Symbols

LOB

Live Oak Bancshares·NYSE

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LOB fundamentals

LOB Q4 2025 Earnings

Live Oak Bancshares (LOB) released its earnings on Jan 21, 2026: revenue was 172.91M (YoY +35.02%), beat estimates; EPS was 0.95 (YoY +331.82%), beat estimates.

Revenue / YoY

172.91M

+35.02%

EPS / YoY

0.95

+331.82%

Report date

Jan 21, 2026

LOB Earnings Call Summary for Q4,2025

Revenue Growth: 17% loan growth, 27% PPNR growth, and $44 million Q4 net income.
NIM Expansion: 5 bps QoQ to 3.35%, despite 50 bps Fed cuts.
Credit Strength: Nonaccruals at 91 bps, below industry average.
Strategic Momentum: Live Oak Express GOS up 100% YoY, 22% customer deposit adoption.
AI Investment: Developing next-gen platforms and AI-native banking capabilities.

Earnings

EPS

Revenue

Revenue & Expenses

Key Indicators

Live Oak Bancshares (LOB) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Live Oak Bancshares (LOB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Live Oak Bancshares (LOB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Live Oak Bancshares (LOB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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