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., Axos Financial or Inc. 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., Axos Financial and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Live Oak Bancshares, Inc., Axos Financial and Inc.

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.

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

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

As of August 5, 2026, Live Oak Bancshares, Inc. had a $2.0 billion market capitalization, compared to the Banks median of $736.6 million. Live Oak Bancshares, Inc.’s stock is up 23.8% in 2026, up 0.1% in the previous five trading days and up 39.59% in the past year.

Currently, Live Oak Bancshares, Inc.’s price-earnings ratio is 16.7. Live Oak Bancshares, Inc.’s trailing 12-month revenue is $512.2 million with a 24.6% net profit margin. As of August 5, 2026, Live Oak Bancshares, Inc. has not reported significant year-over-year quarterly sales. Analysts expect adjusted earnings to reach $3.050 per share for the current fiscal year. Live Oak Bancshares, Inc. does not currently pay a dividend.

As of August 5, 2026, Axos Financial, Inc. had a $5.9 billion market cap, putting it in the 69th percentile of all stocks. Axos Financial, Inc.’s stock is up 18.2% in 2026, up 3.5% in the previous five trading days and up 21.37% in the past year.

Currently, Axos Financial, Inc.’s price-earnings ratio is 12.7. Axos Financial, Inc.’s trailing 12-month revenue is $1.3 billion with a 36.0% net profit margin. Year-over-year quarterly sales growth most recently was 19.3%. Analysts expect adjusted earnings to reach $9.658 per share for the current fiscal year. Axos Financial, Inc. does not currently pay a dividend.

How We Compare Live Oak Bancshares, Inc., Axos Financial and Inc. 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., Axos Financial and Inc.’s stock grades to see how they measure up against one another.

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Live Oak Bancshares, Inc., Axos Financial and Inc. Growth Grades

Company	Ticker	Growth
Live Oak Bancshares, Inc.	LOB	C
Axos Financial, Inc.	AX	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Live Oak Bancshares, Inc. has a Growth Score of 48, which is Average. Axos Financial, Inc. has a Growth Score of 89, which is Very Strong.

The Growth Grade Winner: Axos Financial, Inc.

As you can clearly see from the Growth Grade breakdown above, Axos Financial, Inc. has a more attractive growth grade than Live Oak Bancshares, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Axos Financial, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

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

Company	Ticker	Momentum
Live Oak Bancshares, Inc.	LOB	B
Axos Financial, Inc.	AX	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 74, which is Strong. Axos Financial, Inc. has a Momentum Score of 67, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Live Oak Bancshares, Inc., Axos Financial and Inc. 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.

Live Oak Bancshares, Inc., Axos Financial and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Live Oak Bancshares, Inc.	LOB	D
Axos Financial, Inc.	AX	D

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Live Oak Bancshares, Inc. has a Earnings Estimate Score of 38, which is Negative. Axos Financial, Inc. has a Earnings Estimate Score of 40, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Live Oak Bancshares, Inc., Axos Financial or Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors 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., Axos Financial or Inc. is the better investment when it comes to estimate revisions.

Other Live Oak Bancshares, Inc., Axos Financial and Inc. Grades

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

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 Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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., Axos Financial and Inc. 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., Axos Financial or Inc. Stock?

Overall, Live Oak Bancshares, Inc. stock has a Growth Score of 48, Momentum Score of 74 and Estimate Revisions Score of 38.

Axos Financial, Inc. stock has a Growth Score of 89, Momentum Score of 67 and Estimate Revisions Score of 40.

Comparing Live Oak Bancshares, Inc., Axos Financial and Inc.’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.