LOB · Live Oak Bancshares, Inc.
$43.27
-0.07 (-0.16%)
At close · Aug 14
Market Cap
$2.00B
Shares
46.28M
Live Oak Bancshares, Inc. Earnings Call Transcripts
Every quarterly earnings call for Live Oak Bancshares, Inc. (LOB) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Earnings call
FY26 · Q2
2026-07-23
Q2 2026 Live Oak Bancshares Inc Earnings Conference Call
Confident tone
Loan growth and pipeline momentum
Provision expense normalization
Live Oak Express SBA production
Diluted EPS
$0.74
▲ 45.1% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-23
Live Oak Bancshares, Inc. Q1 FY2026 Earnings Call
Confident tone
Live Oak Express
Credit quality
Earnings momentum and operating leverage
Diluted EPS
$0.60
▲ 185.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-22
Live Oak Bancshares, Inc. Q4 FY2025 Earnings Call
Confident tone
Live Oak Express (small dollar SBA)
Loan production and growth
Credit quality
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-23
Live Oak Bancshares, Inc. Q3 FY2025 Earnings Call
Confident tone
Credit quality and charge-offs
Capital, ventures and embedded finance
Loan growth and portfolio
Diluted EPS
$0.55
▲ 96.4% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-24
Live Oak Bancshares, Inc. Q2 FY2025 Earnings Call
Confident tone
Gain on Sale / Loan Sales Market
Loan Originations and Growth
Credit Quality Improvement
Diluted EPS
$0.51
▼ 13.6% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-24
Live Oak Bancshares, Inc. Q1 FY2025 Earnings Call
Positive tone
Small business credit cycle and provisioning
Economic and policy uncertainty (tariffs, SBA)
Loan and deposit growth momentum
Diluted EPS
$0.21
▼ 65% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-23
Live Oak Bancshares, Inc. Q4 FY2024 Earnings Call
Positive tone
Small business sentiment and SBA leadership
Credit quality and provision
Net interest margin compression
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-24
Live Oak Bancshares, Inc. Q3 FY2024 Earnings Call
Confident tone
Loan growth and production
Momentum and outlook
Credit quality and provisioning
Diluted EPS
$0.28
▼ 68.2% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-25
Live Oak Bancshares, Inc. Q2 FY2024 Earnings Call
Confident tone
Net interest margin trajectory
Loan growth and originations
Expense management and investment
Diluted EPS
$0.59
▲ 51.3% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Live Oak Bancshares, Inc. Q1 FY2024 Earnings Call
Confident tone
Loan Originations and Pipeline
Deposit Growth and Pricing
SBA Small Loan Automation
Diluted EPS
$0.60
▲ 5900% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Live Oak Bancshares, Inc. Q4 FY2023 Earnings Call
Confident tone
Credit Quality
Loan Growth and Originations
Funding and Deposit Costs
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-26
Live Oak Bancshares, Inc. Q3 FY2023 Earnings Call
Diluted EPS
$0.88
▼ 8.3% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-26
Live Oak Bancshares, Inc. Q2 FY2023 Earnings Call
Diluted EPS
$0.39
▼ 81.9% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Live Oak Bancshares, Inc. Q1 FY2023 Earnings Call
Diluted EPS
$0.01
▼ 98.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-26
Live Oak Bancshares, Inc. Q4 FY2022 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Live Oak Bancshares, Inc. Q3 FY2022 Earnings Call
Diluted EPS
$0.96
▲ 26.3% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Live Oak Bancshares, Inc. Q2 FY2022 Earnings Call
Diluted EPS
$2.16
▲ 53.2% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Live Oak Bancshares, Inc. Q1 FY2022 Earnings Call
Diluted EPS
$0.76
▼ 13.6% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-26
Live Oak Bancshares, Inc. Q4 FY2021 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Live Oak Bancshares, Inc. Q3 FY2021 Earnings Call
Diluted EPS
$0.76
▼ 6.2% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-22
Live Oak Bancshares, Inc. Q2 FY2021 Earnings Call
Diluted EPS
$1.41
▲ 1466.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-22
Live Oak Bancshares, Inc. Q1 FY2021 Earnings Call
Diluted EPS
$0.88
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Live Oak Bancshares, Inc. Q4 FY2020 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-22
Live Oak Bancshares, Inc. Q3 FY2020 Earnings Call
Diluted EPS
$0.81
▲ 800% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-23
Live Oak Bancshares, Inc. Q2 FY2020 Earnings Call
Diluted EPS
$0.09
▼ 25% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-23
Live Oak Bancshares, Inc. Q1 FY2020 Earnings Call
Diluted EPS
$-0.19
▼ 416.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-23
Live Oak Bancshares, Inc. Q4 FY2019 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls
Key facts
CIK
1462120
CUSIP
53803X105
13F (30d)
233 filings
221 filers
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