Albina Community Bancorp (OTCMKTS:ACBCQ) vs. Live Oak Bancshares (NASDAQ:LOB) Critical Survey

Live Oak Bancshares (NASDAQ:LOBGet Free Report) and Albina Community Bancorp (OTCMKTS:ACBCQGet Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, earnings, valuation, profitability and analyst recommendations.

Volatility and Risk

Live Oak Bancshares has a beta of 1.66, suggesting that its stock price is 66% more volatile than the S&P 500. Comparatively, Albina Community Bancorp has a beta of 4.41, suggesting that its stock price is 341% more volatile than the S&P 500.

Earnings and Valuation

This table compares Live Oak Bancshares and Albina Community Bancorp”s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Live Oak Bancshares $469.13 million 3.80 $73.90 million $1.59 24.81
Albina Community Bancorp N/A N/A N/A N/A N/A

Live Oak Bancshares has higher revenue and earnings than Albina Community Bancorp.

Profitability

This table compares Live Oak Bancshares and Albina Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Live Oak Bancshares 7.99% 7.65% 0.62%
Albina Community Bancorp N/A N/A N/A

Analyst Recommendations

This is a summary of recent recommendations and price targets for Live Oak Bancshares and Albina Community Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Live Oak Bancshares 0 2 2 0 2.50
Albina Community Bancorp 0 0 0 0 0.00

Live Oak Bancshares currently has a consensus target price of $45.50, indicating a potential upside of 15.37%. Given Live Oak Bancshares’ stronger consensus rating and higher probable upside, equities research analysts clearly believe Live Oak Bancshares is more favorable than Albina Community Bancorp.

Insider & Institutional Ownership

64.0% of Live Oak Bancshares shares are owned by institutional investors. 23.9% of Live Oak Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Live Oak Bancshares beats Albina Community Bancorp on 9 of the 10 factors compared between the two stocks.

About Live Oak Bancshares

(Get Free Report)

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. It operates through two segments, Banking and Fintech. The company accepts various deposit products, including noninterest-bearing demand, as well as 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; financing for renewable energy application industry; 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 incorporated in 2008 and is headquartered in Wilmington, North Carolina.

About Albina Community Bancorp

(Get Free Report)

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.

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