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Live Oak Bancshares vs ServisFirst Bancshares: LOB and SFBS compared
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $173M for ServisFirst Bancshares (Q3 2026). ServisFirst Bancshares is growing faster (+27% against +23% a year earlier). ServisFirst Bancshares is more profitable, with an operating margin of 61.0% against 20.1%.
Where the money goes: LOB and SFBS
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.
ServisFirst Bancshares (SFBS) · Q3 2026
ServisFirst Bancshares, Q3 2026: revenue $173M (+27% year over year), operating margin 61.0%, net earnings $87.3M, operating cash flow $82.4M. The chart follows the revenue to costs, profit and cash.
| Live Oak Bancshares (LOB) | ServisFirst Bancshares (SFBS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $176M | $173M |
| Revenue growth, Y/Y | +23% | +27% |
| Operating margin | 20.1% | 61.0% |
| Net earnings | $26.3M | $87.3M |
| Net margin | 15.0% | 50.5% |
| Operating cash flow | $127M | $82.4M |
| Free cash flow | $124M | $78.0M |
| Market value | — | $4.2B |
| P/E | — | 7.0× |
| Analysts’ mean target | — | $46.00 |
Where the revenue comes from
Live Oak Bancshares
- Net interest income: $133M (76%)
- Noninterest income: $42.6M (24%)
ServisFirst Bancshares
- Net interest income: $160M (92%)
- Noninterest income: $13.1M (8%)
Questions
Which is bigger, Live Oak Bancshares or ServisFirst Bancshares?
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $173M for ServisFirst Bancshares (Q3 2026).
Is Live Oak Bancshares or ServisFirst Bancshares growing faster?
ServisFirst Bancshares is growing faster (+27% against +23% a year earlier).
Which is more profitable, Live Oak Bancshares or ServisFirst Bancshares?
ServisFirst Bancshares is more profitable, with an operating margin of 61.0% against 20.1%.
More: Live Oak Bancshares earnings · how Live Oak Bancshares makes money · ServisFirst Bancshares earnings · how ServisFirst Bancshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 3, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.