Earnings summaries and quarterly performance for Live Oak Bancshares.
Executive leadership at Live Oak Bancshares.
James S. Mahan III
Detailed
Chief Executive Officer
CEO
CC
Courtney C. Spencer
Detailed
Chief Experience Officer
GW
Gregory W. Seward
Detailed
Chief Risk Officer and General Counsel
JW
J. Wesley Sutherland
Detailed
Chief Accounting Officer
MS
Micah S. Davis
Detailed
Chief Marketing and Communications Officer
MJ
Michael J. Cairns
Detailed
Chief Credit Officer
RD
Renato Derraik
Detailed
Chief Information and Digital Officer
SA
Stephanie A. Mann
Detailed
Chief Strategy Officer
WJ
Walter J. Phifer
Detailed
Chief Financial Officer
WC
William C. Losch III
Detailed
President
Board of directors at Live Oak Bancshares.
DG
David G. Lucht
Detailed
Director
JW
Jeffrey W. Lunsford
Detailed
Director
ME
Miltom E. Petty
Detailed
Director
NL
Neil L. Underwood
Detailed
Director
PT
Patrick T. McHenry
Detailed
Director
TW
Tonya W. Bradford
Detailed
Director
WH
William H. Cameron
Detailed
Director
WL
William L. Williams III
Detailed
Vice Chairman
YA
Yousef A. Valine
Detailed
Director
Research analysts who have asked questions during Live Oak Bancshares earnings calls.
David Feaster
Raymond James
8 questions for LOB
Also covers: ABCB, ALRS, AX +20 more
Crispin Love
Piper Sandler
5 questions for LOB
Also covers: ABL, ABR, AGNC +24 more
DR
David Rochester
Compass Point
4 questions for LOB
Also covers: BFH, BKU, CFR +6 more
Timothy Switzer
KBW
4 questions for LOB
Also covers: CASH, CIVB, CNOB +14 more
TS
Tim Switzer
Keefe, Bruyette & Woods (KBW)
4 questions for LOB
Also covers: CASH, CIVB, CNOB +12 more
BY
Bill Young
RBC Capital Markets
2 questions for LOB
Also covers: BHLB, PFS
BY
Billy Young
TD Cowen
2 questions for LOB
Recent press releases and 8-K filings for LOB.
Live Oak Bancshares Reports Strong Q4 and Full-Year 2025 Results, Driven by Record Loan Production and Strategic Initiative Growth
LOB
Earnings
Guidance Update
New Projects/Investments
- Live Oak Bancshares reported strong Q4 2025 net income of $44 million and EPS of $0.95, approximately three times Q4 2024 results, significantly boosted by $28 million in net gains from its ventures investment portfolio.
- For the full year 2025, the company achieved record loan production of $6.2 billion, leading to 17% annual loan balance growth, 17% revenue growth, and 13% tangible book value growth.
- Strategic initiatives, including Business Checking and Live Oak Express, demonstrated strong momentum, with Business Checking balances doubling year-over-year to $377 million and Live Oak Express contributing $12 million to gain on sale totals in 2025.
- The company anticipates expense growth to moderate to single digits year over year for 2026, with continued investment in strategic priorities like Business Checking, Live Oak Express, and AI.
Jan 22, 2026, 2:00 PM
Live Oak Bancshares Reports Strong Q4 and Full-Year 2025 Results, Driven by Record Loan Production and Investment Gains
LOB
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Live Oak Bancshares reported strong Q4 2025 results, with net income of $44 million and $0.95 EPS, significantly boosted by $28 million in net investment gains, including a $24 million gain from the Apiture sale. For the full year 2025, the company achieved record loan production of $6.2 billion, driving 17% annual loan balance growth, 27% core PP&R growth, and 17% revenue growth.
- The company saw significant progress in key initiatives, with Business Checking balances doubling year over year to $377 million and Live Oak Express contributing $12 million to gain on sales in 2025. The percentage of customers with both a loan and deposit relationship increased from 6% at the beginning of 2024 to 22%.
- Credit trends showed continued stabilization throughout 2025, with the fourth consecutive quarter of lower to stable provision expense. Management anticipates Q1 2026 gain on sale income to be around $15 million, and projects net interest margin to step down in Q1 before seeing an upward trajectory through the year, with expense growth moderating to single digits year over year.
Jan 22, 2026, 2:00 PM
Live Oak Bancshares Reports Strong Q4 2025 Financial Results
LOB
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Live Oak Bancshares reported net income of $44 million and $0.95 of earnings per share for Q4 2025, which was approximately three times Q4 2024 results.
- The company achieved record loan production of $6.2 billion for the full year 2025, contributing to 17% annual loan balance growth and 17% revenue growth.
- Strategic initiatives showed significant progress, with Business Checking balances doubling year over year to $377 million and Live Oak Express contributing $12 million to gain on sales in 2025.
- Credit trends demonstrated stabilization, with over 30 days past due remaining low at $10 million (9 basis points of the held-for-investment loan portfolio) as of December 31st, despite an increase in non-accrual loans to $110 million.
- Management anticipates expense growth to moderate to single digits year over year and expects near-term Net Interest Margin (NIM) compression in Q1 2026 due to Fed cuts, followed by NIM expansion later in the year.
Jan 22, 2026, 2:00 PM
Live Oak Bancshares, Inc. Reports Strong Q4 and Full-Year 2025 Results
LOB
Earnings
Convertible Preferred Issuance
M&A
- Live Oak Bancshares, Inc. reported net income attributable to common shareholders of $44.1 million, or $0.95 per diluted share, for the fourth quarter of 2025.
- For the full year ended December 31, 2025, net income attributable to common shareholders totaled $102.8 million, or $2.23 per diluted share.
- The company achieved strong loan production of $6.21 billion and deposit growth of $1.93 billion in 2025, leading to a 16.9% increase in total assets to $15.13 billion.
- In 2025, Live Oak Bancshares, Inc. raised $96.3 million in capital from a preferred stock offering in the third quarter and recognized a $24.1 million pre-tax gain from the sale of Apiture, Inc..
Jan 21, 2026, 9:19 PM
Live Oak Bancshares Reports Fourth Quarter and Full Year 2025 Results
LOB
Earnings
Revenue Acceleration/Inflection
- Live Oak Bancshares reported net income attributable to common shareholders of $44.1 million, or $0.95 per diluted share, for the fourth quarter of 2025.
- For the full year ended December 31, 2025, net income attributable to common shareholders totaled $102.8 million, or $2.23 per diluted share.
- The company achieved strong loan production of $6.21 billion and deposit growth of $1.93 billion in 2025, with total assets growing by 16.9% to $15.13 billion.
- Revenue for 2025 increased by 18.3%, while noninterest expense increased by 11.7%, resulting in 28.9% growth in pre-provision net revenue.
Jan 21, 2026, 9:15 PM
Live Oak Bancshares Under Investigation for Securities Violations
LOB
Legal Proceedings
Financial Restatement
Accounting Changes
- The Schall Law Firm has initiated an investigation into Live Oak Bancshares, Inc. (NYSE: LOB) for alleged violations of securities laws.
- This investigation stems from Live Oak's November 12, 2025, disclosure that it will restate its 2024 Annual Report on Form 10-K and Q1 and Q2 2025 Quarterly Reports on Form 10-Q.
- The restatement is necessary due to a material misclassification of cash flows between operating and investing activities, which caused Live Oak's shares to fall.
Dec 10, 2025, 4:00 PM
Live Oak Bancshares Reports Strong Q3 2025 Earnings and Growth
LOB
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Live Oak Bancshares reported Q3 2025 earnings per share of $0.55, an 8% increase quarter-over-quarter and nearly double compared to Q3 2024.
- The company was recognized as the number one SBA 7(a) lender for 2025, providing over $2.8 billion in loans, a 44% increase year-over-year, and expanding its market share from 6.4% to 7.7%.
- Significant growth was observed across key metrics, including a 22% increase in loan production, 17% growth in loan outstandings, 20% growth in customer deposits, and 24% growth in PPNR.
- Net interest income grew 6% link quarter and 19% year-over-year, with the net interest margin expanding five basis points to 3.33% in Q3 2025.
- Strategic initiatives are focused on growing non-interest-bearing business checking balances, which reached $363 million in Q3 2025 , and originating small dollar SBA 7(a) loans, with plans to pilot an AI-enabled loan origination solution.
Oct 23, 2025, 1:00 PM
Live Oak Bancshares Reports Strong Q3 2025 Earnings and Growth
LOB
Earnings
Guidance Update
New Projects/Investments
- Live Oak Bancshares (LOB) reported Q3 2025 earnings per share of $0.55, an 8% increase quarter-over-quarter and nearly double compared to Q3 2024.
- The company achieved strong financial performance, with loan balances increasing 5% link quarter and customer deposits growing approximately 3% link quarter. Net interest income increased 6% link quarter, and the net interest margin expanded by five basis points to 3.33%.
- LOB successfully raised $100 million through an inaugural preferred offering and anticipates a $24 million one-time gain from the upcoming Aperture sale, which will also eliminate approximately $6 million in annual pass-through losses.
- Strategic initiatives include growing non-interest-bearing business checking balances, which increased 26% link quarter to $363 million, and leveraging AI to enhance efficiency and underwriting processes.
- The company aims for a sustainable path to 15% return on equity and 15% or more EPS growth annually within the next 18 to 24 months.
Oct 23, 2025, 1:00 PM
Live Oak Bank Leads Nation in SBA 7(a) Lending Activity
LOB
Revenue Acceleration/Inflection
- Live Oak Bank was recognized as the most active SBA 7(a) lender by dollar amount for the U.S. Small Business Administration's 2025 fiscal year, which concluded on September 30, 2025.
- The bank secured 2,280 SBA loan approvals through its 7(a) program.
- These approvals channeled over $2.8 billion to small business owners across the country.
Oct 6, 2025, 8:30 PM
Quarterly earnings call transcripts for Live Oak Bancshares.
Ask Fintool AI Agent
Get instant answers from SEC filings, earnings calls & more