Live Oak Bancshares, Inc. (LOB) Earnings History
Annual and quarterly earnings data from 2011 to 2025
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LOB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
LOB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 48.3% | 15.5% | 10.0% |
| 2024 | 42.7% | 9.6% | 8.3% |
| 2023 | 49.2% | 10.7% | 9.5% |
| 2022 | 69.0% | 41.3% | 34.6% |
| 2021 | 84.3% | 41.6% | 33.0% |
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Live Oak Bancshares, Inc. (LOB) Earnings Overview
As of May 8, 2026, Live Oak Bancshares, Inc. (LOB) reported trailing twelve-month net income of $104M, reflecting +31.4% year-over-year growth. The company earned $2.24 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 ($243M net income, 30.2% margin), TCBK ($122M net income, 22.8% margin), SMBC ($65M 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% |
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Start ComparisonLOB — Frequently Asked Questions
Quick answers to the most common questions about buying LOB stock.
Is LOB growing earnings?
LOB EPS is $2.24, with earnings growth accelerating to +31.4%. This exceeds the 5-year CAGR of +9.2%. TTM net income reached $104M.
What are LOB's profit margins?
Live Oak Bancshares, Inc. net margin is +10.0%, with operating margin at +15.5%. Margins sit within typical range for the sector.
How consistent are LOB's earnings?
LOB earnings data spans 2011-2025. The accelerating earnings trend is +31.4% YoY. Historical data enables comparison across business cycles.