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., Commerce Bancshares 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., Commerce Bancshares and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Live Oak Bancshares, Inc., Commerce Bancshares 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.

Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Retail Banking, Commercial, and Wealth. The Retail Banking segment offers various banking products and services, including consumer deposits; consumer loans, such as automobile, motorcycle, marine, tractor/trailer, recreational vehicle, fixed rate and revolving home equity, and other consumer loans; patient health care financing; real estate loans; indirect and other consumer financing; retail branch network; personal mortgage banking; consumer installment lending; and consumer debit and credit bank cards. The Commercial segment provides corporate lending, leasing, international, merchant and commercial bank card, and securities safekeeping and bond accounting services; and business products, government deposits, and related commercial cash management services, as well as sells fixed income securities to correspondent banks, corporations, public institutions, municipalities, and individuals. The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment portfolio management, and brokerage services, as well as private banking accounts. The company offers private equity investment, securities brokerage, insurance agency, specialty lending, and leasing services, as well as online and mobile banking services. Commerce Bancshares, Inc. was founded in 1865 and is headquartered in Kansas City, Missouri.

Latest Banks and Live Oak Bancshares, Inc., Commerce Bancshares, Inc. Stock News

As of August 21, 2026, Live Oak Bancshares, Inc. had a $1.9 billion market capitalization, compared to the Banks median of $745.4 million. Live Oak Bancshares, Inc.’s stock is up 19.3% in 2026, down 5.3% in the previous five trading days and up 17.15% in the past year.

Currently, Live Oak Bancshares, Inc.’s price-earnings ratio is 14.3. Live Oak Bancshares, Inc.’s trailing 12-month revenue is $526.4 million with a 26.5% net profit margin. Year-over-year quarterly sales growth most recently was 12.1%. Analysts expect adjusted earnings to reach $3.122 per share for the current fiscal year. Live Oak Bancshares, Inc. currently has a 0.3% dividend yield.

As of August 21, 2026, Commerce Bancshares, Inc. had a $8.4 billion market cap, putting it in the 75th percentile of all stocks. Commerce Bancshares, Inc.’s stock is up 11.5% in 2026, down 3.1% in the previous five trading days and down 1.08% in the past year.

Currently, Commerce Bancshares, Inc.’s price-earnings ratio is 14.3. Commerce Bancshares, Inc.’s trailing 12-month revenue is $1.8 billion with a 31.6% net profit margin. Year-over-year quarterly sales growth most recently was 14.2%. Analysts expect adjusted earnings to reach $4.299 per share for the current fiscal year. Commerce Bancshares, Inc. currently has a 1.9% dividend yield.

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

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Live Oak Bancshares, Inc., Commerce Bancshares and Inc. Stock Value Grades

Company	Ticker	Value
Live Oak Bancshares, Inc.	LOB	C
Commerce Bancshares, Inc.	CBSH	C

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 59, which is Average. Commerce Bancshares, Inc. has a Value Score of 52, which is Average.

The Value Stock Winner: No Clear Winner

Neither Live Oak Bancshares, Inc., Commerce Bancshares or Inc. 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., Commerce Bancshares or Inc. is the better investment when it comes to value.

Live Oak Bancshares, Inc., Commerce Bancshares and Inc.’s Momentum Grades

Company	Ticker	Momentum
Live Oak Bancshares, Inc.	LOB	C
Commerce Bancshares, Inc.	CBSH	C

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 58, which is Average. Commerce Bancshares, Inc. has a Momentum Score of 45, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Live Oak Bancshares, Inc., Commerce Bancshares or Inc. has a strong enough Momentum Grade to 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., Commerce Bancshares or Inc. is the better investment when it comes to momentum.

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

Company	Ticker	Earnings Estimate
Live Oak Bancshares, Inc.	LOB	C
Commerce Bancshares, Inc.	CBSH	B

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 50, which is Neutral. Commerce Bancshares, Inc. has a Earnings Estimate Score of 62, which is Positive.

The Earnings Estimate Revisions Grade Winner: Commerce Bancshares, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Commerce Bancshares, Inc. has a better Earnings Estimate Revisions Grade than Live Oak Bancshares, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Commerce Bancshares, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Live Oak Bancshares, Inc., Commerce Bancshares and Inc. Grades

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

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.

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., Commerce Bancshares 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., Commerce Bancshares or Inc. Stock?

Overall, Live Oak Bancshares, Inc. stock has a Value Score of 59, Momentum Score of 58 and Estimate Revisions Score of 50.

Commerce Bancshares, Inc. stock has a Value Score of 52, Momentum Score of 45 and Estimate Revisions Score of 62.

Comparing Live Oak Bancshares, Inc., Commerce Bancshares 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.