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Live Oak Bancshares, Inc.

LOB · Financials

Last earnings Oct 21, 2026

Key results

Net incomequarter

$25.6 million

(NYSE LOB) ( Live Oak or the Company ) today reported third quarter of 2025 net income attributable to common shareholders of $25.6 million, or $0.55 per diluted common share.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

59,661 67,574 Preferred stock dividends 954 Net income attributable to common shareholders $ 58,707 $ 67,574 Earnings per common share Basic $ 1.29 $ 1.50 Diluted $ 1.28 $ 1.48 Weighted average shares outstanding Basic 45,632,313 44,937,409 Diluted 45,956,835 45,707,245 6 Live Oak Bancshares, Inc.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + parent 8-K — transcript not held

Net income · Q3 2025
$25.6M
EX-99 · Oct 22, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$25.6 million——

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

long-term sovereign debt, actions that the U.

government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the debt ceiling and the federal budget adverse results, including related fees and expenses, from pending or future lawsuits, government investigations or private actions and the other factors discussed in the Company s Annual Report on Form 10-K filed with the Securities and Exchange Commission ( SEC ) and available at the SEC s Internet site (http www.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Third Quarter 2025 Results

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

long-term sovereign debt, actions that the U.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the debt ceiling and the federal budget adverse results, including related fees and expenses, from pending or future lawsuits, government investigations or private actions and the other factors discussed in the Company s Annual Report on Form 10-K filed with the Securities and Exchange Commission ( SEC ) and available at the SEC s Internet site (http www.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

59,661 67,574 Preferred stock dividends 954 Net income attributable to common shareholders $ 58,707 $ 67,574 Earnings per common share Basic $ 1.29 $ 1.50 Diluted $ 1.28 $ 1.48 Weighted average shares outstanding Basic 45,632,313 44,937,409 Diluted 45,956,835 45,707,245 6 Live Oak Bancshares, Inc.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

These strategic moves position Live Oak for continued growth and resilience as we enter the final stretch of 2025.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Live Oak Bancshares and its subsidiaries partner with businesses that share a groundbreaking focus on service and technology to redefine banking.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

Forward-looking statements involve significant risks and uncertainties, and actual results may differ materially from those presented, either expressed or implied, in this press release.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

government shutdown the impact of heightened regulatory scrutiny of financial products and services and the Company's ability to comply with regulatory requirements and expectations changes in tariffs and trade barriers, including potential changes in U.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the debt ceiling and the federal budget adverse results, including related fees and expenses, from pending or future lawsuits, government investigations or private actions and the other factors discussed in the Company s Annual Report on Form 10-K filed with the Securities and Exchange Commission ( SEC ) and available at the SEC s Internet site (http www.

SEC original ↗Live Oak Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials
Documents

Filings

38 documents

Earnings releases

4 documents

Presentations

0 documents

No presentations for Live Oak Bancshares, Inc. are held in this edition of the library.

Transcripts

0 documents

No transcripts for Live Oak Bancshares, Inc. are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.