LOB Stock — Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. (LOB)

Updated October 16, 2026.

LOB is a Stock. its distribution rate is 0.34%, its trailing-12-month yield is 0.34%. Dividend Vision Distribution Safety Score™ is 77/100 (Generally safe). Total return is 115.0% over the past 11.2 years, 219.2 points behind SPY at 334.2%.

Live Oak Bancshares is a bank holding company that operates Live Oak Banking Company, providing commercial banking services including deposit products, commercial and industrial loans, real estate financing, and specialized services for government-guaranteed loans and renewable energy financing, along with wealth management and fintech venture capital investment advisory services. The company has a low current distribution rate and pays distributions quarterly. This security appeals to investors seeking exposure to specialized commercial banking with a modest income component.

LOB performance versus SPY

Price and return data through 2026-10-16.

Total return is 115.0% over the past 11.2 years, 219.2 points behind SPY at 334.2%. Over the past year its total return — price change plus distributions reinvested — is 6.0%. Its deepest 1-year drawdown was 23.8%.

LOB key facts

Distribution Safety Score™

77 · Generally safe

Safety-Adjusted Yield

0.26%

Asset type

Stock

Asset class

Equity

Inception date

07/22/2015

Distribution rate

0.34%

Distribution frequency

Quarterly

Trailing yield

0.34%

5-year average yield

0.31

Last close

$34.91 (as of 2026-10-16)

Market cap

$1,615,761,174

Average volume

280816.0

Dividend

$0.03

Ex-dividend date

09/01/2026

Payment date

09/15/2026

Beta

1.943

Payout ratio

4.9%

P/E ratio

12.25

Forward P/E

10.1937

EPS

$2.85

How Dividend Vision calculates yield and returns

Distribution rate (0.34%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (0.34%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

LOB risks and drawbacks

LOB's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 23.8%.

Who may consider LOB — and who may not

It is a weaker fit for investors who need monthly cash flow (LOB pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on LOB

• All tickers starting with L

Tagged: Financials, Dividend.

Frequently asked questions