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Live Oak Bancshares vs First Financial Bankshares: LOB and FFIN compared
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $174M for First Financial Bankshares (Q3 2026). Live Oak Bancshares is growing faster (+23% against +8% a year earlier). First Financial Bankshares is more profitable, with an operating margin of 52.3% against 20.1%.
Where the money goes: LOB and FFIN
Live Oak Bancshares (LOB) · Q3 2026
Live Oak Bancshares, Q3 2026: revenue $176M (+23% year over year), operating margin 20.1%, net earnings $26.3M, operating cash flow $127M. The chart follows the revenue to costs, profit and cash.
First Financial Bankshares (FFIN) · Q3 2026
First Financial Bankshares, Q3 2026: revenue $174M (+8% year over year), operating margin 52.3%, net earnings $74.3M, operating cash flow $92.9M. The chart follows the revenue to costs, profit and cash.
| Live Oak Bancshares (LOB) | First Financial Bankshares (FFIN) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $176M | $174M |
| Revenue growth, Y/Y | +23% | +8% |
| Operating margin | 20.1% | 52.3% |
| Net earnings | $26.3M | $74.3M |
| Net margin | 15.0% | 42.7% |
| Operating cash flow | $127M | $92.9M |
| Free cash flow | $124M | $86.3M |
| Market value | — | $4.4B |
| P/E | — | 15.2× |
| Analysts’ mean target | — | $34.71 |
Where the revenue comes from
Live Oak Bancshares
- Net interest income: $133M (76%)
- Noninterest income: $42.6M (24%)
First Financial Bankshares
- Net interest income: $139M (80%)
- Noninterest income: $35.6M (20%)
Questions
Which is bigger, Live Oak Bancshares or First Financial Bankshares?
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $174M for First Financial Bankshares (Q3 2026).
Is Live Oak Bancshares or First Financial Bankshares growing faster?
Live Oak Bancshares is growing faster (+23% against +8% a year earlier).
Which is more profitable, Live Oak Bancshares or First Financial Bankshares?
First Financial Bankshares is more profitable, with an operating margin of 52.3% against 20.1%.
More: Live Oak Bancshares earnings · how Live Oak Bancshares makes money · First Financial Bankshares earnings · how First Financial Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 3, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.