COMP <GO>
NBHC vs LOB // ENTERPRISE SCALE & MARKET CAP
National Bank Holdings Corporation (NYSE) VS. Live Oak Bancshares Inc. (NYSE) • 15-METRIC TALLY: NBHC 3
— LOB 3
▲ ENTERPRISE SCALE & MARKET CAP LEADER: NBHC
LAST: $37.43 (-0.35%) • MKT CAP: $1.67B
market-cap
$1.67B
LAST: $34.47 (-1.71%) • MKT CAP: $1.62B
market-cap
$1.62B
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NBHC VS. LOB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NBHC | LOB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.90% | 8.50% | -0.60 | LOB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.71% | 8.84% | +0.87 | NBHC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 2.10% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.75% | 0.34% | +2.41 | NBHC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | LOB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.3 | 44.4 | -5.10 | 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 ACTIVE | $1.67B | $1.62B | $49.7M | NBHC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NBHC REV | LOB REV | NBHC GROSS % | LOB GROSS % | NBHC FCF | LOB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $47.1M | $0 | — | — | $162.4M | $143.5M |
| FY 2024 | $46.2M | $0 | — | — | $155.3M | $107.5M |
| FY 2023 | $46.9M | $0 | — | — | $166.9M | $184.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NBHC // BETA —
LOB // BETA —