Trailing Dividend / Share
$0.12
Live Oak Bancshares, Inc. (LOB) Dividend History
Income profile from 2015 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
0.3%
Payout Ratio
5.3%
Sustainable
Dividend Streak
0 years
LOB Dividend Income Check
Safety
5.3% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 0.3% and trend is flat.
LOB Dividend Scorecard
Yield & Income
Dividend Yield0.3%
Trailing DPS$0.12
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout5.3%
Earnings SafetySustainable
FCF Payout4.3%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak0 years
3Y CAGR0.0%
5Y CAGR0.0%
Yield on Cost (5Y)0.3%
YOC Trendflat
Total Returns
Buyback Yield0.0%
Total Shareholder Yield0.3%
1Y Total Return37.3%
5Y Total Return-33.6%
Div Contribution (5Y)1.0%
Estimated $10K growth (return + dividends):
5Y ago$6,63910Y ago$30,26320Y ago$21,767
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
LOB Income Growth Story
Dividend per share and yield on cost over time (12 years of payments)
LOB Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
Live Oak Bancshares, Inc. distributes 5.3% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 4.3%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
LOB does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 0.0% and 5-year CAGR of 0.0%.
Total Shareholder Returns
Beyond cash dividends, LOB returns capital through share repurchases. The combined picture: 0.3% dividend yield, 0.3% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 0.3% and is currently flat. The 5-year total return is -33.6%, with dividends contributing 1.0% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $30,263 today.
LOB Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$0.60
Avg/Payment$0.0300
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 2, 2026Latest | $0.0300 | — | 31.74% | Jun 15, 2026 |
| Mar 5, 2026 | $0.0300 | — | 33.67% | Mar 15, 2026 |
| Dec 2, 2025 | $0.0300 | — | 37.30% | Dec 15, 2025 |
| Sep 2, 2025 | $0.0300 | — | 31.93% | Sep 15, 2025 |
| Jun 3, 2025 | $0.0300 | — | 43.31% | Jun 17, 2025 |
| Feb 25, 2025 | $0.0300 | — | 37.19% | Mar 11, 2025 |
| Dec 2, 2024 | $0.0300 | — | 25.49% | Dec 16, 2024 |
| Sep 3, 2024 | $0.0300 | — | 28.22% | Sep 17, 2024 |
LOB Dividend vs Peers
Comparable companies in the same industry
#9 yield in peer group
Div Yield
0.3%
#9 of 9
Safety
Sustainable
5.3% payout
Streak
0Y
0.0% 5Y CAGR
Total Shareholder
0.3%
#9 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| LOBLive Oak Bancshares,… | $1.9B | 0.3% | 5.3% | 0 | Sustainable |
 FFINFirst Financial Bank… | $5.0B | 2.1% | 41.8% | 15 | Sustainable |
 TCBKTriCo Bancshares | $1.7B | 2.6% | 37.0% | 13 | Sustainable |
 SMBCSouthern Missouri Ba… | $845M | 1.2% | 17.8% | 14 | Sustainable |
 BSVNBank7 Corp. | $463M | 2.0% | 21.7% | 7 | Sustainable |
1st  BYFCBroadway Financial C… | $96M | 3.4% | — | 0 | Unknown |
2nd  NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
 SBCFSeacoast Banking Cor… | $3.3B | 2.2% | 46.7% | 4 | Sustainable |
3rd  HONEHarborOne Bancorp, I… | $522M | 2.6% | 47.8% | 6 | Sustainable |
LOB Annual Dividend History (2011–2026)
16 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.06 | — | 2 | — | — | — | 0.1% |
| 2025 | $0.12 | 0.0% | 4 | $2.22 | 5.4% | 18.50x | 0.3% |
| 2024 | $0.12 | 0.0% | 4 | $1.69 | 7.1% | 14.08x | 0.3% |
| 2023 | $0.12 | 0.0% | 4 | $1.64 | 7.3% | 13.67x | 0.3% |
| 2022 | $0.12 | 0.0% | 4 | $3.92 | 3.1% | 32.67x | 0.3% |
| 2021 | $0.12 | 0.0% | 4 | $3.71 | 3.2% | 30.92x | 0.3% |
| 2020 | $0.12 | 0.0% | 4 | $1.43 | 8.4% | 11.92x | 0.3% |
| 2019 | $0.12 | 0.0% | 4 | $0.44 | 27.3% | 3.67x | 0.3% |
| 2018 | $0.12 | 20.0% | 4 | $1.24 | 9.7% | 10.33x | 0.3% |
| 2017 | $0.10 | 42.9% | 4 | $2.65 | 3.8% | 26.50x | 0.2% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
11+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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LOB — Frequently Asked Questions
Quick answers to the most common questions about buying LOB stock.
How much dividend does LOB pay per share?
Live Oak Bancshares, Inc. (LOB) pays a trailing 12-month dividend of $0.12 per share, with a current dividend yield of +0.3%. Payments are made Semi-Annual.
When is LOB's next ex-dividend date?
LOB's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. LOB typically pays dividends Semi-Annual.
Is LOB's dividend safe?
LOB's dividend safety is rated "Sustainable" based on an earnings payout ratio of +5.3% and FCF payout ratio of +4.3%. The dividend history does not yet show a prolonged growth streak.
How many years has LOB increased its dividend?
LOB has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +0.0%.
How often does LOB pay dividends?
Live Oak Bancshares, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.12 per share. Dividend data on this page covers 11+ years from 2015 to 2026.
How much would $10,000 invested in LOB grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in LOB five years ago would be worth approximately $6,639 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is LOB's yield on cost for long-term holders?
LOB's yield on cost — the current dividend divided by the original purchase price — is +0.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +0.3% market yield, thanks to the lower original cost basis.