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LOB · Live Oak Bancshares, Inc. · Earnings Call Transcripts & Audio

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$36.00 -0.19 (-0.53%)
Russell 2000 member Rebalance outlook locked
Market Cap
$1.73B
Shares
46.28M
Volume · Oct 1 67.62K Avg daily vol (3M) 217.33K

Live Oak Bancshares, Inc. Earnings Call Transcripts

Quarterly earnings calls for Live Oak Bancshares, Inc. (LOB), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Pull transcripts and briefs through the earnings call transcript API or MCP →
Earnings call
FY26 · Q2
2026-07-23
Live Oak Bancshares, Inc. (LOB) Q2 2026 Earnings Call Transcript
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. (LOB) Q1 2026 Earnings Call Transcript
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. (LOB) Q4 2025 Earnings Call Transcript
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. (LOB) Q3 2025 Earnings Call Transcript
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. (LOB) Q2 2025 Earnings Call Transcript
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. (LOB) Q1 2025 Earnings Call Transcript
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. (LOB) Q4 2024 Earnings Call Transcript
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. (LOB) Q3 2024 Earnings Call Transcript
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. (LOB) Q2 2024 Earnings Call Transcript
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. (LOB) Q1 2024 Earnings Call Transcript
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. (LOB) Q4 2023 Earnings Call Transcript
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. (LOB) Q3 2023 Earnings Call Transcript
Diluted EPS
$0.88
▼ 8.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-26
Live Oak Bancshares, Inc. (LOB) Q2 2023 Earnings Call Transcript
Diluted EPS
$0.39
▼ 81.9% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Live Oak Bancshares, Inc. (LOB) Q1 2023 Earnings Call Transcript
Diluted EPS
$0.01
▼ 98.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-01-26
Live Oak Bancshares, Inc. (LOB) Q4 2022 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Live Oak Bancshares, Inc. (LOB) Q3 2022 Earnings Call Transcript
Diluted EPS
$0.96
▲ 26.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Live Oak Bancshares, Inc. (LOB) Q2 2022 Earnings Call Transcript
Diluted EPS
$2.16
▲ 53.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Live Oak Bancshares, Inc. (LOB) Q1 2022 Earnings Call Transcript
Diluted EPS
$0.76
▼ 13.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-26
Live Oak Bancshares, Inc. (LOB) Q4 2021 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Live Oak Bancshares, Inc. (LOB) Q3 2021 Earnings Call Transcript
Diluted EPS
$0.76
▼ 6.2% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-22
Live Oak Bancshares, Inc. (LOB) Q2 2021 Earnings Call Transcript
Diluted EPS
$1.41
▲ 1466.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-22
Live Oak Bancshares, Inc. (LOB) Q1 2021 Earnings Call Transcript
Diluted EPS
$0.88
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Live Oak Bancshares, Inc. (LOB) Q4 2020 Earnings Call Transcript
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-22
Live Oak Bancshares, Inc. (LOB) Q3 2020 Earnings Call Transcript
Diluted EPS
$0.81
▲ 800% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-23
Live Oak Bancshares, Inc. (LOB) Q2 2020 Earnings Call Transcript
Diluted EPS
$0.09
▼ 25% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-23
Live Oak Bancshares, Inc. (LOB) Q1 2020 Earnings Call Transcript
Diluted EPS
$-0.19
▼ 416.7% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-23
Live Oak Bancshares, Inc. (LOB) Q4 2019 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) 5 filings 5 filers Visit website Investor relations