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 Q1 FY2026 Key Financial Metrics
Revenue
$145.5M
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$27.9M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
19.2%
YoY Growth
18.4%
EPS
$0.60
Live Oak Bancshares, Inc. Q1 FY2026 Financial Summary
Live Oak Bancshares, Inc. reported revenue of $145.5M (up 18.4% YoY) for Q1 FY2026, with a net profit of $27.9M (up 187.6% YoY) (19.2% margin).
Key Financial Metrics
| Total Revenue | $145.5M |
|---|---|
| Net Profit | $27.9M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q1 FY2026 |
Live Oak Bancshares, Inc. Annual Revenue by Year
Live Oak Bancshares, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $577.8M).
Live Oak Bancshares, Inc. Quarterly Revenue & Net Profit History
Live Oak Bancshares, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $145.5M | +18.4% | $27.9M | 19.2% |
| Q4 FY2025 | $161.9M | +38.4% | $46.2M | 28.5% |
| Q3 FY2025 | $146.1M | +12.4% | $26.5M | 18.1% |
| Q2 FY2025 | $143.7M | +14.6% | $23.4M | 16.3% |
| Q1 FY2025 | $126.1M | +8.5% | $9.7M | 7.7% |
| Q4 FY2024 | $116.9M | +4.5% | $9.9M | 8.5% |
| Q3 FY2024 | $129.9M | +2.1% | $13.0M | 10.0% |
| Q2 FY2024 | $125.5M | +15.7% | $27.0M | 21.5% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $125.5M | $129.9M | $116.9M | $126.1M | $143.7M | $146.1M | $161.9M | $145.5M |
| YoY Growth | 15.7% | 2.1% | 4.5% | 8.5% | 14.6% | 12.4% | 38.4% | 18.4% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $11.87B | $12.61B | $12.94B | $13.60B | $13.83B | $14.67B | $15.13B | $15.30B |
| Liabilities | $10.91B | $11.60B | $11.94B | $12.56B | $12.76B | $13.46B | $13.88B | $14.02B |
| Equity | $961.0M | $1.01B | $999.0M | $1.03B | $1.06B | $1.20B | $1.25B | $1.28B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $29.5M | $47.4M | $156.8M | $-33.0M | $49.2M | $62.3M | $158.2M |