LOB
Live Oak Bancshares·NYSE
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LOB fundamentals
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.
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Key Indicators
Live Oak Bancshares (LOB) key financial stats and ratios, covering profitability, financial health, and leverage.
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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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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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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Where does Live Oak Bancshares (LOB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Live Oak Bancshares (LOB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What guidance did Live Oak Bancshares's management provide for the next earnings period?What were the key takeaways from Live Oak Bancshares's earnings call?What is Live Oak Bancshares's gross profit margin?What is Live Oak Bancshares's latest dividend and current dividend yield?What is the market's earnings forecast for Live Oak Bancshares next quarter?What does Live Oak Bancshares do and what are its main business segments?What were the key takeaways from Live Oak Bancshares’s earnings call?What is the revenue and EPS growth rate for Live Oak Bancshares year over year?
