Live Oak Bancshares, Inc.LOBEarnings & Financial Report
Live Oak Bank, a subsidiary of Live Oak Bancshares, Inc., is an American bank. Headquartered in Wilmington, North Carolina, it serves small business owners in all 50 states and was the leading SBA 7(a) lender by dollar volume in 2022.
LOB Q3 2025 Key Financial Metrics
Revenue
$115.5M
Gross Profit
N/A
Operating Profit
$36.6M
Net Profit
$26.5M
Gross Margin
N/A
Operating Margin
31.7%
Net Margin
23.0%
YoY Growth
19.1%
EPS
$0.55
Financial Flow
Live Oak Bancshares, Inc. Q3 2025 Financial Summary
Live Oak Bancshares, Inc. reported revenue of $115.5M for Q3 2025, with a net profit of $26.5M (23.0% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $115.5M |
|---|---|
| Net Profit | $26.5M |
| Gross Margin | N/A |
| Operating Margin | 31.7% |
| Report Period | Q3 2025 |
Live Oak Bancshares, Inc. Annual Revenue by Year
Live Oak Bancshares, Inc. annual revenue history includes year-by-year totals (for example, 2024 revenue was $375.9M).
| Year | Annual Revenue |
|---|---|
| 2024 | $375.9M |
| 2023 | $345.3M |
| 2022 | $327.5M |
Income Statement
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $89.6M | $90.1M | $91.3M | $97.0M | $97.5M | $100.5M | $109.2M | $115.5M |
| YoY Growth | 4.3% | 9.9% | 8.3% | 8.5% | 8.8% | 11.6% | 19.6% | 19.1% |
Balance Sheet
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $11.27B | $11.51B | $11.87B | $12.61B | $12.94B | $13.60B | $13.83B | $14.67B |
| Liabilities | $10.37B | $10.58B | $10.91B | $11.60B | $11.94B | $12.56B | $12.76B | $13.46B |
| Equity | $902.7M | $927.7M | $961.0M | $1.01B | $999.0M | $1.03B | $1.06B | $1.20B |
Cash Flow
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $170.2M | $90.9M | $83.9M | $191.0M | $170.7M | $105.0M | $208.2M | $-234.6M |
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