Live Oak Bancshares, Inc. (LOB) Earnings History
Steady Earner15 years of earnings data (2011–2025) · Positive but moderate multi-year EPS trajectory
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Live Oak Bancshares, Inc. (LOB) Earnings Overview
As of June 28, 2026, Live Oak Bancshares, Inc. (LOB) reported trailing twelve-month net income of $124M, reflecting +31.4% year-over-year growth. The company earned $2.68 per diluted share over the past four quarters, with a net profit margin of 10.0%.
Looking at the long-term picture, LOB's 5-year EPS compound annual growth rate (CAGR) stands at +9.2%, showing solid earnings momentum. The company achieved its highest annual net income of $176M in fiscal 2022.
Live Oak Bancshares, Inc. maintains positive profitability with a gross margin of 48.3%, operating margin of 15.5%, and net margin of 10.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including FFIN ($264M net income, 30.7% margin), TCBK ($129M net income, 22.8% margin), SMBC ($67M net income, 19.1% margin), LOB has room to improve margins relative to the peer group. Compare LOB vs FFIN →
LOB Earnings vs Peers
Earnings metrics vs comparable public companies
LOB Historical Earnings Data (2011–2025)
15 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $104M | +34.0% | $161M | $2.22 | 10.0% | 15.5% |
| 2024 | $77M | +4.8% | $89M | $1.69 | 8.3% | 9.6% |
| 2023 | $74M | -58.1% | $83M | $1.64 | 9.5% | 10.7% |
| 2022 | $176M | +5.5% | $210M | $3.92 | 34.6% | 41.3% |
| 2021 | $167M | +180.5% | $211M | $3.71 | 33.0% | 41.6% |
| 2020 | $60M | +230.2% | $47M | $1.43 | 15.7% | 12.5% |
| 2019 | $18M | -64.9% | $23M | $0.44 | 6.2% | 8.1% |
| 2018 | $51M | -48.8% | $46M | $1.24 | 20.3% | 18.2% |
| 2017 | $100M | +629.7% | $98M | $2.65 | 49.4% | 48.3% |
| 2016 | $14M | -33.2% | $17M | $0.39 | 9.5% | 11.9% |
| 2015 | $21M | +105.3% | $34M | $0.65 | 18.3% | 30.5% |
| 2014 | $10M | -64.2% | $17M | $0.34 | 12.4% | 21.5% |
| 2013 | $28M | +74.4% | $28M | $0.96 | 46.3% | 46.1% |
| 2012 | $16M | +12.5% | $15M | $0.41 | 29.7% | 27.3% |
| 2011 | $14M | - | $14M | $0.49 | 35.0% | 35.0% |
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LOB — Frequently Asked Questions
Quick answers to the most common questions about buying LOB stock.
What is LOB earnings per share (EPS)?
LOB trailing twelve-month (TTM) diluted EPS is $2.68, reflecting +31.4% year-over-year growth. The 5-year EPS CAGR is +9.2%. Complete EPS history from 2011 to 2025 is available in the table on this page.
What is Live Oak Bancshares, Inc.'s net income?
Live Oak Bancshares, Inc. (LOB) trailing twelve-month net income is $124M as of 2025. Earnings grew +31.4% year-over-year. Live Oak Bancshares, Inc. has been profitable for 15 consecutive years.
Is LOB profitable?
Yes, LOB is profitable with a TTM net income of $124M and a net profit margin of +10.0%. Live Oak Bancshares, Inc. has generated profits for 15 consecutive years.
What is LOB's earnings growth rate?
LOB compound annual EPS growth rates (CAGR): 1-Year: +31.4%, 3-Year: -17.3%, 5-Year: +9.2%, 10-Year: +13.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2011 to 2025.
What are LOB's profit margins?
Live Oak Bancshares, Inc. net profit margin is +10.0%, operating margin is +15.5%, and gross margin is +48.3%. Margins are within a typical range for the sector. Return on Equity is +9.2%.
Is LOB growing earnings?
Yes, LOB earnings are accelerating — EPS growth of +31.4% exceeds the 5-year CAGR of +9.2%. TTM net income reached $124M. Earnings momentum is strengthening.
What was LOB's best earnings year?
Live Oak Bancshares, Inc.'s highest annual net income on record is $176M, achieved in fiscal year 2022. Earnings history on this page spans 2011 to 2025 and includes all annual and quarterly figures.
What were LOB's earnings last quarter?
LOB's most recent reported quarter was Q1 2026. Net income was $30M with diluted EPS of $0.60. For a full breakdown of all quarters, see the quarterly earnings table on this page.