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Live Oak BancsharesLOB +0.21%70 Dividend Payout Ratio is 0.05 as of Mar. 2026, which is 38% below its 10-year median of 0.08. GuruFocus rates LOB with a GF Score™ of 70/100 and a GF Value™ of $43.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,173 Banks companies, Live Oak Bancshares ranks better than 98.64% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Live Oak Bancshares's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.05.
The historical rank and industry rank for Live Oak Bancshares's Dividend Payout Ratio or its related term are showing as below:
LOB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.08 Max: 0.28
Current: 0.04
During the past 13 years, the highest Dividend Payout Ratio of Live Oak Bancshares was 0.28. The lowest was 0.03. And the median was 0.08.
LOB's Dividend Payout Ratio is ranked better than 98.64% of 1173
companies
in the Banks industry
Industry Median: 0.32
vs LOB: 0.04
During the past 10 years, the average Dividends Per Share Growth Rate was 11.20% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Live Oak Bancshares was 81.70% per year. The lowest was 0.00% per year. And the median was 0.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Live Oak Bancshares (NYSE:LOB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Live Oak Bancshares Dividend Payout Ratio Related Terms
Live Oak Bancshares Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's Dividend Payout Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LOB vs NBHC, CHCO, STBA: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Live Oak Bancshares Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Dividend Payout Ratio falls into.
Live Oak Bancshares Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Live Oak Bancshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Live Oak Bancshares (LOB) has a Dividend Payout Ratio of 0.05 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Live Oak Bancshares and its competitors. This is 38% below median its historical median of 0.08. Over the past decade, Live Oak Bancshares' Dividend Payout Ratio has ranged from 0.03 to 0.28. According to the industry distribution chart, Live Oak Bancshares ranks #16 out of 1173 companies in the Banks industry, placing it in the top 1.4%.
Is Live Oak Bancshares' Dividend Payout Ratio too high?
Live Oak Bancshares' current Dividend Payout Ratio of 0.05 is 38% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.28. The Banks industry median Dividend Payout Ratio is 0.32. Live Oak Bancshares' value of 0.05 is 84.4% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #16 out of 1173 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Live Oak Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Live Oak Bancshares' Dividend Payout Ratio compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #16 out of 1173 companies for Dividend Payout Ratio. This places Live Oak Bancshares in the top 1% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Live Oak Bancshares' value of 0.05 is 84.4% below this benchmark. Historically, Live Oak Bancshares' own Dividend Payout Ratio has ranged from 0.03 to 0.28 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.32, Live Oak Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Dividend Payout Ratio of 0.05 is 84.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Dividend Payout Ratio is 0.05, which is 38% below median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Live Oak Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Live Oak Bancshares (LOB) is currently considered Fairly Valued. The stock's GF Value™ is $43.14, compared to a current price of $42.55 — trading 1.4% below its estimated fair value. The current Dividend Payout Ratio is 0.05, which is 38% below median its 10-year median of 0.08 and 84.4% below the Banks industry median of 0.32. Live Oak Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Dividend Payout Ratio is 0.05 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Live Oak Bancshares (LOB) Overvalued in 2026?
Based on GuruFocus' analysis, Live Oak Bancshares stock appears to be undervalued.
The current stock price of $42.55 is trading 1.4% below its estimated GF Value™ of $43.14.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Dividend Payout Ratio: 0.05 (38% below median its 10-year median of 0.08)
GF Value™: $43.14 vs. price of $42.55 (1.4% below fair value)
Industry Position: 84.4% below the Banks median (#16 of 1173)
No single metric tells the full story. See the LOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
70GF Score
Get the complete analysis for LOB
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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