LOB Earnings Date: Jan 20, 2027 (Estimated) — Live Oak Bancshares, Inc.
XNYS · Financials · Banks - Regional
Updated
When is LOB's next earnings date?
Live Oak Bancshares, Inc. (LOB) is expected to report Q4 2026 earnings on Wednesday, January 20, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.91 on revenue of $170.5M.
How did LOB do in its last earnings report?
In its most recent report on Oct 21, 2026 (Q3 2026), Live Oak Bancshares, Inc. posted EPS of $0.52 versus the $0.81 estimate, a miss of 35.8%. Revenue was $175.6M against a $164.5M estimate.
How much does LOB stock move after earnings?
LOB beat EPS estimates in 3 of its last 8 reported quarters. Over the last 2 reports the stock moved an average of 10.3% (up or down) in the day after earnings.
About Live Oak Bancshares, Inc.
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
🤖 AI Earnings Analysis
Live Oak’s regional-banking results were mixed: revenue rose 21% year over year to $176M, beating estimates, but EPS of $0.52 missed by $0.29 and fell from $0.55.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-21 | Q3 2026 | 0.81 | 0.52 | -35.80% | $175.6M | ❌ Miss | — | — | — |
| 2026-07-22 | Q2 2026 | 0.67 | 0.74 | +10.45% | $156.1M | ✅ Beat | — | — | — |
| 2026-04-22 | Q1 2026 | 0.56 | 0.60 | +7.14% | $145.5M | ✅ Beat | — | — | — |
| 2026-01-21 | Q4 2025 | 0.56 | 0.95 | +69.64% | $172.9M | ✅ Beat | — | — | — |
| 2025-10-22 | Q3 2025 | 0.59 | 0.55 | -6.78% | $146.1M | ❌ Miss | — | — | — |
| 2025-04-23 | Q1 2025 | 0.37 | 0.21 | -43.24% | $126.1M | ❌ Miss | +6.58% | +5.49% | +8.76% |
| 2025-01-22 | Q4 2024 | 0.53 | 0.22 | -58.49% | $128.1M | ❌ Miss | -13.96% | -12.71% | -21.52% |
| 2024-10-23 | Q3 2024 | 0.55 | 0.28 | -49.09% | $129.9M | ❌ Miss | — | — | — |
Showing last 8 quarters.