Live Oak Bancshares Reports Q4 Profit Increase to $19.2 Million

Live Oak Bancshares Inc. reported a 12% increase in fourth-quarter net income to $19.2 million, or $1.12 per share, compared to $17.1 million, or $1.01 per share, in the year-earlier period. The San Antonio-based bank holding company attributed the improvement to higher net interest income and reduced provision expenses. The company's total assets reached $7.8 billion as of December 31, 2025, representing a 5% increase from the prior year-end. Loan portfolio growth of 8% contributed to the stronger earnings performance. CEO John Smith stated the results reflect continued execution of the company's strategic initiatives. Live Oak Bancshares trades on the Nasdaq under the symbol LOBL. The stock closed at $28.42 on January 21, 2026, up 3.2% following the earnings announcement.