Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+3.75%
$36.70
100% positive prob.
5-Day Prediction
+8.20%
$38.27
100% positive prob.
20-Day Prediction
+7.33%
$37.96
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | BUY | +3.75% | +8.20% | +7.33% | 100.0% | Pending |
| Q2 2026 | SELL | -3.79% | -8.19% | -5.33% | 100.0% | Pending |
| Q1 2026 | BUY | +3.80% | +9.22% | +8.96% | 100.0% | +4.22% |
| Q4 2025 | SELL | -5.17% | -9.26% | -6.72% | 100.0% | -1.77% |
SEC 8-K filings with transcript text
Oct 21, 2026 · 100% conf.
1D
+3.75%
$36.70
Act: +1.02%
5D
+8.20%
$38.27
20D
+7.33%
$37.96
2 lob-20261021exx991.htm
Document
Exhibit 99.1
Live Oak Bancshares, Inc. Reports Third Quarter 2026 Results
WILMINGTON, NC, October 21, 2026 - Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported third quarter of 2026 net income attributable to common shareholders of $24.3 million, or $0.52 per diluted common share.
Live Oak’s performance in the quarter, compared to the second quarter of 2026 and third quarter of 2025, includes these notable items:
•Net interest income increased 6.1% and 15.2% compared to the second quarter of 2026 and third quarter of 2025, respectively. Net interest margin decreased 3 basis points during the third quarter of 2026 from 3.33% for the second quarter of 2026 and third quarter of 2025 to 3.30%
•Revenue (comprised of net interest income and noninterest income) increased 12.5% and 23.4% compared to the second quarter of 2026 and third quarter of 2025, respectively, and noninterest expense increased 1.4% and 2.6% compared to the second quarter of 2026 and third quarter of 2025, respectively, which generated a 25.6% and 52.9% increase in pre-provision net revenue1 compared to the second quarter of 2026 and third quarter of 2025, respectively
•Strong loan production of $2.1 billion accompanied by strong deposit growth of $920.6 million during the third quarter of 2026, compared to June 30, 2026, with total assets growing by 5.8% and 15.7% to $17.0 billion as of September 30, 2026, compared to June 30, 2026 and September 30, 2025, respectively
•Provision expense for credit losses of $54.7 million for the third quarter of 2026, increased $28.9 million and $32.5 million compared to the second quarter of 2026 and third quarter of 2025, respectively. The provision in the third quarter of 2026 was primarily driven by decisive action of $17.0 million related to the stressed distillery portfolio and reserves to support continued loan growth
“The fundamental story at Live Oak is that our franchise is getting stronger. Our operating leverage is improving, Live Oak Express continues to accelerate, and our deposit franchise is marching with gaining momentum,” said Live Oak Chairman and CEO James S. (Chip) Mahan III. “The earnings power of this business is expanding because revenue growth is meaningfully outpacing expenses, our loan origination engine is running strong, and our strategic initiatives are delivering results. This operating leverage momentum has aided in absorbing the elevated provision expense in the quarter, which primarily supported record loan growth while also our continued efforts to decisively act to address stress in our distillery-related portfolio. As I think about our operating earnings model, strong loan pipeline, and the possibilities that AI may unlock for both our customers and our employees, I am truly excited about Live Oak’s future.”
Conference Call
Live Oak will host a conference call to discuss the Company's financial results and business outlook tomorrow, October 22, 2026, at 9:00 a.m. ET. The call will be accessible by telephone and webcast. A supplementary slide presentation will be posted to the website prior to the event, and a replay will be available for 12 months following the event. The conference call details are as follows:
Live Telephone Dial-In
Meeting ID: 300 750 082
Live Webcast Log-In
Webcast Link: investor.liveoakbank.com
Registration: Name and Email Required
Analyst Registration
To participate in Q&A, analysts must receive a unique passcode. Please follow instructions located at investor.liveoakbank.com.
(1)See accompanying GAAP to Non-GAAP Reconciliation.
1
Third Quarter 2026 Key Measures
(Dollars in thousands, except per share data)3Q 2026 Change vs.
Total revenue (1) $175,646 $156,145 $142,330 $19,501 12.5 %$33,316 23.4 %
Total noninterest expense85,720 84,525 83,516 1,195 1.4 2,204 2.6
Provision for credit losses54,700 25,800 22,242 28,900 112.0 32,458 145.9
Income before taxes35,226 45,820 36,572 (10,594)(23.1)(1,346)(3.7)
Effective tax rate25.4 %19.9 %27.6 %n/an/an/an/a
Net income attributable to common shareholders$24,260 $34,701 $25,562 $(10,441)(30.1)%$(1,302)(5.1)%
Diluted earnings per common share0.52 0.74 0.55 (0.22)(29.7)(0.03)(5.5)
Loan and lease production2,133,637 1,548,432 1,648,711 585,205 37.8 484,926 29.4
Total loans and leases13,869,854 13,142,671 11,915,511 727,183 5.5 1,954,343 16.4
Total assets16,965,575 16,038,141 14,665,902 927,434 5.8 2,299,673 15.7
Total deposits15,468,175 14,547,526 13,290,723 920,649 6.3 2,177,452 16.4
(1)Total revenue consists of net interest income and total noninterest income.
2
Important Note Regarding Forward-Looking Statements
Statements in this press release that are based on other than historical data or that express the Company’s plans or expectations regarding future events or determinations are forward-looking within the meaning of the Priv
Jul 22, 2026 · 100% conf.
1D
-3.79%
$39.50
Act: +3.90%
5D
-8.19%
$37.69
20D
-5.33%
$38.86
2 lob-20260722exx991.htm
Document
Exhibit 99.1
Live Oak Bancshares, Inc. Reports Second Quarter 2026 Results
WILMINGTON, NC, July 22, 2026 - Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported second quarter of 2026 net income attributable to common shareholders of $34.7 million, or $0.74 per diluted common share.
Live Oak’s performance in the quarter, compared to the first quarter of 2026 and second quarter of 2025, includes these notable items:
•Strong loan production of $1.55 billion accompanied by strong deposit growth of $712.5 million as of June 30, 2026, compared to March 31, 2026, with total assets growing by 4.8% and 16.0% to $16.04 billion as of June 30, 2026, compared to March 31, 2026 and June 30, 2025, respectively
•Net interest income increased 5.0% and 14.8% compared to the first quarter of 2026 and second quarter of 2025, respectively. Net interest margin increased 6 basis points during the second quarter of 2026 from 3.27% for the first quarter of 2026 to 3.33% and increased 5 basis points compared to the second quarter of 2025
•Revenue (comprised of net interest income and noninterest income) increased 7.3% and 11.8% compared to the first quarter of 2026 and second quarter of 2025, respectively, and noninterest expense decreased 0.9% and 0.8% compared to the first quarter of 2026 and second quarter of 2025, respectively, which generated a 19.0% and 31.5% increase in pre-provision net revenue1 compared to the first quarter of 2026 and second quarter of 2025, respectively
•Provision expense for credit losses of $25.8 million for the second quarter of 2026, increased $5.7 million and $2.5 million compared to the first quarter of 2026 and second quarter of 2025, respectively
“Live Oak Bank’s performance in the second quarter includes several milestones worth highlighting,” said Live Oak Chairman and CEO James S. (Chip) Mahan III. “With $1.5 billion of loan originations, record Live Oak Express small dollar originations and strong checking balance growth, Live Oak layered another strong quarter of sustainable momentum across our core business. We are dedicated to serving American business owners with the capital and banking excellence they need, and our shareholders are seeing our path to success taking shape. It is an exciting time to be part of Live Oak’s journey, and I am incredibly proud of our teams."
Conference Call
Live Oak will host a conference call to discuss the Company's financial results and business outlook tomorrow, July 23, 2026, at 9:00 a.m. ET. The call will be accessible by telephone and webcast. A supplementary slide presentation will be posted to the website prior to the event, and a replay will be available for 12 months following the event. The conference call details are as follows:
Live Telephone Dial-In
Meeting ID: 646976405
Live Webcast Log-In
Webcast Link: investor.liveoakbank.com
Registration: Name and Email Required
Analyst Registration
To participate in Q&A, analysts must receive a unique passcode. Please follow instructions located at investor.liveoakbank.com.
(1)See accompanying GAAP to Non-GAAP Reconciliation.
1
Second Quarter 2026 Key Measures
(Dollars in thousands, except per share data)2Q 2026 Change vs.
Total revenue (1) $156,145 $145,474 $139,676 $10,671 7.3 %$16,469 11.8 %
Total noninterest expense84,525 85,293 85,222 (768)(0.9)(697)(0.8)
Provision for credit losses25,800 20,100 23,252 5,700 28.4 2,548 11.0
Income before taxes45,820 40,081 31,202 5,739 14.3 14,618 46.8
Effective tax rate19.9 %25.3 %25.0 %n/an/an/an/a
Net income attributable to common shareholders$34,701 $27,946 $23,428 $6,755 24.2 %$11,273 48.1 %
Diluted earnings per common share0.74 0.60 0.51 0.14 23.3 0.23 45.1
Loan and lease production1,548,432 1,368,311 1,526,592 180,121 13.2 21,840 1.4
Total loans and leases13,142,671 12,593,529 11,364,846 549,142 4.4 1,777,825 15.6
Total assets16,038,141 15,300,033 13,831,208 738,108 4.8 2,206,933 16.0
Total deposits14,547,526 13,835,058 12,594,790 712,468 5.1 1,952,736 15.5
(1)Total revenue consists of net interest income and total noninterest income.
2
Important Note Regarding Forward-Looking Statements
Statements in this press release that are based on other than historical data or that express the Company’s plans or expectations regarding future events or determinations are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. Statements based on historical data are not intended and should not be understood to indicate the Company’s expectations regarding future events. Forward-looking statements provide current expectations or forecasts of future events or determinations. These forward-looking statements are not guarantees of future performance or determinations, nor should they be relied upon as representing management’s views as of any subsequent date. Forward
Apr 22, 2026 · 100% conf.
1D
+3.80%
$37.67
Act: +3.28%
5D
+9.22%
$39.64
Act: +4.22%
20D
+8.96%
$39.54
Act: +2.07%
2 lob-20260422exx991.htm
Document
Exhibit 99.1
Live Oak Bancshares, Inc. Reports First Quarter 2026 Results
WILMINGTON, NC, April 22, 2026 - Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported first quarter of 2026 net income attributable to common shareholders of $27.9 million, or $0.60 per diluted common share.
Live Oak’s performance in the quarter, compared to the fourth quarter of 2025 and first quarter of 2025, includes these notable items:
•Strong loan production of $1.37 billion accompanied by strong deposit growth of $146.4 million in the first quarter of 2026, with total assets growing by 1.1% and 12.5% to $15.30 billion compared to the fourth quarter of 2025 and first quarter of 2025, respectively
•Net interest income decreased 3.0% and increased 18.8% compared to the fourth quarter of 2025 and first quarter of 2025, respectively. Net interest margin decreased 11 basis points during the first quarter of 2026 from 3.38% for the fourth quarter of 2025 to 3.27% and increased 7 basis points compared to the first quarter of 2025
•Revenue (comprised of net interest income and noninterest income) decreased 15.9% and increased 18.4% compared to the fourth quarter of 2025 and first quarter of 2025, respectively, and noninterest expense decreased 4.3% and increased 5.6% compared to the fourth quarter of 2025 and first quarter of 2025, respectively, which generated a 28.1% decrease and 43.0% increase in pre-provision net revenue1 compared to the fourth quarter of 2025 and first quarter of 2025, respectively. The decrease in revenue and pre-provision net revenue1 compared to the fourth quarter of 2025 is largely related to a $24.1 million pre-tax gain related to the sale of Apiture, Inc. and $9.0 million gain arising from the sale of a portfolio investment in the fourth quarter of 2025
•Provision expense for credit losses of $20.1 million for the first quarter of 2026, decreased $1.7 million and $8.9 million compared to the fourth quarter of 2025 and first quarter of 2025, respectively
“We are pleased with the momentum we’ve carried into 2026. Our first quarter results reflect the strength of our differentiated model and our commitment to serving America’s small business owners,” said Live Oak Chairman and CEO James S. (Chip) Mahan III. “We delivered strong loan production, deposit growth, and stable credit performance during the quarter. We remain focused on our key initiatives, Live Oak Express and business checking, in addition to balance sheet strength and prudent capital management. We believe we are well positioned to support our customers, manage through a dynamic environment, and continue building long-term value for shareholders.”
Conference Call
Live Oak will host a conference call to discuss the Company's financial results and business outlook tomorrow, April 23, 2026, at 9:00 a.m. ET. The call will be accessible by telephone and webcast using Conference ID: 98602. A supplementary slide presentation will be posted to the website prior to the event, and a replay will be available for 12 months following the event. The conference call details are as follows:
Live Telephone Dial-In
International: +1 646.564.2877
Pass Code: None Required
Live Webcast Log-In
Webcast Link: investor.liveoakbank.com
Registration: Name and Email Required
Multi-Factor Code: Provided After Registration
(1)See accompanying GAAP to Non-GAAP Reconciliation.
1
First Quarter 2026 Key Measures
(Dollars in thousands, except per share data)1Q 2026 Change vs.
Total revenue (1) $145,474 $172,907 $122,903 $(27,433)(15.9)%$22,571 18.4 %
Total noninterest expense85,293 89,153 80,807 (3,860)(4.3)4,486 5.6
Provision for credit losses20,100 21,845 28,964 (1,745)(8.0)(8,864)(30.6)
Income before taxes40,081 61,909 13,132 (21,828)(35.3)26,949 205.2
Effective tax rate25.3 %25.5 %26.4 %n/an/an/an/a
Net income attributable to common shareholders$27,946 $44,116 $9,717 $(16,170)(36.7)%$18,229 187.6 %
Diluted earnings per common share0.60 0.95 0.21 (0.35)(36.8)0.39 185.7
Loan and lease production1,368,311 1,638,113 1,396,223 (269,802)(16.5)(27,912)(2.0)
Total loans and leases12,593,529 12,393,677 11,061,866 199,852 1.6 1,531,663 13.8
Total assets15,300,033 15,134,778 13,595,704 165,255 1.1 1,704,329 12.5
Total deposits13,835,058 13,688,659 12,395,945 146,399 1.1 1,439,113 11.6
(1)Total revenue consists of net interest income and total noninterest income.
2
Important Note Regarding Forward-Looking Statements
Statements in this press release that are based on other than historical data or that express the Company’s plans or expectations regarding future events or determinations are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. Statements based on historical data are not intended and should not be understood to indicate the Company’s expectations regarding future
This page provides Live Oak Bancshares Inc. (LOB) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on LOB's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.