# Live Oak Bancshares (LOB) — Earnings

LOB · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/lob/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $0.69 |
| EPS estimate | $0.68 |
| EPS surprise | +2.26% |
| Revenue surprise | +0.66% |
| Revenue | $156.1M |
| Revenue estimate | $155.1M |
| Reported | Jul 22, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/1462120/000146212026000058/lob-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/0753615a-d5b7-8e2f-4f29-b45c9d00d5a1.html) |

Live Oak Bancshares reported Q2 2026 results on July 22, 2026. Earnings per share were $0.69, just ahead of the $0.68 estimate by 2.26%. Revenue was $156.1 million against a $155.1 million consensus. Compared with Q2 2025, EPS rose about 35% from $0.51 and revenue rose about 9% from $143.7 million.

Quarterly results in the table swing widely. EPS ranged from $0.07 in Q4 2022 to $0.88 in Q3 2023, and three straight quarters from Q3 2024 to Q1 2025 missed estimates by 43% to 58%. Annual EPS was $1.49 in 2022, $1.74 in 2023, $1.53 in 2024 and $1.83 in 2025. Revenue has grown more steadily, from $499.7 million in 2024 to $588.8 million in 2025. The first half of 2026 brought $1.29 per share, about 79% more than the $0.72 of the first half of 2025. Over the last 20 quarters, Live Oak beat the EPS estimate eight times and missed 12.

The bank reported Q3 between October 22 and October 27 in each of the past five years. That points to late October 2026 for the next report. It will show whether quarterly EPS holds near the $0.60–$0.69 of the first half.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 22, 2026 | $0.68 | $0.69 | 2.26% | $155.1M | $156.1M |
| Q1 2026 | Apr 22, 2026 | $0.59 | $0.60 | 2.48% | $151.2M | $145.5M |
| Q4 2025 | Jan 21, 2026 | $0.59 | $0.56 | -4.31% | $151.6M | $172.9M |
| Q3 2025 | Oct 22, 2025 | $0.60 | $0.55 | -8.20% | $148.1M | $146.1M |
| Q2 2025 | Jul 23, 2025 | $0.50 | $0.51 | 2.00% | $139.3M | $143.7M |
| Q1 2025 | Apr 23, 2025 | $0.37 | $0.21 | -43.24% | $129.0M | $126.1M |
| Q4 2024 | Jan 22, 2025 | $0.53 | $0.22 | -58.23% | $131.1M | $128.1M |
| Q3 2024 | Oct 23, 2024 | $0.55 | $0.28 | -48.62% | $127.8M | $129.9M |
| Q2 2024 | Jul 24, 2024 | $0.47 | $0.59 | 25.29% | $122.3M | $125.5M |
| Q1 2024 | Apr 24, 2024 | $0.47 | $0.44 | -6.26% | $118.9M | $116.2M |
| Q4 2023 | Jan 24, 2024 | $0.51 | $0.36 | -29.18% | $119.1M | $119.7M |
| Q3 2023 | Oct 25, 2023 | $0.48 | $0.88 | 84.87% | $115.3M | $127.3M |
| Q2 2023 | Jul 25, 2023 | $0.32 | $0.39 | 20.67% | $107.2M | $108.5M |
| Q1 2023 | Apr 26, 2023 | $0.35 | $0.11 | -68.71% | $111.3M | $101.6M |
| Q4 2022 | Jan 25, 2023 | $0.48 | $0.07 | -85.42% | $109.8M | $105.0M |
| Q3 2022 | Oct 26, 2022 | $0.45 | $0.41 | -8.90% | $115.8M | $141.6M |
| Q2 2022 | Jul 27, 2022 | $0.47 | $0.25 | -46.58% | $98.7M | $208.5M |
| Q1 2022 | Apr 27, 2022 | $0.70 | $0.76 | 8.74% | $107.6M | $110.4M |
| Q4 2021 | Jan 25, 2022 | $0.70 | $0.66 | -5.98% | $102.8M | $111.4M |
| Q3 2021 | Oct 27, 2021 | $0.66 | $0.76 | 15.50% | $99.0M | $98.7M |

## Frequently Asked Questions

### When did Live Oak Bancshares (LOB) last report earnings?

Live Oak Bancshares last reported on Jul 22, 2026, covering fiscal Q2 2026.

### Did LOB beat earnings estimates?

Yes. Live Oak Bancshares reported EPS of $0.69 for Q2 2026 against a $0.68 estimate — a 2.26% beat.

### How much revenue did LOB report last quarter?

Live Oak Bancshares reported $156.1M in revenue for Q2 2026, against a consensus estimate of $155.1M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).