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Live Oak Bancshares Earnings Calls
| Release date | Apr 22, 2026 |
| EPS estimate | $0.540 |
| EPS actual | $0.600 |
| EPS Surprise | 11.11% |
| Revenue estimate | 151.227M |
| Revenue actual | 145.474M |
| Revenue Surprise | -3.80% |
| Release date | Jan 21, 2026 |
| EPS estimate | $0.560 |
| EPS actual | $0.95 |
| EPS Surprise | 69.64% |
| Revenue estimate | 150.413M |
| Revenue actual | 172.907M |
| Revenue Surprise | 14.95% |
| Release date | Oct 22, 2025 |
| EPS estimate | $0.580 |
| EPS actual | $0.550 |
| EPS Surprise | -5.17% |
| Revenue estimate | 151.265M |
| Revenue actual | 142.456M |
| Revenue Surprise | -5.82% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.520 |
| EPS actual | $0.510 |
| EPS Surprise | -1.92% |
| Revenue estimate | 147.9M |
| Revenue actual | 142.003M |
| Revenue Surprise | -3.99% |
Last 4 Quarters for Live Oak Bancshares
Below you can see how LOB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 23, 2025 |
| Price on release | $32.35 |
| EPS estimate | $0.520 |
| EPS actual | $0.510 |
| EPS surprise | -1.92% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $32.21 |
| Jul 18, 2025 | $31.74 |
| Jul 21, 2025 | $31.86 |
| Jul 22, 2025 | $32.01 |
| Jul 23, 2025 | $32.35 |
| Jul 24, 2025 | $32.53 |
| Jul 25, 2025 | $33.93 |
| Jul 28, 2025 | $34.02 |
| Jul 29, 2025 | $33.05 |
| 4 days before | 0.435% |
| 4 days after | 2.16% |
| On release day | 0.556% |
| Change in period | 2.61% |
| Release date | Oct 22, 2025 |
| Price on release | $34.65 |
| EPS estimate | $0.580 |
| EPS actual | $0.550 |
| EPS surprise | -5.17% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $33.03 |
| Oct 17, 2025 | $33.48 |
| Oct 20, 2025 | $34.10 |
| Oct 21, 2025 | $34.77 |
| Oct 22, 2025 | $34.65 |
| Oct 23, 2025 | $33.51 |
| Oct 24, 2025 | $34.19 |
| Oct 27, 2025 | $32.91 |
| Oct 28, 2025 | $32.29 |
| 4 days before | 4.90% |
| 4 days after | -6.81% |
| On release day | -3.29% |
| Change in period | -2.24% |
| Release date | Jan 21, 2026 |
| Price on release | $39.00 |
| EPS estimate | $0.560 |
| EPS actual | $0.95 |
| EPS surprise | 69.64% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $36.12 |
| Jan 15, 2026 | $37.87 |
| Jan 16, 2026 | $37.60 |
| Jan 20, 2026 | $36.71 |
| Jan 21, 2026 | $39.00 |
| Jan 22, 2026 | $40.76 |
| Jan 23, 2026 | $39.37 |
| Jan 26, 2026 | $39.24 |
| Jan 27, 2026 | $38.75 |
| 4 days before | 7.97% |
| 4 days after | -0.641% |
| On release day | 4.51% |
| Change in period | 7.28% |
| Release date | Apr 22, 2026 |
| Price on release | $36.29 |
| EPS estimate | $0.540 |
| EPS actual | $0.600 |
| EPS surprise | 11.11% |
| Date | Price |
|---|---|
| Apr 16, 2026 | $36.06 |
| Apr 17, 2026 | $37.46 |
| Apr 20, 2026 | $37.38 |
| Apr 21, 2026 | $36.40 |
| Apr 22, 2026 | $36.29 |
| Apr 23, 2026 | $37.48 |
| Apr 24, 2026 | $37.43 |
| Apr 27, 2026 | $37.85 |
| Apr 28, 2026 | $38.78 |
| 4 days before | 0.638% |
| 4 days after | 6.86% |
| On release day | 3.28% |
| Change in period | 7.54% |
Live Oak Bancshares Earnings Call Transcript Summary of Q1 2026
Live Oak reported strong Q1 2026 results driven by recurring net interest income, disciplined expense control, and progress on strategic initiatives. Reported diluted EPS was $0.60 and adjusted EPS $0.70 (up ~94% YoY); adjusted PPNR rose ~30% YoY. Loan production remained diversified (~$1.4B in Q1) and the loan book grew 14% YoY to about $12.6B; deposits were $9.9B, up 13% YoY. Management highlighted two high-impact initiatives: building business checking relationships (noninterest-bearing deposits grew to >$400M from near-zero two years ago, with a target of >10% of total deposits) and Live Oak Express (small-dollar 7(a) lending), with a long-run production target of at least $750M annually. Credit metrics were described as stable to improving: provision expense improved to ~$20M, unguaranteed ACL coverage was 2.14% of unguaranteed loans, 30+ day delinquencies remained very low, and management continues to monitor selected verticals (notably some nonaccruals from exited/legacy beverage loans). Capital ratios remain healthy and management emphasized continued investments in AI and technology (including an AI-native loan origination platform) to drive efficiency and customer experience. Guidance/benchmarks: management expects loan growth in the low- to mid-double-digit range (given a strong pipeline), NIM to stabilize in a flat rate environment, a stair-step cadence in gain-on-sale volumes through the year, and an aspiration of driving sustained long-term profitability targeting a 15% ROE with 15% EPS growth.
