Live Oak Bancshares, Inc.
LOBNYSEFinancial Services● Active
$37.63
+$0.22(+0.59%)
Market Cap$1.7B
P/E Ratio—
52W High$42.89
52W Low$27.17
Live Oak Bancshares, Inc. (LOB) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
LOB · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 22, 2026EPS Actual
$0.60
Est. $0.54 · +11.1%
Revenue
$0.15B
Est. $0.15B · -3.8%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 22, 2026
After Market Close
▲ Beat EPS▼ Miss Revenue✓ 2-Quarter EPS Beat Streak
LOB reports quarterly as a NYSE-listed Banks - Regional company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
—
Rev. $0.00B
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.—
Rev. Est.$0.00B
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 22, 2026 | $0.65 | — | — | — | $0.16B | — |
| ▲ Q2 FY2026 | Apr 22, 2026 | $0.54 | $0.60 | +11.1% | $0.15B | $0.15B | -3.8% |
| ▲ Q1 FY2026 | Jan 21, 2026 | $0.56 | $0.95 | +69.6% | $0.17B | $0.15B | +14.9% |
| ▼ Q4 FY2025 | Oct 22, 2025 | $0.58 | $0.55 | -5.2% | $0.14B | $0.15B | -5.8% |
| ▼ Q3 FY2025 | Jul 23, 2025 | $0.52 | $0.51 | -1.9% | $0.14B | $0.15B | -4.0% |
| ▼ Q2 FY2025 | Apr 23, 2025 | $0.38 | $0.21 | -44.7% | $0.12B | $0.13B | -6.0% |
| ▼ Q1 FY2025 | Jan 22, 2025 | $0.49 | $0.22 | -55.1% | $0.13B | $0.13B | -2.3% |
| ▼ Q4 FY2024 | Oct 23, 2024 | $0.56 | $0.28 | -50.0% | $0.13B | $0.13B | -1.2% |
Q3 FY2026
Jul 22, 2026
EPS Actual
—
EPS Est.
$0.65
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 22, 2026Beat
EPS Actual
$0.60
EPS Est.
$0.54
EPS Surpr.
+11.1%
Revenue
$0.15B
Q1 FY2026
Jan 21, 2026Beat
EPS Actual
$0.95
EPS Est.
$0.56
EPS Surpr.
+69.6%
Revenue
$0.17B
Q4 FY2025
Oct 22, 2025Miss
EPS Actual
$0.55
EPS Est.
$0.58
EPS Surpr.
-5.2%
Revenue
$0.14B
Q3 FY2025
Jul 23, 2025Miss
EPS Actual
$0.51
EPS Est.
$0.52
EPS Surpr.
-1.9%
Revenue
$0.14B
Q2 FY2025
Apr 23, 2025Miss
EPS Actual
$0.21
EPS Est.
$0.38
EPS Surpr.
-44.7%
Revenue
$0.12B
Q1 FY2025
Jan 22, 2025Miss
EPS Actual
$0.22
EPS Est.
$0.49
EPS Surpr.
-55.1%
Revenue
$0.13B
Q4 FY2024
Oct 23, 2024Miss
EPS Actual
$0.28
EPS Est.
$0.56
EPS Surpr.
-50.0%
Revenue
$0.13B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $1.14 | $1.15 | $1.17 | 1 |
| Q3 FY2027 | $1.06 | $1.07 | $1.09 | 1 |
| Q2 FY2027 | $0.94 | $0.95 | $0.96 | 1 |
| Q1 FY2027 | $0.80 | $0.80 | $0.82 | 1 |
| Q4 FY2026 | $0.89 | $0.90 | $0.91 | 1 |
| Q3 FY2026 | $0.78 | $0.81 | $0.85 | 3 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q3 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q2 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q1 FY2027 | $0.2B | $0.2B | $0.2B | 1 |
| Q4 FY2026 | $0.2B | $0.2B | $0.2B | 1 |
| Q3 FY2026 | $0.2B | $0.2B | $0.2B | 2 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▲ Q2 FY2026 | Apr 22, 2026 | +11.1% | $36.40 | $36.29 | -0.30% |
| ▲ Q1 FY2026 | Jan 21, 2026 | +69.6% | $36.71 | $39.00 | +6.24% |
| ▼ Q4 FY2025 | Oct 22, 2025 | -5.2% | $34.77 | $34.65 | -0.35% |
| ▼ Q3 FY2025 | Jul 23, 2025 | -1.9% | $32.01 | $32.35 | +1.06% |
| ▼ Q2 FY2025 | Apr 23, 2025 | -44.7% | $24.96 | $24.67 | -1.16% |
| ▼ Q1 FY2025 | Jan 22, 2025 | -55.1% | $41.33 | $40.76 | -1.38% |
| ▼ Q4 FY2024 | Oct 23, 2024 | -50.0% | $46.77 | $46.64 | -0.28% |
| ▲ Q3 FY2024 | Jul 24, 2024 | +28.3% | $43.45 | $42.87 | -1.33% |
Q2 FY2026-0.30%
Report Date
Apr 22, 2026
EPS Beat/Miss
+11.1%
Price Before
$36.40
Price After
$36.29
Q1 FY2026+6.24%
Report Date
Jan 21, 2026
EPS Beat/Miss
+69.6%
Price Before
$36.71
Price After
$39.00
Q4 FY2025-0.35%
Report Date
Oct 22, 2025
EPS Beat/Miss
-5.2%
Price Before
$34.77
Price After
$34.65
Q3 FY2025+1.06%
Report Date
Jul 23, 2025
EPS Beat/Miss
-1.9%
Price Before
$32.01
Price After
$32.35
Q2 FY2025-1.16%
Report Date
Apr 23, 2025
EPS Beat/Miss
-44.7%
Price Before
$24.96
Price After
$24.67
Q1 FY2025-1.38%
Report Date
Jan 22, 2025
EPS Beat/Miss
-55.1%
Price Before
$41.33
Price After
$40.76
Q4 FY2024-0.28%
Report Date
Oct 23, 2024
EPS Beat/Miss
-50.0%
Price Before
$46.77
Price After
$46.64
Q3 FY2024-1.33%
Report Date
Jul 24, 2024
EPS Beat/Miss
+28.3%
Price Before
$43.45
Price After
$42.87
Avg Beat Reaction+1.54%
Avg Miss Reaction-0.42%
Beat Rate3 / 8 quarters
Largest Move+6.24% (Q1 FY2026)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: LOB ends December
Live Oak Bancshares, Inc. (LOB) most recently reported earnings on April 22, 2026 for Q2 FY2026, posting EPS of $0.60 — beating the analyst consensus of $0.54 by +11.1%. LOB has beaten EPS estimates for 2 consecutive quarters. The next LOB earnings date is expected around September 1, 2026.
Each quarter, investors track LOB earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. LOB revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
LOB's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
LOB earnings · 5 questionsLive Oak Bancshares, Inc.'s next earnings report is expected around September 1, 2026. LOB typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; LOB historically reports after market close (AMC).
LOB earnings datewhen is LOB earningsLOB next earnings datewhen does LOB report earningsLOB earnings calendar
▸ Source: FMP · Live Oak Bancshares, Inc. SEC filings · US GAAP · Live Oak Bancshares, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026