LOB
Live Oak Bancshares, Inc.
NYSE: LOB · FINANCIAL SERVICES · BANKS - REGIONAL
$37.07
-1.41% today
Updated 2026-05-01
Market cap
$1.75B
P/E ratio
14.44
P/S ratio
3.41x
EPS (TTM)
$2.62
Dividend yield
0.31%
52W range
$25 – $43
Volume
0.3M
Live Oak Bancshares, Inc. (LOB) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
4 of 8
Last 8 quarters
Avg EPS surprise
+20.3%
Last 4 quarters
Revenue YoY growth
+10.0%
Most recent quarter
EPS YoY growth
+143.3%
Most recent quarter
Earnings surprise history (last 12 quarters)
Beat estimate Missed estimate
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
+1.5%
Last 3 reports
Positive reaction rate
33%
1 of 3 quarters
Largest single-day move
+11.0%
2026-01-21
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-04-29 | $0.63 | +9.2% | $38.78 | $37.60 | -3.0% |
| 2026-01-21 | $0.95 | +66.7% | $36.71 | $40.76 | +11.0% |
| 2025-10-22 | $0.59 | -0.6% | $34.77 | $33.51 | -3.6% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2026-03-31 | $0.58 | $0.63 | +9.2% | $259.94M | +10.0% |
| 2025-12-31 | $0.57 | $0.95 | +66.7% | $289.44M | +20.6% |
| 2025-09-30 | $0.59 | $0.59 | -0.6% | $258.40M | +8.4% |
| 2025-06-30 | $0.50 | $0.53 | +6.0% | $257.07M | +11.5% |
| 2025-03-31 | $0.37 | $0.26 | -29.7% | $236.34M | +7.2% |
| 2024-12-31 | $0.53 | $0.27 | -49.1% | $239.92M | +21.1% |
| 2024-09-30 | $0.55 | $0.28 | -49.1% | $238.27M | +10.3% |
| 2024-06-30 | $0.46 | $0.59 | +28.3% | $230.54M | — |
| 2024-03-31 | $0.47 | $0.36 | -23.4% | $220.56M | — |
| 2023-12-31 | $0.44 | $0.36 | -18.2% | $198.08M | — |
| 2023-09-30 | $0.48 | $0.88 | +83.3% | $216.04M | — |
Frequently asked questions
Has Live Oak Bancshares, Inc. beaten earnings estimates?
Live Oak Bancshares, Inc. has beaten Wall Street EPS estimates in 4 of its last 8 quarterly reports, with an average EPS surprise of +20.3% over the last 4 quarters.
How does LOB stock react to earnings?
LOB stock has moved an average of +1.5% in the trading day following earnings over its last 3 reports, with positive reactions in 33% of those quarters.
What is Live Oak Bancshares, Inc.'s revenue growth rate?
Live Oak Bancshares, Inc. reported year-over-year revenue growth of +10.0% in its most recent quarter, with EPS growing +143.3% year-over-year.