L LOB

Live Oak Bancshares Inc

$39.04

+0.97% (+$0.38)

Volume 278,620

52W High $42.89

52W Low $27.35

Market Cap $1.70B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.68

Whisper EPS

$0.68

0.4% below consensus

Last Quarter

$0.63

Current Streak

2 Beats

Avg Surprise (4Q)

+0.58%

Next Earnings Report

Reports in 37 days

Report Date Jul 22, 2026

Whisper Spread -0.40%

Consensus Estimate

$0.68

Official analyst average

Whisper Number

$0.68

What traders expect

Neutral Sentiment: The whisper number is close to consensus, suggesting the market expects results roughly in line with analyst expectations.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 29, 2026

1-Day: -0.58%

5-Day: -2.93%

Q1 2026 Apr 22, 2026

1-Day: +3.28%

5-Day: +4.30%

Q4 2025 Jan 21, 2026

1-Day: +4.51%

5-Day: +0.62%

Q4 2025 Dec 31, 2025

5-Day: +4.10%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$289.4M	+20.6%	58.5%	27.7%	$44.1M
Q3'25	$258.4M	+8.5%	46.5%	14.2%	$26.5M
Q2'25	$257.1M	+11.5%	46.2%	12.1%	$23.4M
Q1'25	$236.3M	+7.2%	40.1%	5.6%	$9.7M
Q4'24	$239.9M	+21.1%	38.0%	5.5%	$9.9M
Q3'24	$238.3M	+10.3%	38.5%	7.5%	$13.0M
Q2'24	$230.5M	+19.8%	48.4%	15.6%	$27.0M
Q1'24	$220.6M	+29.8%	46.2%	10.0%	$27.6M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	Apr 29, 2026	$0.58	$0.61	$0.63	+9.18%	Beat
Q1 2026	Apr 22, 2026	$0.58	$0.62	$0.63	+8.62%	Beat
Q4 2025	Jan 21, 2026	$0.56	$0.54	$0.47	-16.07%	Missed
Q4 2025	Dec 31, 2025	$0.56	$0.52	$0.47	-16.33%	Missed
Q3 2025	Oct 22, 2025	$0.60	$0.51	$0.59	-1.67%	Beat
Q2 2025	Jul 23, 2025	$0.50	$0.45	$0.53	+6.00%	Beat
Q1 2025	Apr 23, 2025	$0.37	$0.33	$0.26	-29.73%	Missed
Q4 2024	Jan 22, 2025	$0.53	$0.50	$0.27	-49.06%	Missed
Q3 2024	Oct 23, 2024	$0.55	$0.59	$0.28	-49.09%	Missed
Q2 2024	Jul 24, 2024	$0.47	$0.50	$0.59	+25.53%	Beat
Q1 2024	Apr 24, 2024	$0.47	$0.47	$0.46	-2.13%	Missed
Q4 2023	Jan 24, 2024	$0.51	$0.41	$0.66	+29.41%	Beat