Live Oak Bancshares

Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. It operates through the following segments: Banking, Fintech, and Other. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments into emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2018 and is headquartered in Wilmington, NC.

Earnings data Q1 2021

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Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Live Oak Bancshares reports strong earnings, eyes growth opportunities in 2023

Live Oak Bancshares delivered strong financial performance in Q4 2022 with a focus on credit quality and profitability.
Challenges include managing expenses, credit quality, and achieving future profitability goals amidst uncertainties.
Opportunities lie in optimizing margins, enhancing income strategies, and capitalizing on growth prospects.
Overall, Live Oak Bancshares remains well-positioned for growth with a positive outlook for 2023.

Live Oak Bancshares reports Q1 earnings, eyes growth amid challenges

Live Oak Bancshares faces challenges from industry events impacting earnings but maintains a strong position in small business lending and deposit liquidity. The bank is optimistic about growth opportunities, with a focus on improving gain on sale revenue and exploring new lending areas. Caution is exercised in tech investments while stress scenarios show resilience in adverse conditions.

Live Oak Bancshares excels in Q2 earnings amidst industry challenges

Live Oak Bancshares delivered a strong performance in Q2 with improvements in core revenues, stable credit quality, and a customer-centric approach. The company faces challenges with PBMs and branch deposit models but sees opportunities in business acquisitions and real estate lending. Investments in people and technology are expected to drive future growth.

Live Oak Bancshares reports strong Q3 performance and growth opportunities

Live Oak Bancshares delivered a strong quarter with improvements in credit quality metrics, loan growth acceleration, and revenue-generating capabilities.
While facing challenges in certain sectors and the impact of rising rates, the bank's unique approach to asset quality management and growth opportunities position it well for the future.
With a focus on maintaining a competitive net interest margin and leveraging opportunities in loan origination and revenue growth initiatives, Live Oak is poised for continued success.

Live Oak Bancshares excels in Q4 2023, poised for growth

Live Oak Bancshares delivered a strong financial performance in Q4 2023, driven by solid EPS, net interest margin, and loan growth, supported by a unique business model.
The company's focus on technology, government-guaranteed lending, and operational efficiency positions it well for sustainable growth and profitability.
While facing challenges in managing CD maturities and expense control, Live Oak can capitalize on opportunities in small-dollar loans and diverse business verticals for future expansion.

Live Oak Bancshares posts strong Q1 results, eyes conventional lending growth

Live Oak Bancshares reported solid Q1 performance with a focus on credit quality and growth in conventional lending.
While facing challenges from increased expenses and potential market changes, the company is well-positioned for future opportunities.
Strategic initiatives in automation, credit scoring, and deposit growth highlight a path for continued growth and efficiency.
The transition to a full-fledged bank signals a return to roots and utilization of expertise for sustained success.

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Live Oak Bancshares, Inc. is a bank holding company for Live Oak Banking Company, which operates as a national online platform for small business lending. It operates through the following segments: Banking, Fintech, and Other. The Banking segment provides financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers, and other customers nationwide. The Fintech segment focuses on making strategic investments in emerging financial technology companies. The company was founded by James S. Mahan III on December 18, 2018 and is headquartered in Wilmington, NC.

Live Oak Bancshares (LOB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: Live Oak Bancshares (LOB) Q1 Earnings Expected to Decline

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10 Banks' Profit Is About To Completely Fall Apart, Analysts Warn

Shares of Live Oak Bancshares have suffered mightily as of late as concerns over a banking crisis have mounted. Although this may cause investors to worry, Live Oak Bancshares is a solid operator that is likely to hold up well even if the crisis isn't contained.

Live Oak Bancshares: The Market Threw The Baby Out With The Bathwater This Time

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Live Oak Bancshares (LOB) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

Live Oak Bancshares (LOB) Surges 8.5%: Is This an Indication of Further Gains?

WILMINGTON, N.C., March 08, 2023 (GLOBE NEWSWIRE) -- Live Oak Ventures, the investment arm of Live Oak Bancshares, Inc., has announced an investment in Pharmacy Marketplace, a software platform created by independent pharmacy owners for independent pharmacy owners to support real-time purchasing decisions.

Live Oak Ventures Participates in Series Seed Financing of Pharmacy Marketplace

By putting safety and profitability ahead of growth, Live Oak may be able to mitigate its biggest risk.

Is This the Biggest Risk to Live Oak Bancshares?

Live Oak Bancshares' stock has struggled over the last year.

Don't Worry, Live Oak Investors: The Long-Term Opportunity Is Very Much Intact

WILMINGTON, N.C., Jan. 31, 2023 (GLOBE NEWSWIRE) -- Live Oak Bank has released its first Voice of the Customer survey, powered by Barlow Research Associates, to deliver insights, industry benchmarks and candid advice to help small business owners define challenges and opportunities.

Live Oak Bank's Voice of the Customer Survey Offers In-Depth Analysis of Customer Sentiment

With a unique focus and excellent asset quality, Live Oak Bancshares deserves a closer look.

This Bank Stock Looks Like a Steal After Strong Earnings

Live Oak Bancshares, Inc. (NYSE:LOB ) Q4 2022 Earnings Conference Call January 26, 2023 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Steve Smits - Chief Credit Officer Conference Call Participants Steven Alexopoulos - JPMorgan Crispin Love - Piper Sandler Michael Perito - KBW Operator Good day and thank you for standing by. Welcome to the Q4 2022 Live Oak Bancshares Inc. Earnings Conference Call.

Live Oak Bancshares, Inc. (LOB) Q4 2022 Earnings Call Transcript

Live Oak Bancshares (LOB) delivered earnings and revenue surprises of -90% and 5.90%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Live Oak Bancshares (LOB) Q4 Earnings and Revenues Lag Estimates

WILMINGTON, N.C., Jan. 25, 2023 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported fourth quarter of 2022 net income of $1.8 million, or $0.04 per diluted share. Net income for the year ended December 31, 2022, totaled $176.2 million, or $3.92 per diluted share.

Live Oak Bancshares, Inc. Reports Fourth Quarter 2022 Results

WILMINGTON, N.C., Jan. 11, 2023 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (“Live Oak”) (NYSE: LOB) today announced that it will report its fourth quarter 2022 financial results after U.S. financial markets close on Wednesday, January 25, 2023.

Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2022 Financial Results

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WILMINGTON, N.C., Dec. 02, 2022 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (Nasdaq: LOB) announced today that it is transferring the listing of its voting common stock to the New York Stock Exchange (NYSE) from The Nasdaq Stock Market LLC (Nasdaq). Live Oak Bancshares' voting common stock will begin trading on the NYSE on December 14, 2022, under its current ticker symbol LOB. Live Oak Bancshares will continue to trade its voting common stock on Nasdaq until the close of the market on December 13, 2022.

Live Oak Bancshares, Inc. Announces Transfer of Listing of Voting Common Stock to the New York Stock Exchange

Live Oak Bancshares, Inc. (NASDAQ:LOB ) Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Neil Lawrence - President & Director Conference Call Participants Steven Alexopoulos - JPMorgan Crispin Love - Piper Sandler Michael Perito - KBW Operator Thank you for standing by, and welcome to Live Oak Bancshares Third Quarter 2022 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to General Counsel and Chief Risk Officer at Live Oak Bank, Greg Seward.

Live Oak Bancshares, Inc. (LOB) Q3 2022 Earnings Call Transcript

Live Oak Bancshares (LOB) delivered earnings and revenue surprises of 113.33% and 34.06%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Live Oak Bancshares (LOB) Q3 Earnings and Revenues Surpass Estimates

WILMINGTON, N.C., Oct. 26, 2022 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (Nasdaq: LOB) (“Live Oak” or “the Company”) today reported third quarter of 2022 net income of $42.9 million, or $0.96 per diluted share. The third quarter of 2022 included a pretax gain of $28.4 million related to the sale of the Company's investment in Payrailz, LLC (“Payrailz”).

Live Oak Bancshares, Inc. Reports Third Quarter 2022 Results

Live Oak Bancshares (LOB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Live Oak Bancshares (LOB) Expected to Beat Earnings Estimates: Should You Buy?

WILMINGTON, N.C., Oct. 14, 2022 (GLOBE NEWSWIRE) -- Live Oak Bank has been named the most active SBA 7(a) lender by dollar amount by the U.S. Small Business Administration for the fifth year in a row.

Live Oak Bank Tops SBA's 100 Most Active 7(A) Lenders

WILMINGTON, N.C., Oct. 12, 2022 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (“Live Oak”) (Nasdaq: LOB) today announced that it will report its third quarter 2022 financial results after U.S. financial markets close on Wednesday, October 26, 2022.

Live Oak Bancshares, Inc. Announces Date of Third Quarter 2022 Financial Results

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