Live Oak Bancshares (LOB) Posts Q4 Profit of $46.2M, Beats Estimates

Live Oak Bancshares Inc. (LOB) reported fourth-quarter net income of $46.2 million, or 95 cents per share, on revenue of $289.4 million, surpassing analyst expectations. Revenue net of interest expense reached $172.9 million, exceeding Wall Street forecasts. Analysts polled by Zacks Investment Research had projected earnings of 56 cents per share. For the full year, the Wilmington, North Carolina-based bank holding company recorded profit of $105.9 million, or $2.23 per share, on annual revenue of $577.8 million. Results reflect stronger-than-expected performance in the final quarter of 2025.