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Live Oak Bancshares (LOB)
NYSE:LOB
Earnings Data
Report Date
Oct 22, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.6Last Year’s EPS
0.28Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlighted strong growth in revenue, loan originations, and deposits, alongside significant improvements in credit quality and net interest income. While there were some challenges with increased payoffs and intentional charge-offs, these were managed proactively. The overall performance and strategic initiatives suggest a positive trajectory for the company.Company Guidance
Strong Revenue and Earnings Growth
Top line revenue grew 10% quarter-over-quarter and 20% year-over-year. The company reported a Q2 earnings per share of $0.51, which is a substantial improvement from the prior quarter.
Record Loan Originations
Q2 2025 loan originations totaled approximately $1.5 billion, marking the largest Q2 of loan production in bank history, excluding PPP, and a 30% increase compared to Q2 of 2024.
Deposit Growth
Customer deposits grew approximately 6% quarter-over-quarter, and are now approximately 20% higher than June 30, 2024. Noninterest-bearing checking balances increased 36% year-to-date.
Improved Credit Quality
Key credit indicators such as past dues, defaults, and nonaccruals showed meaningful improvement, indicating the end of the current small business credit cycle is near.
Positive Trends in Net Interest Income
Quarterly net interest income increased $9 million or 9% quarter-over-quarter, with the net interest margin expanding by 8 basis points. Loan production yields were 74 basis points above the current portfolio yield.
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 |
|---|---|---|---|
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% |
Oct 23, 2024 | $46.48 | $41.69 | -10.31% |
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.