Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Live Oak BancsharesLOB +0.80%70 Shareholder Yield % is 0.81% as of Mar. 2026, which is 22% below its 10-year median of 1.04. 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 1,501 Banks companies, Live Oak Bancshares ranks worse than 53.83% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Live Oak Bancshares's Shareholder Yield % was 0.81%.
Live Oak Bancshares (NYSE:LOB) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Live Oak Bancshares Shareholder Yield % Related Terms
Live Oak Bancshares Shareholder Yield % Historical Data
* Premium members only.
The historical data trend for Live Oak Bancshares's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Live Oak Bancshares's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Live Oak Bancshares's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Live Oak Bancshares's Shareholder Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Live Oak Bancshares (LOB) has a Shareholder Yield % of 0.81% as of Mar. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Live Oak Bancshares and its competitors. This is 22% below median its historical median of 1.04. According to the industry distribution chart, Live Oak Bancshares ranks #808 out of 1501 companies in the Banks industry, placing it in the top 53.8%.
Is Live Oak Bancshares' Shareholder Yield % too high?
Live Oak Bancshares' current Shareholder Yield % of 0.81% is 22% below median its 10-year median of 1.04. The Banks industry median Shareholder Yield % is 1.51. Live Oak Bancshares' value of 0.81% is 46.4% below this industry median. Based on the distribution chart, Live Oak Bancshares ranks #808 out of 1501 companies in the Banks industry, which is below the industry midpoint. 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' Shareholder Yield % compare to NBHC and CHCO?
According to the Banks industry distribution chart, Live Oak Bancshares ranks #808 out of 1501 companies for Shareholder Yield %. This places Live Oak Bancshares in the lower half of its industry. The industry median Shareholder Yield % is 1.51. Live Oak Bancshares' value of 0.81% is 46.4% below this benchmark. While the company's 10-year median is 1.04 vs. the industry median of 1.51, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.51, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Live Oak Bancshares's current Shareholder Yield % of 0.81% is 46.4% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Live Oak Bancshares and its competitors. For the Banks industry, the median Shareholder Yield % is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Live Oak Bancshares's current Shareholder Yield % is 0.81%, which is 22% below median its own 10-year median of 1.04. 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 $42.80 — trading 0.8% below its estimated fair value. The current Shareholder Yield % is 0.81%, which is 22% below median its 10-year median of 1.04 and 46.4% below the Banks industry median of 1.51. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Live Oak Bancshares (LOB), the current Shareholder Yield % is 0.81% 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 $42.80 is trading 0.8% below its estimated GF Value™ of $43.14.
GuruFocus considers Live Oak Bancshares to be Fairly Valued.
Key valuation signals for LOB:
Shareholder Yield %: 0.81% (22% below median its 10-year median of 1.04)
GF Value™: $43.14 vs. price of $42.80 (0.8% below fair value)
Industry Position: 46.4% below the Banks median (#808 of 1501)
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
Shareholder Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LOB has been successfully added to your 
