Live Oak Bancshares, Inc.
LOBFinancial Services · Stock · quarterly payer
Forward Yield
0.30%
Annual Dividend
$0.12
Payout Ratio
4%
5-Yr Growth
0.0%
Ex-Date
Sep 1, 2026
Frequency
Quarterly
Summary
As of August 2026, Live Oak Bancshares, Inc. (LOB) yields 0.30% ($0.12 per share annually), with a blended fair-value estimate of $101.29 — +152% upside, so it screens as undervalued. Dividend safety grade: A (88/100).
Is LOB a good dividend stock?
YesLive Oak Bancshares, Inc. (LOB) pays a quarterly dividend yielding 0.30% ($0.12/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (4%)
- Top-tier dividend safety score
Risks
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 0.30%
- Payout Ratio
- 4%
- Annual Dividend
- $0.12
- 5-Yr Avg Growth
- 0.0%
- Ex-Dividend Date
- Sep 1, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 1.88
- Market Cap
- $1.9B
- P/E Ratio
- 14.0
- 5-Yr Total Return
- -37%
- 52-Week Range
- $29.36 – $44.53
- Dividend Safety
- A · 88/100
- Ever Cut?
- No
Frequently Asked Questions
LOB Price — Last 12 Months
Daily close
Price Return
1 Year
+14%
3 Years
+39%
5 Years
-37%
52-Week Range
$29.36 – $44.53
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is LOB worth?
Undervaluedlow confidenceOur blended fair-value estimate for Live Oak Bancshares, Inc. is $101.29 per share, versus a market price of $40.13. That implies 152% of upside — a margin of safety of about 60%.
Fair Value
$101.29
Current Price
$40.13
Upside
+152%
Margin of Safety
60%
How we get there
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 15.9% — below our estimate, leaving room for upside if the business executes.
Assumptions: 12.0% discount rate (CAPM), 15.9% stage-1 growth, 2.5% terminal growth, $2.87 EPS, $0.12 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
LOB Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 2, 2026 | — | $0.0300 | regular |
| Mar 5, 2026 | — | $0.0300 | regular |
| Dec 2, 2025 | — | $0.0300 | regular |
| Sep 2, 2025 | — | $0.0300 | regular |
| Jun 3, 2025 | — | $0.0300 | regular |
| Feb 25, 2025 | — | $0.0300 | regular |
| Dec 2, 2024 | — | $0.0300 | regular |
| Sep 3, 2024 | — | $0.0300 | regular |
| Jun 4, 2024 | — | $0.0300 | regular |
| Feb 26, 2024 | — | $0.0300 | regular |
| Nov 27, 2023 | — | $0.0300 | regular |
| Sep 1, 2023 | — | $0.0300 | regular |
| Jun 6, 2023 | — | $0.0300 | regular |
| Feb 27, 2023 | — | $0.0300 | regular |
Income Calculator
At $0.12 / yr per share
