LOB Stock: Price, Earnings History and SEC Filings
Live Oak Bancshares, Inc. (LOB) last traded at $34.47, down 1.71% on the latest session and down 4.8% over the past month. In its most recent reported quarter (Sep 2026) earnings per share were $0.52 against an analyst estimate of $0.64, a miss of 18.8%.
Price data from Yahoo Finance, as of Oct 30, 2026. May be delayed.
LOB earnings history
| Quarter | Reported | EPS | Estimate | Surprise |
|---|---|---|---|---|
| Sep 2026 | Oct 21, 2026 | $0.52 | $0.64 | -18.75% |
| Jun 2026 | Jul 22, 2026 | $0.74 | $0.64 | +15.62% |
| Mar 2026 | Apr 22, 2026 | $0.60 | $0.54 | +11.11% |
| Dec 2025 | Jan 21, 2026 | $0.95 | $0.56 | +69.64% |
LOB beat the analyst EPS estimate in 3 of its last 4 reported quarters. Source: Nasdaq.
How LOB reacts to earnings
Across its last 8 earnings releases, LOB moved 4.6% on average the next session, in either direction. It rose after 6 of 8 reports.
| Report date | Released | Next-session move |
|---|---|---|
| 2026-10-21 | After close | +1.02% |
| 2026-07-22 | After close | +3.90% |
| 2026-04-22 | After close | +3.28% |
| 2026-01-21 | After close | +4.51% |
| 2025-10-22 | After close | -3.29% |
| 2025-07-23 | After close | +0.56% |
| 2025-04-23 | After close | +6.58% |
| 2025-01-22 | After close | -13.96% |
Based on the dates of earnings-release 8-K filings (SEC EDGAR) and daily closing prices (Yahoo Finance). Past reactions do not predict future ones.
LOB financial history
| Fiscal year | Revenue | Net income | Free cash flow | Net margin | Diluted EPS |
|---|---|---|---|---|---|
| 2025 | – | $106M | $143M | – | $2.23 |
| 2024 | – | $77M | $107M | – | $1.69 |
| 2023 | – | $74M | $138M | – | $1.64 |
| 2022 | – | $176M | -$344M | – | $3.92 |
| 2021 | – | $167M | -$123M | – | $3.71 |
| 2020 | – | $60M | -$282M | – | $1.43 |
| 2019 | – | $18M | -$520M | – | $0.44 |
| 2018 | – | $51M | -$105M | – | $1.24 |
Source: annual figures from 10-K filings on SEC EDGAR. The year shown is the calendar year the fiscal year ended. Free cash flow is operating cash flow minus capital spending.
Latest SEC filings for LOB
- 8-K · Oct 21, 2026Results of operations, Financial statements and exhibits
- 8-K · Oct 20, 2026Officer or director change
- 8-K · Aug 28, 2026Other events
- 8-K · Aug 18, 2026Other events
- 10-Q · Aug 4, 2026
- 8-K · Jul 22, 2026Results of operations, Financial statements and exhibits
- 8-K · Jul 2, 2026Officer or director change
- 8-K · Jun 18, 2026Officer or director change
- 8-K · May 22, 2026Officer or director change, Shareholder vote, Financial statements and exhibits
- 8-K · May 19, 2026Other events
Insider filing activity
LOB insiders filed 19 Form 4 reports in the last 90 days. A Form 4 is how directors and executives disclose purchases, sales and grants of company stock. See the individual filings on SEC EDGAR. Many Form 4 filings are routine, such as scheduled sales or option exercises, so check each filing before drawing a conclusion.
Source: SEC EDGAR.
LOB news
- 3 Banking Stocks That Could Benefit From Higher Rates in the USOct 31, 2026 · finance.yahoo.com
- Live Oak Bancshares (LOB) Stock Still Looks Cheap After a 61% FallOct 27, 2026 · finance.yahoo.com
- Live Oak Bancshares: 3 Key Takeaways for Long-Term InvestorsOct 26, 2026 · fool.com
- Live Oak Bancshares (LOB) On Mixed Earnings And Rising Charge Offs Looks UndervaluedOct 26, 2026 · finance.yahoo.com
- How Rising Charge Offs At Live Oak Bancshares (LOB) Have Changed Its Investment StoryOct 26, 2026 · finance.yahoo.com
- LOB Q3 deep dive: strong loan growth and operational leverage offset credit headwindsOct 23, 2026 · finance.yahoo.com
- 5 insightful analyst questions from Live Oak Bancshares’s Q3 earnings callOct 23, 2026 · finance.yahoo.com
- Live Oak Bancshares (LOB) Q3 Earnings Absorb Distillery Charge And Higher ProvisionsOct 23, 2026 · finance.yahoo.com
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. (LOB) is a US-listed public company on NYSE. The SEC classifies its business as State Commercial Banks. It is incorporated in NC. Its fiscal year ends in December.