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Live Oak Bancshares, Inc. (LOB) Total Return Calculator with Dividends Reinvested

Live Oak Bancshares, Inc.

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The total return for Live Oak Bancshares, Inc. (LOB) stock is +46.22% over the past 12 months. So far it's up 8.47% this year. The 5-year total return is -43.08%, meaning $10,000 invested in LOB stock 5 years ago would be worth $5,692 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in LOB 1 year ago, it would be worth $14,184 today — you'd have gained $4,184 with dividends reinvested.

With Dividends Reinvested$14,184+41.84%

Price Only (No DRIP)$14,132+41.32%

Dividend Boost+$524 payments · +0.52% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in LOB

1Y$14,622+$4,622 (+46.2%)46.2% CAGR

3Y$18,312+$8,312 (+83.1%)22.3% CAGR

5Y$5,692-$4,308 (-43.1%)-10.7% CAGR

10Y$24,240+$14,240 (+142.4%)9.3% CAGR

15Y$20,346+$10,346 (+103.5%)4.8% CAGR

20Y$20,346+$10,346 (+103.5%)3.6% CAGR

30Y$20,346+$10,346 (+103.5%)2.4% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-03	$0.03	$27.71	+0.001083
2025-09-02	$0.03	$37.58	+0.000799
2025-12-02	$0.03	$32.17	+0.000934
2026-03-05	$0.03	$35.64	+0.000844

Loading LOB total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+8.47%	—	+8.38%	+0.09 pp	$10,847
1Y	+46.22%	46.22%	+45.76%	+0.46 pp	$14,622
3Y	+83.12%	22.34%	+81.39%	+1.74 pp	$18,312
5Y	-43.08%	-10.66%	-43.98%	+0.89 pp	$5,692
10Y	+142.40%	9.26%	+135.27%	+7.13 pp	$24,240
15Y	+103.46%	4.85%	+97.27%	+6.19 pp	$20,346
20Y	+103.46%	3.62%	+97.27%	+6.19 pp	$20,346
30Y	+103.46%	2.40%	+97.27%	+6.19 pp	$20,346

Risk & Highlights

Best Year+150.95%2020

Worst Year-65.23%2022

Max Drawdown-24.04%2025-08-28 → 2025-11-20 · Recovered 2026-01-21

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+4.58%	+4.49%	+0.1pp	+0.41%	+4.2pp
2025	-10.56%	-10.87%	+0.3pp	+16.64%	-27.2pp
2024	-11.57%	-11.84%	+0.3pp	+24.00%	-35.6pp
2023	+50.31%	+49.92%	+0.4pp	+24.81%	+25.5pp
2022	-65.23%	-65.36%	+0.1pp	-19.95%	-45.3pp

LOB outperformed the S&P 500 by 15.85pp over the past year (+46.22% vs +30.37%).

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LOB Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
LOBLive Oak Bancshares, Inc.	$1.7B	+10.5%	+8.5%	+46.2%	+0.5pp	+83.1%	-43.1%	+142.4%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.1%	+8.5%	-3.2%	+2.2pp	+29.1%	-28.2%	+145.4%
TCBKTriCo Bancshares	$1.6B	+3.8%	+8.5%	+33.5%	+3.6pp	+78.3%	+21.6%	+129.4%
SMBCSouthern Missouri Bancorp, Inc.	$773M	+5.5%	+19.2%	+34.5%	+1.9pp	+127.9%	+69.7%	+209.1%
BSVNBank7 Corp.	$416M	+5.5%	+6.9%	+22.0%	+2.8pp	+97.5%	+178.4%	+155.9%
BYFCBroadway Financial Corporation	$92M	+29.8%	+29.3%	+52.8%	—	+30.9%	-33.2%	-37.6%
NBTBNBT Bancorp Inc.	$2.4B	+2.5%	+9.3%	+9.0%	+3.4pp	+54.1%	+29.9%	+102.2%
SBCFSeacoast Banking Corporation of Florida	$3.0B	-0.1%	-1.2%	+31.5%	+3.1pp	+67.4%	-10.7%	+121.9%
HONEHarborOne Bancorp, Inc.	$522M	—	—	+7.9%	+1.6pp	+58.9%	-5.8%	+88.3%
LPROOpen Lending Corporation	$192M	+28.6%	+3.8%	+4.5%	—	-78.2%	-95.8%	-83.2%
ENVAEnova International, Inc.	$4.3B	+23.4%	+6.5%	+87.8%	—	+302.0%	+368.1%	+2034.9%

Compare:LOB vs FFIN LOB vs TCBK LOB vs SMBC LOB vs FFIN vs TCBK

About LOB Dividend Returns

Live Oak Bancshares, Inc. (LOB) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of LOB over the past year?

Live Oak Bancshares, Inc. (LOB) delivered a total return of 46.22% over the past year when dividends are reinvested. The price-only return was 45.76%, meaning dividends contributed an additional 0.46 percentage points to total returns.

Q2How much would $10,000 invested in LOB be worth today?

A $10,000 investment in Live Oak Bancshares, Inc. one year ago would be worth $14,622 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $14,576. Dividend reinvestment added $46 to the portfolio value.

Q3Does LOB pay dividends?

Yes, Live Oak Bancshares, Inc. (LOB) pays dividends. In the last year, LOB paid approximately $0.12 per share in dividends (0.32% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did LOB beat the S&P 500?

Yes, Live Oak Bancshares, Inc. (LOB) outperformed the S&P 500 by 15.85 percentage points over the past year. LOB delivered a total return of 46.22%, compared to the S&P 500's 30.37%. This 15.85pp alpha means investors in LOB earned more than a passive S&P 500 index fund.

Q5What is LOB's worst drawdown?

Live Oak Bancshares, Inc. (LOB) experienced a maximum drawdown of -24.04% over the past year, declining from its peak on 2025-08-28 to its trough on 2025-11-20. The stock recovered to its prior peak by 2026-01-21. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is LOB's long-term total return over 10, 20, or 30 years?

Here are Live Oak Bancshares, Inc. (LOB)'s long-term returns with dividends reinvested. Over 10 years, the total return is 142.4% (9.3% CAGR) — $10,000 would have grown to $24,240. Over 20 years: 103.5% total return (3.6% CAGR) — $10,000 → $20,346. Over 30 years: 103.5% total return (2.4% CAGR) — $10,000 → $20,346. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was LOB's best and worst year?

Live Oak Bancshares, Inc.'s best calendar year was 2020 with a total return of 150.9%. Its worst year was 2022 with a total return of -65.2%. This range shows the volatility investors should expect — the difference between the best and worst year is 216.2 percentage points.