The earnings call highlights significant growth in revenue, loan originations, and customer deposits, coupled with improving credit metrics. However, there are challenges such as increased loan payoffs and an inconsistent USDA loan sales market. Overall, the positive aspects significantly outweigh the lowlights, indicating a strong performance and optimistic outlook.

Company Guidance -

Q3 2025

During the Live Oak Bancshares Second Quarter 2025 Earnings Call, the company provided robust guidance, highlighting several key metrics. Revenue grew 10% quarter-over-quarter and 20% year-over-year, driven by a focus on profitable loan and deposit production. Loan originations reached $1.5 billion, marking the largest Q2 production in the bank's history, excluding PPP, with a 9% linked quarter increase and a 30% rise compared to Q2 2024. The net interest margin expanded by 8 basis points, marking the third consecutive quarter of margin expansion. Customer deposits grew 6% linked quarter and 20% year-over-year, bolstered by a 36% year-to-date rise in noninterest-bearing balances. The company also reported an EPS of $0.51, significantly improving from the previous quarter, aided by a 22% increase in core operating leverage. Additionally, credit metrics showed improvement, with past dues and nonaccruals trending favorably. The company expressed confidence in the near end of the current small business credit cycle, supported by key credit indicators.

Strong Revenue and EPS Growth

Top line revenue grew by 10% linked quarter and 20% year-over-year, with a significant improvement in earnings per share (EPS) to $0.51, aided by a 22% quarter-over-quarter increase in core operating leverage.

Record Loan Originations

Loan originations reached $1.5 billion, marking the largest Q2 of loan production in bank history, excluding PPP, which is a 9% increase linked quarter and approximately 30% increase compared to Q2 of 2024.

Customer Deposits Growth

Customer deposits grew approximately 6% linked quarter, with balances now approximately 20% higher than June 30, 2024. Noninterest-bearing balances increased 36% year-to-date.

Improving Credit Metrics

Credit quality metrics showed improvement, with a 20% decrease in quarterly provision expense from the previous quarter, and a decline in nonaccrual loans for the first time in five quarters.

Strong Demand for SBA Loans

Consistent demand for SBA loans in the secondary market, providing stable gain on sale revenue and liquidity back into the bank, with $322 million of loans sold at a 7% average premium.

Live Oak Bancshares (LOB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

LOB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	0.60 / -	0.28	―	―	―
Jul 23, 2025	2025 (Q2)	0.50 / 0.51	0.59	-13.56% (-0.08)
Apr 23, 2025	2025 (Q1)	0.37 / 0.21	0.44	-52.27% (-0.23)
Jan 22, 2025	2024 (Q4)	0.53 / 0.22	0.36	-38.89% (-0.14)
Oct 23, 2024	2024 (Q3)	0.55 / 0.28	0.88	-68.18% (-0.60)
Jul 24, 2024	2024 (Q2)	0.47 / 0.59	0.39	51.28% (+0.20)
Apr 24, 2024	2024 (Q1)	0.47 / 0.44	0.11	300.00% (+0.33)
Jan 24, 2024	2023 (Q4)	0.51 / 0.36	0.07	414.29% (+0.29)
Oct 25, 2023	2023 (Q3)	0.48 / 0.88	0.412	113.59% (+0.47)
Jul 25, 2023	2023 (Q2)	0.32 / 0.39	0.248	57.26% (+0.14)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

LOB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$32.35	$32.53	+0.56%
Apr 23, 2025	$24.75	$26.38	+6.59%
Jan 22, 2025	$40.68	$35.00	-13.96%
Oct 23, 2024	$46.52	$41.72	-10.32%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Live Oak Bancshares (LOB) report earnings?

Live Oak Bancshares (LOB) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Live Oak Bancshares (LOB) earnings time?

Live Oak Bancshares (LOB) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is LOB EPS forecast?

LOB EPS forecast for the fiscal quarter 2025 (Q3) is 0.6.

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