When did LIVE OAK BANCSHARES INC (LOB) report earnings last quarter?
LIVE OAK BANCSHARES INC (LOB) last reported earnings on 1/21/2026.
LIVE OAK BANCSHARES INC (LOB) Earnings History & Surprises
NYSE:LOB • US53803X1054
Current stock price
33.39 USD
0 (0%)
At close:
33.39 USD
0 (0%)
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LOB Earnings overview
Past quarterly earnings results for LIVE OAK BANCSHARES INC (LOB), including EPS and revenue actuals, analyst estimates, and surprise percentages. This page focuses on historical performance (not forecasts).
Earnings Snapshot
Next Earnings Date
Upcoming- Release Date
- Apr 29, 2026
- Period
- Q1 / 2026
- EPS Estimate
- $0.53
- Revenue Estimate
- 148.07M
Last Reported
Most Recent- Release Date
- Jan 21, 2026
- Period
- Q4 / 2025
- EPS Reported
- $0.95
- EPS Surprise
- -1.34%
- Revenue Surprise
- 18.32%
Beat Rate
Last 8 Quarters 50%
EPS and Revenue beats vs estimates
Quarterly Earnings Historical Results
EPS & Revenue History (in USD): Actual vs estimated values, surprises, q2q growth and acceleration numbers quarterly history.
| Quarter | EPS | EPS Est | EPS Surprise | EPS Q2Q | Revenue | Revenue Est | Revenue Surprise | Revenue Q2Q |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | 0.95 | 0.96 | -1.34% | 331.82% | 172.907M | 146.14M | 18.32% | 35.01% |
| Q3 2025 | 0.55 | 0.60 | -8.94% | 96.43% | 146.099M | 144.15M | 1.35% | 12.44% |
| Q2 2025 | 0.51 | 0.54 | -4.73% | -13.56% | 143.747M | 130.73M | 9.96% | 14.56% |
| Q1 2025 | 0.21 | 0.35 | -39.65% | -41.67% | 126.113M | 122.82M | 2.68% | 8.52% |
| Q4 2024 | 0.22 | 0.55 | -59.96% | -38.89% | 128.067M | 124.74M | 2.67% | 7.01% |
| Q3 2024 | 0.28 | 0.56 | -50.02% | -68.18% | 129.932M | 124.86M | 4.06% | 2.07% |
| Q2 2024 | 0.59 | 0.47 | 26.30% | 51.28% | 125.479M | 121.32M | 3.43% | 15.69% |
| Q1 2024 | 0.36 | 0.47 | -23.77% | 3,500.00% | 116.208M | 117.83M | -1.38% | 14.38% |
| Q4 2023 | 0.36 | 0.45 | -19.36% | 800.00% | 119.683M | 117.8M | 1.60% | 13.98% |
| Q3 2023 | 0.88 | 0.48 | 83.04% | -8.33% | 127.301M | 114.01M | 11.66% | -10.10% |
| Q2 2023 | 0.39 | 0.32 | 22.66% | 1,200.00% | 108.458M | 105.62M | 2.69% | -47.96% |
| Q1 2023 | 0.01 | 0.35 | -97.10% | -98.68% | 101.596M | 110.83M | -8.33% | -8.06% |
| Q4 2022 | 0.04 | 0.43 | -90.74% | -93.94% | 105M | 110.78M | -5.22% | -5.75% |
| Q3 2022 | 0.96 | 0.71 | 34.82% | 26.32% | 141.6M | 109.59M | 29.21% | 37.48% |
| Q2 2022 | 0.03 | 0.46 | -93.44% | -97.87% | 208.4M | 98.526M | 111.52% | 47.18% |
| Q1 2022 | 0.76 | 0.71 | 7.68% | -13.64% | 110.5M | 108.71M | 1.65% | 9.30% |
| Q4 2021 | 0.66 | 0.71 | -6.91% | -2.94% | 111.4M | 103.81M | 7.31% | 52.39% |
| Q3 2021 | 0.76 | 0.66 | 15.77% | -6.17% | 103M | 99.584M | 3.43% | 4.67% |
| Q2 2021 | 1.41 | 0.57 | 145.44% | 1,466.67% | 141.6M | 92.377M | 53.28% | 123.70% |
| Q1 2021 | 0.88 | 0.61 | 43.78% | 563.16% | 101.1M | 90.443M | 11.78% | 120.26% |
| Q4 2020 | 0.68 | 0.53 | 28.85% | - | 73.1M | 84.473M | -13.46% | - |
| Q3 2020 | 0.81 | 0.27 | 197.03% | - | 98.4M | 74.795M | 31.56% | - |
| Q2 2020 | 0.09 | 0.03 | 197.03% | - | 63.3M | 55.897M | 13.24% | - |
| Q1 2020 | -0.19 | 0.07 | -368.74% | - | 45.9M | 52.589M | -12.72% | - |
Notes
- EPS and Revenue values are non-GAAP when available, otherwise GAAP.
- Surprise % is (Actual - Estimate) / |Estimate|. Green indicates positive surprise, red negative.
- Q2Q % is quarter-over-quarter growth. Green indicates growth, red indicates decline.
- Green right border indicates acceleration for sales or earnings growth. Acceleration is the case when the current Q2Q is above the previous Q2Q.
Earnings Q2Q Performance Trends
EPS Historical Q2Q growth and Acceleration
Revenue Historical Q2Q growth and Acceleration
Surprise distribution (Last 4 Quarters)
EPS beat statistics
EPS beat (4)
0
Average EPS beat (4)
-13.66%
Max EPS beat (4)
-1.34%
Min EPS beat (4)
-39.65%
Revenue beat statistics
Revenue beat (4)
4
Average Revenue beat (4)
8.08%
Max Revenue beat (4)
18.32%
Min Revenue beat (4)
1.35%
Analysis
In the last 4 quarters, LOB has not beaten EPS estimates in any release
LOB has consistently beaten revenue estimates in all past 4 earnings releases
In the last 4 quarters, LOB reported -13.7% below the EPS estimates on average.
In the last 4 quarters, LOB has beaten the revenue estimates by 8.1% on average.
Related analysis
LIVE OAK BANCSHARES INC / LOB Earnings FAQ
Did LIVE OAK BANCSHARES INC (LOB) beat earnings estimates last quarter?
LIVE OAK BANCSHARES INC (LOB) missed EPS estimates and beat revenue estimates in the most recent quarter.
What percentage of the time does LOB stock beat earnings estimates?
In the last 4 quarters, LIVE OAK BANCSHARES INC (LOB) has beaten EPS estimates in 0 out of 4 releases.