Live Oak Bancshares, Inc. (LOB) Stock Total Returns

Growth of $10,000 chart

2021-04-14 to 2026-04-14
to
$
%
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Investment Performance

Final Value
$5,303
Total Return
-46.97%
CAGR
-11.92%
Dividends
$86.26
Yield on Cost
0.86%

Rolling Returns

1-Month (21 Trading Days)
Average-0.09%
Median-2.17%
Best+48.65%
Worst-39.18%
% of Windows Positive44.1%
1-Year (252 Trading Days)
Average-8.75%
Median-13.90%
Best+75.40%
Worst-68.74%
% of Windows Positive33.4%
3-Year (756 Trading Days)
Average-20.82%
Median-27.48%
Best+52.62%
Worst-58.51%
% of Windows Positive29.1%

Risk Metrics

Maximum Drawdown -79.43%
Average Drawdown -55.16%
Drawdown Duration 1111 Trading Days (Unrecovered)
Sortino Ratio -0.03
Calmar Ratio -0.15
CVaR (5%) -6.87%

Yearly Returns

Year Percentage Abs. Return Dividends Taxes Trans. Costs
2026 partial +6.68% (+25.50% ann.) +$668.01 $8.73 $1.75 $0.02
2025 -12.89% $1288.81 $30.38 $6.08 $0.06
2024 -12.87% $1286.68 $26.40 $5.28 $0.05
2023 +51.13% +$5113.34 $39.78 $7.96 $0.07
2022 -65.32% $6531.79 $13.76 $2.75 $0.03
2021 +84.20% +$8419.57 $25.30 $5.06 $0.05
2020 +150.86% +$15085.82 $63.26 $12.66 $0.12
2019 +29.08% +$2907.55 $81.21 $16.23 $0.15
2018 -37.66% $3766.31 $50.38 $10.07 $0.10
2017 +29.37% +$2936.97 $54.12 $10.83 $0.10
2016 +30.77% +$3076.75 $49.39 $9.87 $0.09
2015 partial -25.47% (-48.66% ann.) $2546.64 $10.49 $2.10 $0.02

Market Regimes

Regime Period Percentage Annual Abs. Return Dividends Taxes Trans. Costs
Secular stagnation / QE / low inflation / duration bull partial July 23, 2015 – February 19, 2020 -3.24% -0.72% $324.15 $227.40 $45.48 $0.43
Pandemic shock / liquidity crash February 20, 2020 – March 23, 2020 -50.84% -99.97% $5083.85 $16.47 $3.29 $0.03
Policy bazooka / monetary euphoria March 24, 2020 – November 6, 2020 +289.34% +790.95% +$28933.86 $58.87 $11.78 $0.11
Reopening reflation / fiscal boom / supply bottlenecks November 9, 2020 – November 29, 2021 +126.71% +117.39% +$12670.94 $36.76 $7.35 $0.07
Inflation shock / duration crash / aggressive tightening November 30, 2021 – November 9, 2022 -65.80% -67.99% $6580.11 $10.11 $2.02 $0.02
Disinflation rebound / AI-led narrow bull / higher-for-longer November 10, 2022 – September 17, 2024 +44.10% +21.79% +$4409.92 $71.85 $14.37 $0.13
Disinflationary easing / resilient growth / AI capex under oil-shock test partial September 18, 2024 – April 14, 2026 -24.23% -16.21% $2422.64 $37.15 $7.43 $0.07

Dividend History

Annual Dividends Per Share
TTM Yield
Consecutive Years Paid
current
Consecutive Years of Growth
current

Date Per Share Yield %
2015-09-23 $0.0100 0.05%
2015-12-28 $0.0100 0.07%
2016-02-26 $0.0200 0.15%
2016-06-03 $0.0100 0.06%
2016-08-30 $0.0200 0.14%
2016-12-12 $0.0200 0.11%
2017-03-08 $0.0200 0.09%
2017-05-19 $0.0200 0.08%
2017-08-17 $0.0300 0.13%
2017-11-10 $0.0300 0.13%
2018-02-23 $0.0300 0.11%
2018-05-25 $0.0300 0.10%
2018-09-10 $0.0300 0.10%
2018-11-30 $0.0300 0.16%
2019-02-25 $0.0300 0.18%
2019-05-24 $0.0300 0.19%
2019-09-09 $0.0300 0.17%
2019-12-02 $0.0300 0.16%
2020-02-24 $0.0300 0.17%
2020-05-22 $0.0300 0.23%
2020-09-04 $0.0300 0.13%
2020-11-30 $0.0300 0.07%
2021-03-08 $0.0300 0.06%
2021-05-24 $0.0300 0.05%
2021-09-03 $0.0300 0.05%
2021-11-26 $0.0300 0.03%
2022-02-28 $0.0300 0.05%
2022-05-27 $0.0300 0.08%
2022-09-02 $0.0300 0.09%
2022-11-28 $0.0300 0.09%
2023-02-27 $0.0300 0.09%
2023-06-06 $0.0300 0.13%
2023-09-01 $0.0300 0.09%
2023-11-27 $0.0300 0.09%
2024-02-26 $0.0300 0.08%
2024-06-04 $0.0300 0.09%
2024-09-03 $0.0300 0.07%
2024-12-02 $0.0300 0.06%
2025-02-25 $0.0300 0.09%
2025-06-03 $0.0300 0.11%
2025-09-02 $0.0300 0.08%
2025-12-02 $0.0300 0.09%
2026-03-05 $0.0300 0.08%
Total 43 payments

Portfolio Dividend Returns

Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-14 to 2026-04-14. Change
Date Total Yield Tax Trans. Cost Shares Bought
2021-05-24 $4.29 $0.86 $0.0080 0.0570
2021-09-03 $4.29 $0.86 $0.0080 0.0573
2021-11-26 $4.29 $0.86 $0.0080 0.0373
2022-02-28 $4.29 $0.86 $0.0080 0.0536
2022-05-27 $4.30 $0.86 $0.0080 0.0858
2022-09-02 $4.30 $0.86 $0.0080 0.1014
2022-11-28 $4.30 $0.86 $0.0080 0.1099
2023-02-27 $4.30 $0.86 $0.0080 0.0986
2023-06-06 $4.31 $0.86 $0.0080 0.1363
2023-09-01 $4.31 $0.86 $0.0080 0.1065
2023-11-27 $4.31 $0.86 $0.0080 0.1072
2024-02-26 $4.32 $0.86 $0.0080 0.0884
2024-06-04 $4.32 $0.86 $0.0080 0.1050
2024-09-03 $4.32 $0.86 $0.0080 0.0812
2024-12-02 $4.33 $0.87 $0.0080 0.0734
2025-02-25 $4.33 $0.87 $0.0080 0.1071
2025-06-03 $4.33 $0.87 $0.0080 0.1248
2025-09-02 $4.34 $0.87 $0.0080 0.0921
2025-12-02 $4.34 $0.87 $0.0080 0.1077
2026-03-05 $4.34 $0.87 $0.0080 0.0973
Total $86.26 $17.25 $0.16 1.8278

All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.

For each rolling window, returns are calculated at every possible starting point:

return = (value[i] ÷ value[i − windowSize] − 1) × 100

Windows
1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
Statistics
Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.

The series is segmented by calendar year:

return = (endValue ÷ startValue − 1) × 100

startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.

KRUS

CAGR 18.38% Total 209.89% Final $30,989
2019-08-01 — 2026-04-14
STEL

CAGR 4.61% Total 46.21% Final $14,621
2017-11-08 — 2026-04-14
CDNL

CAGR 796.47% Total 111.83% Final $21,183
2025-12-10 — 2026-04-14