Live Oak Bancshares Past Earnings Performance
Past criteria checks 4/6
Live Oak Bancshares has been growing earnings at an average annual rate of 9.9%, while the Banks industry saw earnings growing at 6.6% annually. Revenues have been growing at an average rate of 12.6% per year. Live Oak Bancshares's return on equity is 7.7%, and it has net margins of 19.2%.
Key information
9.9%
Earnings growth rate
8.6%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 12.6% |
| Return on equity | 7.7% |
| Net Margin | 19.2% |
| Last Earnings Update | 31 Dec 2024 |
Recent past performance updates
Recent updates
Live Oak Bancshares: Originations Reach Record Levels, But Net Charge-Offs Increase
Jan 24Live Oak Bancshares: Loan Originations Spike, But Credit Risk Worries
Oct 28Live Oak Bancshares: CD Related Costs Could Become A Tailwind
Jul 26Live Oak Bancshares: Time For A Downgrade
Dec 13Live Oak Bancshares: Solid Deposit Growth, But Expensive Price
Sep 21Live Oak Bancshares: Doubts About The Future
Jun 18Live Oak Bancshares GAAP EPS of $0.04 misses by $0.37, revenue of $104.97M misses by $7.04M
Jan 25Live Oak Bancshares: Slow Down Ahead But Topline Growth Likely To Remain Positive
Jan 19Live Oak Bancshares (NYSE:LOB) Ticks All The Boxes When It Comes To Earnings Growth
Jan 09
Revenue & Expenses Breakdown
How Live Oak Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 24 | 403 | 77 | 273 | 0 |
| 30 Sep 24 | 406 | 84 | 270 | 0 |
| 30 Jun 24 | 427 | 111 | 266 | 0 |
| 31 Mar 24 | 409 | 101 | 264 | 0 |
| 31 Dec 23 | 391 | 74 | 261 | 0 |
| 30 Sep 23 | 372 | 60 | 262 | 0 |
| 30 Jun 23 | 375 | 63 | 263 | 0 |
| 31 Mar 23 | 482 | 142 | 264 | 0 |
| 31 Dec 22 | 508 | 176 | 256 | 0 |
| 30 Sep 22 | 539 | 205 | 241 | 0 |
| 30 Jun 22 | 518 | 196 | 224 | 0 |
| 31 Mar 22 | 448 | 162 | 207 | 0 |
| 31 Dec 21 | 439 | 167 | 197 | 0 |
| 30 Sep 21 | 396 | 166 | 188 | 0 |
| 30 Jun 21 | 385 | 166 | 176 | 0 |
| 31 Mar 21 | 305 | 107 | 168 | 0 |
| 31 Dec 20 | 240 | 60 | 166 | 0 |
| 30 Sep 20 | 229 | 37 | 159 | 0 |
| 30 Jun 20 | 190 | 7 | 161 | 0 |
| 31 Mar 20 | 181 | 8 | 153 | 0 |
| 31 Dec 19 | 188 | 18 | 144 | 0 |
| 30 Sep 19 | 174 | 22 | 133 | 0 |
| 30 Jun 19 | 177 | 32 | 130 | 0 |
| 31 Mar 19 | 188 | 41 | 130 | 0 |
| 31 Dec 18 | 198 | 51 | 130 | 0 |
| 30 Sep 18 | 273 | 113 | 130 | 0 |
| 30 Jun 18 | 264 | 111 | 125 | 0 |
| 31 Mar 18 | 252 | 107 | 119 | 0 |
| 31 Dec 17 | 241 | 100 | 113 | 0 |
| 30 Sep 17 | 163 | 34 | 101 | 0 |
| 30 Jun 17 | 152 | 25 | 96 | 0 |
| 31 Mar 17 | 135 | 15 | 91 | 0 |
| 31 Dec 16 | 128 | 14 | 82 | 0 |
| 30 Sep 16 | 120 | 14 | 86 | 0 |
| 30 Jun 16 | 110 | 13 | 78 | 0 |
| 31 Mar 16 | 112 | 17 | 70 | 0 |
| 31 Dec 15 | 106 | 21 | 64 | 0 |
| 30 Sep 15 | 94 | 17 | 57 | 0 |
| 30 Jun 15 | 91 | 15 | 53 | 0 |
| 31 Mar 15 | 81 | 18 | 46 | 0 |
| 31 Dec 14 | 72 | 10 | 43 | 0 |
Quality Earnings: LOB has high quality earnings.
Growing Profit Margin: LOB's current net profit margins (19.2%) are higher than last year (18.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: LOB's earnings have grown by 9.9% per year over the past 5 years.
Accelerating Growth: LOB's earnings growth over the past year (4.8%) is below its 5-year average (9.9% per year).
Earnings vs Industry: LOB earnings growth over the past year (4.8%) exceeded the Banks industry -2.7%.
Return on Equity
High ROE: LOB's Return on Equity (7.7%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/02 05:40 |
| End of Day Share Price | 2025/01/31 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Live Oak Bancshares, Inc. is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Steven Alexopoulos | J.P. Morgan |
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Timothy Switzer | Keefe, Bruyette, & Woods |