Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Live Oak Bancshares, Inc. or FB Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Live Oak Bancshares, Inc. and FB Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Live Oak Bancshares, Inc. and FB Financial Corporation

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

FB Financial Corporation operates as a bank holding company for FirstBank that provides a suite of commercial and consumer banking services. The company operates in two segments, Banking and Mortgage. It offers interest-bearing checking, noninterest-bearing demand, money market, and savings accounts; deposit and lending products and services to corporate, commercial, and consumer customers; and time deposits, as well as residential mortgage loans and loan securitization services to third party private investors or government sponsored agencies. The company also provides owner-occupied and non-owner-occupied commercial real estate loans; residential real estate 1-4 family mortgage, multi-family residential, commercial and industrial, construction, land acquisition and land development loans, and single-family interim construction loans, as well as residential lines of credit; consumer and other loans, such as car, boat, and other recreational vehicle loans; and personal lines of credit. In addition, the company offers mortgage banking services through its bank branch network and mortgage banking offices; and securities underwriting, insurance underwriting, and merchant banking. It operates through various full-service branch locations, as well as online or mobile banking. The company serves retail and wealth consumers, small businesses, and corporate clients and owners. The company was formerly known as First South Bancorp, Inc. and changed its name to FB Financial Corporation in 2016. FB Financial Corporation was founded in 1906 and is headquartered in Nashville, Tennessee.

Latest Banks and Live Oak Bancshares, Inc., FB Financial Corporation Stock News

As of July 31, 2026, Live Oak Bancshares, Inc. had a $2.0 billion market capitalization, compared to the Banks median of $716.9 million. Live Oak Bancshares, Inc.’s stock is up 24.6% in 2026, up 1.7% in the previous five trading days and up 33.04% in the past year.

Currently, Live Oak Bancshares, Inc.’s price-earnings ratio is 16.4. Live Oak Bancshares, Inc.’s trailing 12-month revenue is $512.2 million with a 26.5% net profit margin. Year-over-year quarterly sales growth most recently was 33.5%. Analysts expect adjusted earnings to reach $3.050 per share for the current fiscal year. Live Oak Bancshares, Inc. currently has a 0.3% dividend yield.

As of July 31, 2026, FB Financial Corporation had a $3.0 billion market cap, putting it in the 60th percentile of all stocks. FB Financial Corporation’s stock is up 8.2% in 2026, up 2.2% in the previous five trading days and up 21.91% in the past year.

Currently, FB Financial Corporation’s price-earnings ratio is 22.1. FB Financial Corporation’s trailing 12-month revenue is $557.7 million with a 30.2% net profit margin. Year-over-year quarterly sales growth most recently was 31.9%. Analysts expect adjusted earnings to reach $4.683 per share for the current fiscal year. FB Financial Corporation currently has a 1.4% dividend yield.

How We Compare Live Oak Bancshares, Inc. and FB Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Live Oak Bancshares, Inc. and FB Financial Corporation’s stock grades to see how they measure up against one another.

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Live Oak Bancshares, Inc. and FB Financial Corporation Stock Value Grades

Company	Ticker	Value
Live Oak Bancshares, Inc.	LOB	C
FB Financial Corporation	FBK	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Live Oak Bancshares, Inc. has a Value Score of 54, which is Average. FB Financial Corporation has a Value Score of 31, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Live Oak Bancshares, Inc. or FB Financial Corporation has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Live Oak Bancshares, Inc. or FB Financial Corporation is the better investment when it comes to value.

Live Oak Bancshares, Inc. and FB Financial Corporation’s Quality Grades

Company	Ticker	Quality
Live Oak Bancshares, Inc.	LOB	F
FB Financial Corporation	FBK	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Live Oak Bancshares, Inc. has a Quality Score of 13, which is Very Weak. FB Financial Corporation has a Quality Score of 9, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Live Oak Bancshares, Inc. or FB Financial Corporation has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Live Oak Bancshares, Inc. or FB Financial Corporation is the better investment when it comes to quality.

Live Oak Bancshares, Inc. and FB Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
Live Oak Bancshares, Inc.	LOB	B
FB Financial Corporation	FBK	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Live Oak Bancshares, Inc. has a Momentum Score of 73, which is Strong. FB Financial Corporation has a Momentum Score of 63, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Live Oak Bancshares, Inc. and FB Financial Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Other Live Oak Bancshares, Inc. and FB Financial Corporation Grades

In addition to Momentum, Value and Quality, A+ Investor also provides grades for Growth and Estimate Revisions.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Live Oak Bancshares, Inc. and FB Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Live Oak Bancshares, Inc. or FB Financial Corporation Stock?

Overall, Live Oak Bancshares, Inc. stock has a Value Score of 54, Momentum Score of 73 and Quality Score of 13.

FB Financial Corporation stock has a Value Score of 31, Momentum Score of 63 and Quality Score of 9.

Comparing Live Oak Bancshares, Inc. and FB Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.