First Mid Bancshares (FMBH) vs Live Oak Bancshares (LOB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
First Mid Bancshares (FMBH) has outperformed Live Oak Bancshares (LOB) over the past year, gaining 33.8% versus a loss of 3.5%. Over five years, FMBH leads with a +16.8% price change compared with -51.1% for LOB. Live Oak Bancshares is the larger company by market cap ($1.60 billion vs $1.31 billion), about 1.2 times the size.
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.2x vs 9.9x for First Mid Bancshares). First Mid Bancshares offers the higher dividend yield (2.03% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FMBH | LOB |
|---|---|---|
| Share price | $49.24 | $34.57 |
| Market cap | $1.31B | $1.60B |
| 1-day change | +0.78% | +0.90% |
| YTD return | +26.26% | +0.64% |
| 1-year return | +33.84% | -3.52% |
| 5-year return | +16.82% | -51.07% |
| P/E ratio (TTM) | 12.22 | 12.13 |
| Forward P/E | 9.91 | 8.19 |
| EPS (TTM) | $4.03 | $2.85 |
| Dividend yield | 2.03% | 0.35% |
| Annual dividend | $1.00 | $0.12 |
| 52-week high | $53.36 | $44.53 |
| 52-week low | $34.16 | $29.36 |
| Distance from 52-week high | -7.72% | -22.37% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +14.46% | +23.66% |
| Average volume | 133.09K | 220.47K |
| Shares outstanding | 26.60M | 46.28M |
| Employees | 1,316 | 1,027 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FMBH has outperformed LOB by 37.4 percentage points over the past year.
- First Mid Bancshares offers a meaningfully higher dividend yield (2.03% vs 0.35%).
About First Mid Bancshares
FMBH stock →First Mid Bancshares, Inc., a financial holding company, provides community banking products and services to commercial, retail, and agricultural customers in the United States. It accepts various deposit products, such as demand deposits, savings accounts, money market deposits, and time deposits.
Financial Services · Banks - Regional · 1,316 employees
About Live Oak Bancshares
LOB stock →Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States.
Financial Services · Banks - Regional · 1,027 employees
FMBH vs LOB FAQ
Which is bigger, First Mid Bancshares or Live Oak Bancshares?
Live Oak Bancshares (LOB) is larger, with a market capitalization of $1.60B compared with $1.31B for First Mid Bancshares (FMBH).
Which stock has performed better over the past year, FMBH or LOB?
FMBH returned +33.84% over the past 12 months, compared with -3.52% for LOB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FMBH or LOB?
LOB has the lower trailing P/E at 12.1, versus 12.2 for FMBH. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Mid Bancshares or Live Oak Bancshares?
First Mid Bancshares has the higher yield at 2.03%, compared with 0.35% for Live Oak Bancshares.
Are First Mid Bancshares and Live Oak Bancshares in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.