Lakeland Financial (LKFN) vs Live Oak Bancshares (LOB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Live Oak Bancshares (LOB) has outperformed Lakeland Financial (LKFN) over the past year, losing 3.9% versus a loss of 9.8%. Over five years, LKFN leads with a -24.5% price change compared with -51.2% for LOB. Live Oak Bancshares is the larger company by market cap ($1.60 billion vs $1.41 billion), about 1.1 times the size, while Lakeland Financial is growing revenue faster (+6.1% vs +1.1%).
On valuation, Live Oak Bancshares trades at a lower forward P/E (8.2x vs 12.6x for Lakeland Financial). Lakeland Financial offers the higher dividend yield (3.62% vs 0.35%). Live Oak Bancshares converts more of its revenue into profit, with a net margin of 1114.4% versus 38.4%.
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 | LKFN | LOB |
|---|---|---|
| Share price | $56.84 | $34.48 |
| Market cap | $1.41B | $1.60B |
| 1-day change | -1.06% | -0.26% |
| YTD return | -0.39% | +0.38% |
| 1-year return | -9.76% | -3.88% |
| 5-year return | -24.51% | -51.20% |
| P/E ratio (TTM) | 13.04 | 12.10 |
| Forward P/E | 12.61 | 8.17 |
| EPS (TTM) | $4.36 | $2.85 |
| Dividend yield | 3.62% | 0.35% |
| Annual dividend | $2.06 | $0.12 |
| Revenue (latest FY) | $268.99M | $9.50M |
| Revenue growth (YoY) | +6.10% | +1.06% |
| Net income (latest FY) | $103.36M | $105.87M |
| Net margin | 38.43% | 1114.43% |
| 52-week high | $64.55 | $44.53 |
| 52-week low | $54.36 | $29.36 |
| Distance from 52-week high | -11.94% | -22.57% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +17.00% | +23.98% |
| Average volume | 173.54K | 221.04K |
| Shares outstanding | 24.86M | 46.28M |
| Employees | 695 | 1,027 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- Lakeland Financial offers a meaningfully higher dividend yield (3.62% vs 0.35%).
- Live Oak Bancshares is more profitable, keeping 1114.4 cents of every revenue dollar as net income versus 38.4 cents for Lakeland Financial.
- Lakeland Financial grew revenue faster in its latest fiscal year (+6.10% vs +1.06%).
About Lakeland Financial
LKFN stock →Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides various banking products and services in the United States. The company accepts various deposit products, such as noninterest bearing, interest-bearing checking, savings, money market, NOW, and demand deposits.
Finance · Major Banks · 695 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.
Finance · Major Banks · 1,027 employees
LKFN vs LOB FAQ
Which is bigger, Lakeland Financial or Live Oak Bancshares?
Live Oak Bancshares (LOB) is larger, with a market capitalization of $1.60B compared with $1.41B for Lakeland Financial (LKFN).
Which stock has performed better over the past year, LKFN or LOB?
LOB returned -3.88% over the past 12 months, compared with -9.76% for LKFN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, LKFN or LOB?
LOB has the lower trailing P/E at 12.1, versus 13.0 for LKFN. 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, Lakeland Financial or Live Oak Bancshares?
Lakeland Financial has the higher yield at 3.62%, compared with 0.35% for Live Oak Bancshares.
Are Lakeland Financial and Live Oak Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.