares business models, financial performance, and market context to provide neutral insights. This page presents accessible analysis intended to inform, without offers of advice or recommendations. Educational content, not financial advice.
TriCo Bancshares vs Live Oak Bancshares Inc compares business models, financial performance, and market context to provide neutral insights. This page presents accessible analysis intended to inform, ...
Investment Analysis
TriCo Bancshares
TCBK
Pros
- TriCo Bancshares reported strong Q3 2025 net income of $34.0 million, up 17.1% year-over-year, showcasing solid profitability growth.
- Loan balances increased notably by 4.8% year-over-year, indicating healthy lending growth momentum.
- The company maintains a strong net interest margin at 3.92%, slightly improved from the prior quarter, reflecting efficient interest income generation.
Considerations
- Deposit balances decreased by 2.0% annualized from the prior quarter, which could signal pressure on funding sources.
- Provision for credit losses rose in recent quarters, reflecting increased reserves and potential asset quality concerns.
- Efficiency ratio increased to over 60%, suggesting rising operating expenses relative to income, which may affect margins.
Live Oak
LOB
Pros
- Live Oak Bancshares benefits from strong future growth prospects driven by digital banking and AI adoption fueling momentum.
- The company has a solid financial health profile with a low debt-to-equity ratio of 8.7%, implying conservative leverage.
- Live Oak maintains a robust net profit margin of approximately 15.8%, reflecting effective cost control alongside high revenue.
Considerations
- Past performance metrics have been weak, indicating challenges in consistent profitability or earnings growth.
- The company faces headwinds from fintech competition and rising regulatory costs, which could constrain margins and growth.
- Live Oak does not currently pay dividends, limiting income returns to shareholders seeking yield.
Buy TCBK or LOB 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
TriCo Bancshares vs National Bank Holdings
TriCo Bancshares vs National Bank Holdings
TriCo Bancshares vs Bladex
TriCo Bancshares vs Bladex
TriCo Bancshares vs Oxford Lane Capital
TriCo Bancshares vs Oxford Lane Capital