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BLX vs LOB

BLX
Banco Latinoamericano de Comercio Exterior, S. A.
NEUTRAL
Price
$46.76
Market Cap
$1.72B
Sector
Financial Services
AI Confidence
65%
LOB
Live Oak Bancshares, Inc.
NEUTRAL
Price
$37.82
Market Cap
$1.75B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BLX
7.9
LOB
14.44
Forward P/E
BLX
7.23
LOB
9.11
P/B Ratio
BLX
1.06
LOB
1.51
P/S Ratio
BLX
5.59
LOB
3.41
EV/EBITDA
BLX
--
LOB
--

Profitability

Gross Margin
BLX
0.0%
LOB
0.0%
Operating Margin
BLX
72.51%
LOB
35.48%
Profit Margin
BLX
72.1%
LOB
24.64%
ROE
BLX
15.04%
LOB
10.89%
ROA
BLX
1.86%
LOB
0.87%

Growth

Revenue Growth
BLX
3.1%
LOB
29.1%
Earnings Growth
BLX
2.5%
LOB
185.7%

Financial Health

Debt/Equity
BLX
--
LOB
--
Current Ratio
BLX
--
LOB
--
Quick Ratio
BLX
--
LOB
--

Dividends

Dividend Yield
BLX
5.27%
LOB
0.32%
Payout Ratio
BLX
39.58%
LOB
4.58%

AI Verdict

BLX NEUTRAL

The stock exhibits weak financial health with a Piotroski F-Score of just 2/9, signaling significant fundamental concerns. Despite this, BLX trades at a discount to both Graham Number ($76.75) and intrinsic value ($63.64), supported by a low P/E of 7.90 and strong profitability margins above 72%. Recent earnings growth is exceptionally strong (YoY EPS +88.9%), but inconsistent historical earnings surprises and poor technical trend (10/100) offset optimism. The 5.27% dividend yield and low payout ratio add appeal, though insider sentiment is weak and analyst coverage is sparse.

Strengths
High profitability with operating margin of 72.51% and net margin of 72.10%
Attractive valuation: P/E of 7.90 well below sector average of 30.45
Strong dividend yield of 5.27% with sustainable 39.58% payout ratio
Risks
Very weak Piotroski F-Score of 2/9 indicates poor financial health and potential distress risk
Missing Altman Z-Score prevents distress risk confirmation, but low F-Score raises red flags
Poor technical trend (10/100) suggests ongoing bearish momentum
LOB NEUTRAL

LOB presents a stark contradiction between valuation and fundamental health. While the stock is priced attractively near its Graham Number ($38.44) and shows explosive YoY earnings growth (185.7%), the Piotroski F-Score of 2/9 indicates severe weakness in financial health. This fundamental fragility is compounded by bearish insider activity, specifically significant sales by the CEO and CFO. Despite analyst 'buy' recommendations and a high growth-based intrinsic value, the poor health score and insider sentiment suggest significant underlying risk.

Strengths
Strong valuation with a low Forward P/E of 9.11
Explosive YoY earnings growth of 185.70%
Robust revenue growth of 29.10% YoY
Risks
Critical financial health weakness indicated by a Piotroski F-Score of 2/9
Bearish insider sentiment with heavy selling by the CEO and CFO
Poor earnings consistency, beating estimates in only 1 of the last 4 quarters

Compare Another Pair

BLX vs LOB: Head-to-Head Comparison

This page compares Banco Latinoamericano de Comercio Exterior, S. A. (BLX) and Live Oak Bancshares, Inc. (LOB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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