Central Plains Bancshares (NASDAQ:CPBI – Get Free Report) and Live Oak Bancshares (NYSE:LOB – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, profitability, analyst recommendations, valuation, dividends, risk and institutional ownership.
Risk and Volatility
Central Plains Bancshares has a beta of 0.22, meaning that its share price is 78% less volatile than the S&P 500. Comparatively, Live Oak Bancshares has a beta of 1.94, meaning that its share price is 94% more volatile than the S&P 500.
Profitability
This table compares Central Plains Bancshares and Live Oak Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Central Plains Bancshares | 14.33% | 5.14% | 0.83% |
| Live Oak Bancshares | 12.68% | 11.77% | 0.90% |
Insider and Institutional Ownership
24.3% of Central Plains Bancshares shares are held by institutional investors. Comparatively, 64.0% of Live Oak Bancshares shares are held by institutional investors. 8.6% of Central Plains Bancshares shares are held by company insiders. Comparatively, 22.4% 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 will outperform the market over the long term.
Analyst Recommendations
This is a summary of current ratings for Central Plains Bancshares and Live Oak Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Central Plains Bancshares | 0 | 1 | 0 | 0 | 2.00 |
| Live Oak Bancshares | 0 | 4 | 2 | 0 | 2.33 |
Live Oak Bancshares has a consensus target price of $42.50, suggesting a potential upside of 19.98%. Given Live Oak Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Live Oak Bancshares is more favorable than Central Plains Bancshares.
Valuation & Earnings
This table compares Central Plains Bancshares and Live Oak Bancshares”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Central Plains Bancshares | $30.33 million | 2.78 | $4.00 million | $1.18 | 17.16 |
| Live Oak Bancshares | $1.04 billion | 1.58 | $105.87 million | $2.84 | 12.47 |
Live Oak Bancshares has higher revenue and earnings than Central Plains Bancshares. Live Oak Bancshares is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
Live Oak Bancshares beats Central Plains Bancshares on 11 of the 14 factors compared between the two stocks.
About Central Plains Bancshares
Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.
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, 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; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
Receive News & Ratings for Central Plains Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Central Plains Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.
