HSBC vs LOB: Which Is the Better Dividend Stock?
As of August 2026, LOB (Live Oak Bancshares, Inc.) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.62%, LOB has the higher dividend-safety score, and LOB trades at the larger discount to fair value (+152%).
| Metric | HSBC | LOB |
|---|---|---|
| Forward yield | 3.62% | 0.30% |
| Annual dividend | $3.75 | $0.12 |
| Payout ratio | 54% | 4% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | 0.0% |
| 5-yr total return | 296% | -37% |
| Dividend safety score | 72 (B) | 88 (A) |
| Fair value estimate | $136.35 | $101.29 |
| Upside to fair value | +32% | +152% |
| Frequency | quarterly | quarterly |
| Market cap | $354.7B | $1.9B |
| P/E ratio | 14.8 | 14.0 |
Higher yield
HSBC
3.62%
Safer dividend
LOB
Grade A
Faster growth
LOB
0.0%
Better value
LOB
+152% upside
HSBC vs LOB — FAQ
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