COMP <GO>
LOB vs NBHC // REVENUE GROWTH (YOY)
Live Oak Bancshares Inc. (NYSE) VS. National Bank Holdings Corporation (NYSE) • 15-METRIC TALLY: LOB 3
— NBHC 3
■ METRIC PARITY
LAST: $35.07 (+1.18%) • MKT CAP: $1.62B
revenue-growth
—
LAST: $37.56 (+0.21%) • MKT CAP: $1.67B
revenue-growth
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (LOB VS. NBHC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | LOB | NBHC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.50% | 7.90% | +0.60 | LOB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.84% | 9.71% | -0.87 | NBHC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | 2.10% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.34% | 2.75% | -2.41 | NBHC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | LOB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 37.7 | 37.6 | +0.04 | LOB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.2x | 14.2x | 0.00 | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.62B | $1.67B | -$49.7M | NBHC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | LOB REV | NBHC REV | LOB GROSS % | NBHC GROSS % | LOB FCF | NBHC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $47.1M | — | — | $143.5M | $162.4M |
| FY 2024 | $0 | $46.2M | — | — | $107.5M | $155.3M |
| FY 2023 | $0 | $46.9M | — | — | $184.9M | $166.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
LOB // BETA —
NBHC // BETA —