Altapacific Bancor (OTCMKTS:ABNK) and Live Oak Bancshares (OTCMKTS:LOB) Critical Contrast

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Altapacific Bancor (OTCMKTS:ABNK) and Live Oak Bancshares (NASDAQ:LOB) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, valuation, institutional ownership, dividends, risk, analyst recommendations and earnings.

Dividends

Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.7%. Altapacific Bancor does not pay a dividend. Live Oak Bancshares pays out 9.1% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares Altapacific Bancor and Live Oak Bancshares’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Altapacific Bancor $22.76 million 3.69 $5.20 million N/A N/A
Live Oak Bancshares $266.41 million 2.76 $51.45 million $1.32 13.86

Live Oak Bancshares has higher revenue and earnings than Altapacific Bancor.

Institutional & Insider Ownership

43.0% of Live Oak Bancshares shares are held by institutional investors. 25.9% of Live Oak Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Altapacific Bancor and Live Oak Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Altapacific Bancor 0 0 0 0 N/A
Live Oak Bancshares 0 1 1 0 2.50

Live Oak Bancshares has a consensus price target of $16.50, suggesting a potential downside of 9.84%. Given Live Oak Bancshares’ higher possible upside, analysts plainly believe Live Oak Bancshares is more favorable than Altapacific Bancor.

Risk and Volatility

Altapacific Bancor has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, Live Oak Bancshares has a beta of 1.07, meaning that its stock price is 7% more volatile than the S&P 500.

Profitability

This table compares Altapacific Bancor and Live Oak Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Altapacific Bancor 22.42% N/A N/A
Live Oak Bancshares 7.88% 4.50% 0.55%

Summary

Live Oak Bancshares beats Altapacific Bancor on 10 of the 14 factors compared between the two stocks.

About Altapacific Bancor

AltaPacific Bancorp operates as the holding company for AltaPacific Bank that provides a range of banking products and services to small to middle-market businesses, professionals, and not-for-profit organizations in California. It offers various deposit products, including checking accounts, savings accounts, money market accounts, certificates of deposit, attorney client trust accounts, and individual retirement accounts. The company also provides short term unsecured, term, commercial and residential construction, small business administration, land, machinery and equipment, working capital, installment, and commercial real estate loans; marketable securities, home equity lines of credit, and real estate secured lines of credit; business acquisition and expansion, and inventory financing services; and debt restructuring services. In addition, it offers overdraft protection; debit and credit cards; cash management, wire transfer, check imaging, and online banking services; and order checks. The company has offices in Santa Rosa, Ontario, Covina, Temecula, and Riverside, California. AltaPacific Bancorp was founded in 2006 and is headquartered in Santa Rosa, California.

About Live Oak Bancshares

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, interest-bearing checking, money market, savings, and time deposits. It also offers 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 provides settlement, accounting, and securitization services for government guaranteed loans; and wealth and investment management services to high-net-worth individuals and families. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

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