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Live Oak Bancshares (LOB)
NYSE:LOB
Earnings Data
Report Date
Jan 28, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.58Last Year’s EPS
0.22Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted substantial growth in SBA lending, positive financial performance, and strategic advancements in technology. However, concerns were raised about the increase in nonaccrual loans and the potential impacts of a government shutdown. Despite these challenges, the overall sentiment remains optimistic due to strong financial metrics and strategic initiatives.Company Guidance
Record SBA 7(a) Lending
Live Oak Bancshares was recognized as the #1 SBA 7(a) lender for 2025, providing over $2.8 billion in loans to small businesses, with a 44% increase in production over the previous year and market share growth from 6.4% to 7.7%.
Strong Loan and Deposit Growth
Loan production increased by 22%, loan outstandings grew by 17%, and customer deposits grew by 20%.
Earnings Performance
Q3 earnings per share increased by 8% quarter-over-quarter and nearly doubled compared to Q3 2024. The net interest margin expanded by 5 basis points to 3.33%.
Successful Capital Raise
The bank raised $100 million with a preferred offering, adding Tier 1 growth capital.
Advancements in AI and Technology
Live Oak is piloting an AI-enabled loan origination solution and leveraging AI across multiple business areas to improve efficiency and customer experience.
LOB Earnings History
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 |
|---|---|---|---|
Oct 22, 2025 | $34.65 | $33.51 | -3.29% |
Jul 23, 2025 | $32.32 | $32.50 | +0.56% |
Apr 23, 2025 | $24.73 | $26.36 | +6.59% |
Jan 22, 2025 | $40.64 | $34.97 | -13.95% |
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 Jan 28, 2026, After Close (Confirmed).
What is Live Oak Bancshares (LOB) earnings time?
Live Oak Bancshares (LOB) earnings time is at Jan 28, 2026, 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 (Q4) is 0.58.