LOB vs BFC: Earnings, Dividends & Valuation

Live Oak Bancshares Inc. LOB | NYSE

$35.14 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $1.63 B

PE Ratio: 12.51

52-Week Range: $29.36 - $44.53

10-year Total Return: +108.5%

Dividend Yield (FWD): 0.34%

Bank First Corporation BFC | NASDAQ

$149.78 $0.00 | 0.00%

Dividend Safety RatingUnlock

Market Cap: $1.66 B

PE Ratio: 18.7

52-Week Range: $119.08 - $159.1

10-year Total Return: +491.0%

Dividend Yield (FWD): 1.74%

10-year Total Returns with DRIP & Price Chart for LOB and BFC

1Y 2Y 5Y 10Y All

10-yr Total Returns LOB vs BFC

	LOB	BFC
Initial Balance	$10,000	$10,000
Initial Price	$17.4	$30.1
Initial Shares	574.71	332.23

Total Dividends	$544	$5,277
Last Dividend	$0.03	$0.6
Estimated Divs	$18 / quarter	$237 / quarter
Yield-on-Cost	0.69%	7.97%
End Shares	593.29 (+18.58)	394.58 (+62.35)
Last Shares Price	$35.14	$149.78
Total End Value	$20,848	$59,100
Total Return	+108.5%	+491.0%
Comparison start date: Nov 14, 2016

LOB & BFC Dividend Charts

Dividend Payments & Yield - LOB

LOB Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 4.14%

Dividend Payments & Yield - BFC

BFC Dividend CAGR:1Y: 25.98%2Y: 15.48%5Y: 22.20%10Y: 14.13%

Dividend Payout Ratio - LOB

Dividend Payout Ratio - BFC

Dividend to Free Cash Flow (FCF) Ratio - LOB

Dividend to Free Cash Flow (FCF) Ratio - BFC

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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:

LOB - Revenue

LOB Revenue CAGR:1Y: 112.08%2Y: N/A5Y: N/A10Y: N/A

BFC - Revenue

BFC Revenue CAGR:1Y: 100.73%2Y: 21.98%5Y: 26.62%10Y: 21.84%

LOB - Earnings Per Share (EPS)

LOB EPS CAGR:1Y: -5.45%2Y: N/A5Y: N/A10Y: N/A

BFC - Earnings Per Share (EPS)

BFC EPS CAGR:1Y: 17.49%2Y: 14.15%5Y: 8.05%10Y: 13.61%

LOB - Net Income

LOB Net Income CAGR:1Y: -0.43%2Y: N/A5Y: N/A10Y: N/A

BFC - Net Income

BFC Net Income CAGR:1Y: 32.35%2Y: 19.93%5Y: 16.43%10Y: 20.30%

LOB - EBITDA

LOB EBITDA CAGR:1Y: -18.54%2Y: N/A5Y: N/A10Y: N/A

BFC - EBITDA

BFC EBITDA CAGR:1Y: 22.99%2Y: 14.84%5Y: 13.92%10Y: 0.00%

LOB - Free Cash Flow

LOB Free Cash Flow CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

BFC - Free Cash Flow

BFC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LOB - Free Cash Flow / Share

LOB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A

BFC - Free Cash Flow / Share

BFC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

LOB - Shares Outstanding

LOB Shares Outstanding CAGR:1Y: 1.41%2Y: N/A5Y: N/A10Y: N/A

BFC - Shares Outstanding

BFC Shares Outstanding CAGR:1Y: 12.71%2Y: 5.22%5Y: 7.77%10Y: 5.98%

LOB - Stock-Based Comp

LOB Stock-Based Comp CAGR:1Y: -100.00%2Y: N/A5Y: N/A10Y: N/A

BFC - Stock-Based Comp

BFC Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: N/A

LOB - Expenses

LOB Expenses CAGR:1Y: -11.89%2Y: N/A5Y: N/A10Y: N/A

BFC - Expenses

BFC Expenses CAGR:1Y: 30.92%2Y: 23.88%5Y: 14.00%10Y: 38.72%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

LOB - REVENUE: Actual + Estimates

LOB Actual Revenue CAGR:1Y: 112.08%2Y: N/A5Y: N/A10Y: N/A

BFC - REVENUE: Actual + Estimates

BFC Actual Revenue CAGR:1Y: 100.73%2Y: 21.98%5Y: 26.62%10Y: 21.84%

LOB - EPS: Actual + Estimates

LOB Actual EPS CAGR:1Y: -5.45%2Y: N/A5Y: N/A10Y: N/A

BFC - EPS: Actual + Estimates

BFC Actual EPS CAGR:1Y: 17.49%2Y: 14.15%5Y: 8.05%10Y: 13.61%

LOB - NET INCOME: Actual + Estimates

LOB Actual Net Income CAGR:1Y: -0.43%2Y: N/A5Y: N/A10Y: N/A

BFC - NET INCOME: Actual + Estimates

BFC Actual Net Income CAGR:1Y: 32.35%2Y: 19.93%5Y: 16.43%10Y: 20.30%

LOB - EBITDA: Actual + Estimates

LOB Actual EBITDA CAGR:1Y: -18.54%2Y: N/A5Y: N/A10Y: N/A

BFC - EBITDA: Actual + Estimates

BFC Actual EBITDA CAGR:1Y: 22.99%2Y: 14.84%5Y: 13.92%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

LOB - Net Profit Margin

LOB Net Profit Margin CAGR:1Y: -15.01%2Y: N/A5Y: N/A10Y: N/A

BFC - Net Profit Margin

BFC Net Profit Margin CAGR:1Y: -7.65%2Y: -1.69%5Y: -8.05%10Y: -1.26%

LOB - Gross Profit Margin

LOB Gross Profit Margin CAGR:1Y: -13.95%2Y: N/A5Y: N/A10Y: N/A

BFC - Gross Profit Margin

BFC Gross Profit Margin CAGR:1Y: 6.72%2Y: 4.54%5Y: -5.59%10Y: -2.83%

LOB - Price to Earnings

BFC - Price to Earnings

LOB - Price To Sales Ratio

BFC - Price To Sales Ratio

LOB - Return on Capital Employed

BFC - Return on Capital Employed

LOB - Return on Invested Capital

BFC - Return on Invested Capital

Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:

LOB - EPS vs PE Ratio

BFC - EPS vs PE Ratio

LOB - FCF vs FCF/Share

BFC - FCF vs FCF/Share

LOB - EPS vs FCF per Share

BFC - EPS vs FCF per Share

LOB - FCF vs Stock Based Comp

BFC - FCF vs Stock Based Comp

LOB - Revenue vs Net Income

BFC - Revenue vs Net Income

LOB - Cash & Debt

BFC - Cash & Debt

Dividend History Tables

LOB Dividends Info:

Estimated Annual Dividend: $0.12

Forward Yield: 0.34%

Ex-Dividend Date: 2026-09-01

Lifetime Dividends / Share: $1.24

LOB Dividend History: Dates, Payments & Yield list

Below is a schedule of all LOB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/01/2026	09/03/2026	$0.030	0.31%	0.3%	$39.56
06/02/2026	06/04/2026	$0.030	0.32%	0.32%	$37.58
03/05/2026	03/09/2026	$0.030	0.34%	0.36%	$33.40
12/02/2025	12/04/2025	$0.030	0.37%	0.37%	$32.83
09/02/2025	09/04/2025	$0.030	0.32%	0.31%	$38.65
06/03/2025	06/05/2025	$0.030	0.43%	0.44%	$27.27
02/25/2025	02/27/2025	$0.030	0.37%	0.38%	$31.64
12/02/2024	12/04/2024	$0.030	0.25%	0.26%	$47.01
09/03/2024	09/05/2024	$0.030	0.28%	0.29%	$41.80
06/04/2024	06/06/2024	$0.030	0.37%	0.37%	$32.63
02/26/2024	02/28/2024	$0.030	0.31%	0.31%	$39.01
11/27/2023	11/29/2023	$0.030	0.37%	0.36%	$33.15
09/01/2023	09/04/2023	$0.030	0.37%	0.39%	$30.54
06/06/2023	06/08/2023	$0.030	0.48%	0.47%	$25.33
02/27/2023	03/01/2023	$0.030	0.34%	0.35%	$34.00
11/28/2022	11/30/2022	$0.030	0.38%	0.36%	$33.35
09/02/2022	09/05/2022	$0.030	0.35%	0%	$0.00
05/27/2022	05/30/2022	$0.030	0.3%	0%	$0.00
02/28/2022	03/02/2022	$0.030	0.19%	0.19%	$63.38
11/26/2021	11/29/2021	$0.030	0.13%	0.13%	$92.42
09/03/2021	09/06/2021	$0.030	0.2%	0%	$0.00
05/24/2021	05/26/2021	$0.030	0.2%	0.2%	$59.41
03/08/2021	03/10/2021	$0.030	0.21%	0.2%	$59.04
11/30/2020	12/02/2020	$0.030	0.29%	0.28%	$43.04
09/04/2020	09/07/2020	$0.030	0.51%	0%	$0.00
05/22/2020	05/25/2020	$0.030	0.92%	0%	$0.00
02/24/2020	02/26/2020	$0.030	0.69%	0.72%	$16.66
12/02/2019	12/04/2019	$0.030	0.66%	0.66%	$18.11
09/09/2019	09/11/2019	$0.030	0.66%	0.64%	$18.79
05/24/2019	05/27/2019	$0.030	0.74%	0%	$0.00
02/25/2019	02/27/2019	$0.030	0.73%	0.73%	$16.36
11/30/2018	12/03/2018	$0.030	0.67%	0.67%	$18.03
09/10/2018	09/12/2018	$0.030	0.41%	0.42%	$28.50
05/25/2018	05/28/2018	$0.030	0.41%	0%	$0.00
02/23/2018	02/26/2018	$0.030	0.45%	0.45%	$26.45
11/10/2017	11/13/2017	$0.030	0.52%	0.51%	$23.65
08/17/2017	08/21/2017	$0.030	0.52%	0.54%	$22.15
05/19/2017	05/22/2017	$0.020	0.33%	0.33%	$24.60
03/08/2017	03/10/2017	$0.020	0.38%	0.37%	$21.90
12/12/2016	12/14/2016	$0.020	0.45%	0.45%	$17.75
08/30/2016	09/01/2016	$0.020	0.55%	0.59%	$13.67
06/03/2016	06/06/2016	$0.010	0.25%	0.25%	$15.99
02/26/2016	02/29/2016	$0.020	0.61%	0.6%	$13.24
12/28/2015	12/30/2015	$0.010	0.28%	0.28%	$14.10
09/23/2015	09/25/2015	$0.010	0.2%	0.2%	$19.80

BFC Dividends Info:

Estimated Annual Dividend: $2.6

Forward Yield: 1.74%

Ex-Dividend Date: 2026-12-23

Lifetime Dividends / Share: $17.95

BFC Dividend History: Dates, Payments & Yield list

Below is a schedule of all BFC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
12/23/2026	01/06/2027	$0.650	1.74%	0%	$0.00
09/23/2026	09/25/2026	$0.600	1.62%	1.58%	$152.13
06/24/2026	06/26/2026	$0.550	1.5%	1.49%	$147.91
03/25/2026	03/27/2026	$0.500	1.51%	1.52%	$131.93
12/24/2025	12/26/2025	$0.450	1.4%	1.42%	$126.93
09/24/2025	09/26/2025	$0.450	1.45%	1.45%	$124.37
06/25/2025	06/27/2025	$0.450	1.58%	1.52%	$118.47
05/09/2025	05/12/2025	$3.500	12.47%	12.24%	$114.36
03/26/2025	03/28/2025	$0.450	1.74%	1.78%	$101.16
12/23/2024	12/25/2024	$0.450	1.81%	1.86%	$96.85
09/25/2024	09/27/2024	$0.400	1.82%	1.81%	$88.20
06/26/2024	06/28/2024	$0.350	1.76%	1.7%	$82.59
03/26/2024	03/28/2024	$0.350	1.72%	1.62%	$86.67
12/26/2023	12/28/2023	$0.300	1.34%	1.36%	$88.38
09/19/2023	09/21/2023	$0.300	1.55%	1.53%	$78.38
06/20/2023	06/22/2023	$0.300	1.38%	1.42%	$84.30
03/21/2023	03/23/2023	$0.250	1.33%	1.37%	$73.26
12/20/2022	01/04/2023	$0.250	1.09%	1.1%	$91.00
09/20/2022	10/05/2022	$0.250	1.24%	1.27%	$78.52
06/21/2022	07/06/2022	$0.220	1.18%	1.14%	$77.40
03/22/2022	04/06/2022	$0.220	1.22%	1.24%	$71.25
12/21/2021	01/05/2022	$0.220	1.26%	1.22%	$72.27
09/21/2021	10/06/2021	$0.500	2.93%	2.81%	$71.10
06/22/2021	07/07/2021	$0.210	1.19%	1.22%	$68.94
03/23/2021	04/07/2021	$0.210	1.19%	1.18%	$71.30
12/22/2020	01/06/2021	$0.210	1.23%	1.24%	$67.77
09/22/2020	10/07/2020	$0.200	1.39%	1.33%	$60.01
06/22/2020	07/08/2020	$0.200	1.23%	1.26%	$63.50
03/20/2020	04/07/2020	$0.200	1.59%	1.35%	$59.25
12/20/2019	01/07/2020	$0.200	1.15%	1.18%	$67.92
09/23/2019	10/08/2019	$0.200	1.19%	1.21%	$65.86
06/21/2019	07/08/2019	$0.200	1.14%	1.16%	$68.85
03/22/2019	04/08/2019	$0.200	1.36%	1.36%	$58.90
12/20/2018	01/07/2019	$0.200	1.74%	1.7%	$47.00
09/20/2018	10/05/2018	$0.160	1.2%	1.17%	$54.75
06/28/2018	07/06/2018	$0.160	1.19%	1.19%	$54.00
03/27/2018	04/04/2018	$0.160	1.41%	1.33%	$48.00
12/27/2017	01/04/2018	$0.160	1.43%	1.46%	$43.75
09/25/2017	10/03/2017	$0.160	1.66%	1.66%	$38.50
06/27/2017	07/06/2017	$0.160	1.77%	1.77%	$36.25
03/24/2017	04/04/2017	$0.160	1.8%	1.83%	$35.00
12/23/2016	01/04/2017	$0.160	1.96%	1.93%	$33.16
09/26/2016	10/05/2016	$0.150	2%	2%	$29.99
06/27/2016	07/06/2016	$0.140	2%	2%	$28.00
03/21/2016	04/06/2016	$0.140	2.11%	2.07%	$27.00
12/21/2015	01/06/2016	$0.130	2.08%	2.03%	$25.65
09/16/2015	10/02/2015	$0.130	2.16%	2.16%	$24.10
06/17/2015	07/03/2015	$0.130	2.12%	0%	$0.00
03/18/2015	04/03/2015	$0.120	2.06%	0%	$0.00
01/07/2015	01/16/2015	$0.120	1.07%	1.09%	$22.05
09/17/2014	10/03/2014	$0.120	1.15%	1.17%	$20.60
06/18/2014	07/07/2014	$0.110	1.05%	2.11%	$20.85
03/19/2014	04/04/2014	$0.110	1.14%	1.13%	$19.50
12/18/2013	01/03/2014	$0.110	1.19%	1.18%	$18.60
09/18/2013	10/04/2013	$0.110	1.34%	1.35%	$16.32
12/05/2012	12/14/2012	$0.110	2.81%	2.89%	$15.25
09/05/2012	09/14/2012	$0.110	2.98%	2.93%	$15.00
05/30/2012	06/08/2012	$0.110	1.52%	1.51%	$14.60
02/29/2012	03/09/2012	$0.110	1.57%	1.59%	$13.80
11/22/2011	11/29/2011	$0.105	1.51%	1.51%	$13.95
05/25/2011	06/10/2011	$0.105	2.81%	2.8%	$15.00
02/23/2011	03/11/2011	$0.105	3%	3.05%	$13.75
11/24/2010	12/10/2010	$0.105	3.5%	3.5%	$12.00

Projected Future Values & Dividends for LOB & BFC

Based on past 10 years performance, LOB had share price CAGR of +8.49%, and dividend CAGR of +4.26%.

During same period BFC had share price CAGR of +17.57%, and dividend CAGR of +14.13%.

Using these CAGR metrics, we can estimate that your initial $10,000 investment from 10 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:

Projection uses BFC applied at 10.00% price / 10.00% dividend.

	LOB	BFC
Start Value	$10,000	$10,000
Start Share Price	$35.14	$149.78
Start Shares	284.58	66.76

After 10 years:	LOB	BFC
Final Share Count	292.87	78.34
Dividends Payment	$0.05	$1.56
Annual Dividends	$53	$488
Share Price	$79.41	$388.49
Total Dividends	$422	$2,798
Final Value	$23,257	$30,435

Estimated Future Returns - LOB

Estimated Future Returns - BFC

Estimate Dividend Snowball and total future returns for LOB and BFC with our dividend (DRIP) calculator.

Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these metrics.

Compare Stocks: LOB vs BFC