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Side-by-side financial comparison of Live Oak Bancshares, Inc. (LOB) and Nine Energy Service, Inc. (NINE). Click either name above to swap in a different company.
Live Oak Bancshares, Inc. is the larger business by last-quarter revenue ($145.5M vs $41.6M, roughly 3.5× Nine Energy Service, Inc.). Nine Energy Service, Inc. runs the higher net margin — 259.3% vs 19.2%, a 240.1% gap on every dollar of revenue. On growth, Live Oak Bancshares, Inc. posted the faster year-over-year revenue change (18.4% vs -68.5%). Over the past eight quarters, Live Oak Bancshares, Inc.'s revenue compounded faster (7.7% CAGR vs -43.9%).
Live Oak Bank, a subsidiary of Live Oak Bancshares, Inc., is an American bank. Headquartered in Wilmington, North Carolina, it serves small business owners in all 50 states and was the leading SBA 7(a) lender by dollar volume in 2022.
Xcel Energy Inc. is a U.S. regulated electric utility and natural gas delivery company based in Minneapolis, Minnesota, serving approximately 3.9 million electricity customers and 2.2 million natural gas customers across parts of eight states as of mid-2025. It consists of four operating subsidiaries: Northern States Power-Minnesota, Northern States Power-Wisconsin, Public Service Company of Colorado, and Southwestern Public Service Co.
LOB vs NINE — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $145.5M | $41.6M |
| Net Profit | $27.9M | $107.9M |
| Gross Margin | — | 9.1% |
| Operating Margin | — | — |
| Net Margin | 19.2% | 259.3% |
| Revenue YoY | 18.4% | -68.5% |
| Net Profit YoY | 187.6% | — |
| EPS (diluted) | $0.60 | $2.65 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $145.5M | $41.6M | ||
| Q4 25 | $161.9M | $132.2M | ||
| Q3 25 | $146.1M | $132.0M | ||
| Q2 25 | $143.7M | $147.3M | ||
| Q1 25 | $126.1M | $150.5M | ||
| Q4 24 | $116.9M | $141.4M | ||
| Q3 24 | $129.9M | $138.2M | ||
| Q2 24 | $125.5M | $132.4M |
| Q1 26 | $27.9M | $107.9M | ||
| Q4 25 | $46.2M | $-19.2M | ||
| Q3 25 | $26.5M | $-14.6M | ||
| Q2 25 | $23.4M | $-10.4M | ||
| Q1 25 | $9.7M | $-7.1M | ||
| Q4 24 | $9.9M | $-8.8M | ||
| Q3 24 | $13.0M | $-10.1M | ||
| Q2 24 | $27.0M | $-14.0M |
| Q1 26 | — | 9.1% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -4.2% | ||
| Q3 25 | 25.0% | -0.9% | ||
| Q2 25 | 21.7% | 2.3% | ||
| Q1 25 | 10.4% | 3.7% | ||
| Q4 24 | 11.3% | 2.5% | ||
| Q3 24 | 13.7% | 1.8% | ||
| Q2 24 | 28.7% | -1.1% |
| Q1 26 | 19.2% | 259.3% | ||
| Q4 25 | 28.5% | -14.5% | ||
| Q3 25 | 18.1% | -11.1% | ||
| Q2 25 | 16.3% | -7.1% | ||
| Q1 25 | 7.7% | -4.7% | ||
| Q4 24 | 8.5% | -6.3% | ||
| Q3 24 | 10.0% | -7.3% | ||
| Q2 24 | 21.5% | -10.6% |
| Q1 26 | $0.60 | $2.65 | ||
| Q4 25 | $0.96 | $-0.47 | ||
| Q3 25 | $0.55 | $-0.35 | ||
| Q2 25 | $0.51 | $-0.25 | ||
| Q1 25 | $0.21 | $-0.18 | ||
| Q4 24 | $0.22 | $-0.21 | ||
| Q3 24 | $0.28 | $-0.26 | ||
| Q2 24 | $0.59 | $-0.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $11.2M |
| Total DebtLower is stronger | — | $94.4M |
| Stockholders' EquityBook value | $1.3B | — |
| Total Assets | $15.3B | $326.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $11.2M | ||
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $14.4M | ||
| Q2 25 | — | $14.2M | ||
| Q1 25 | — | $17.3M | ||
| Q4 24 | — | $27.9M | ||
| Q3 24 | — | $15.7M | ||
| Q2 24 | — | $26.0M |
| Q1 26 | — | $94.4M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $-115.0M | ||
| Q3 25 | $1.2B | $-95.9M | ||
| Q2 25 | $1.1B | $-81.7M | ||
| Q1 25 | $1.0B | $-72.1M | ||
| Q4 24 | $999.0M | $-66.1M | ||
| Q3 24 | $1.0B | $-57.6M | ||
| Q2 24 | $961.0M | $-49.7M |
| Q1 26 | $15.3B | $326.0M | ||
| Q4 25 | $15.1B | $339.5M | ||
| Q3 25 | $14.7B | $340.7M | ||
| Q2 25 | $13.8B | $361.2M | ||
| Q1 25 | $13.6B | $359.2M | ||
| Q4 24 | $12.9B | $360.1M | ||
| Q3 24 | $12.6B | $353.2M | ||
| Q2 24 | $11.9B | $381.7M |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
