Live Oak Bancshares (LOB) earnings

Live Oak Bancshares, Inc.· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Live Oak Bancshares earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	36.8 $ million	+57.1% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$35.15 −1.57% · −$0.56

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +1.4% 1Y

1Y: $34.65 on 22 Oct 2025 → $35.15. High $43.76 (3 Aug 2026), low $29.41 (20 Nov 2025).

Previous close: $35.71
52-week range: $29.41 – $43.76
One year: +4.89%

Overview

Symbol: LOB
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +57% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	18	13	13	31	37	62	40	46
Tax rate	27.0%	25.6%	26.4%	25.1%	27.6%	25.5%	25.3%	19.9%
Net profit	13	10	10	23	27	46	30	37
EPS ($ per share)	0.28	—	0.21	0.51	0.56	—	0.61	0.75

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Reserves	167	180	236	401	572	643	716	810
Total liabilities	3,177	4,280	7,304	7,498	9,044	10,369	11,940	13,881
Fixed assets	263	279	259	240	263	258	264	240
Total assets	3,673	4,813	7,872	8,213	9,855	11,271	12,943	15,135

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	6	-483	-261	-120	-301	185	157	158
Cash from investing	-845	-685	-2,619	-150	-1,017	-1,340	-1,699	-1,904
Cash from financing	863	1,069	2,977	155	1,531	1,321	1,569	2,002
Net cash flow	24	-98	97	-115	213	166	26	256
Capital expenditure	-111	-37	-21	-3	-44	-47	-49	-15
Free cash flow	-105	-520	-282	-123	-344	138	107	143

Source: Inve data · cash flow · to Dec 2025

LOB operating KPIs by quarter

LOB operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Net interest margin	3.33% The net interest margin expanded six basis points in the quarter to 3.33%. Source: earnings call transcript	3.3% Net interest margin of 3.30% remained in line with the last 5 quarters. Source: earnings call transcript	0 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

178 filings between Oct 29, 2025 and Sep 10, 2026.

Open market

decisions to buy or sell

Purchases

$130.2K

2 purchases by 2 insiders

Sales

$20.53M

73 sales by 9 insiders

86% filed under a 10b5-1 plan — scheduled in advance, not decided on the day

Compensation

not trading decisions

55: Option exercise — converted options into shares
45: Tax withheld — shares kept back by the company to cover tax

Also filed: 3 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
MAHAN JAMES S III	—	$15.07M	Sep 10, 2026
Derraik Renato	—	$2.84M	Apr 30, 2026
WILLIAMS WILLIAM L. III	—	$1.38M	Sep 3, 2026
Spencer Courtney	—	$385.1K	Aug 4, 2026
Moroz Mark Michael	—	$256.7K	Jul 28, 2026
LUCHT DAVID G	—	$215.1K	Aug 4, 2026
Phifer Walter J	—	$172.4K	Mar 2, 2026
Seward Gregory W	—	$146.3K	Mar 2, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 10, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$387.5K
Sep 9, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$386.3K
Sep 3, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$397.5K
Sep 3, 2026	Bradford Tonya Williams Director	Sale	1,600	$63.8K
Sep 3, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	6,590	$264.2K
Sep 2, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	9,742	$385.1K
Sep 2, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	258	$10.3K
Sep 2, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	1,810	$72.4K
Aug 27, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$396.6K
Aug 26, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$399.9K
Aug 25, 2026	Losch William C III President	Tax withheld	22,221	$888.6K
Aug 25, 2026	Losch William C III President	Option exercise	50,000	—
Aug 20, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$405.3K
Aug 19, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	1,998	$83.9K
Aug 19, 2026	Cairns Michael Chief Credit Officer	Option exercise	2,420	—
Aug 19, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	8,002	$328.5K
Aug 19, 2026	Cairns Michael Chief Credit Officer	Tax withheld	1,076	$44.0K
Aug 18, 2026	Phifer Walter J Chief Financial Officer	Option exercise	2,916	—
Aug 18, 2026	Phifer Walter J Chief Financial Officer	Tax withheld	1,296	$55.2K
Aug 13, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$431.0K
Aug 12, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$427.5K
Aug 10, 2026	Losch William C III President	Tax withheld	18,665	$788.2K
Aug 10, 2026	Derraik Renato Chief Info./Digital Off., Bank	Tax withheld	11,111	$469.2K
Aug 10, 2026	Derraik Renato Chief Info./Digital Off., Bank	Option exercise	25,000	—
Aug 10, 2026	Losch William C III President	Option exercise	42,000	—
Aug 4, 2026	LUCHT DAVID G Director	Sale	2,000	$88.7K
Aug 4, 2026	Spencer Courtney Chief Experience Officer	Sale	154	$6.7K
Aug 3, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	8,400	$361.9K
Jul 28, 2026	Moroz Mark Michael Chief Banking Officer	Sale	6,100	$256.7K
Jul 27, 2026	LUCHT DAVID G Director	Sale	3,000	$126.4K
Jul 1, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	5,796	$242.1K
Jul 1, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	2,604	$107.4K
Jun 24, 2026	WILLIAMS WILLIAM L. III Director	Sale 10b5-1 plan	8,400	$336.5K
Jun 11, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$381.9K
Jun 10, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	915	$35.9K
Jun 10, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	9,085	$351.5K
Jun 4, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	9,921	$369.7K
Jun 4, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	79	$3.0K
Jun 3, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	637	$23.7K
Jun 3, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	9,363	$341.0K
May 28, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$372.5K
May 27, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$376.5K
May 21, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	3,388	$126.8K
May 21, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	6,612	$244.1K
May 20, 2026	Moroz Mark Michael Chief Banking Officer	Tax withheld	3,163	$114.5K
May 20, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	355	$13.2K
May 20, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	9,645	$355.2K
May 20, 2026	Moroz Mark Michael Chief Banking Officer	Option exercise	7,117	—
May 14, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$362.3K
May 13, 2026	MAHAN JAMES S III Chief Executive Officer	Sale 10b5-1 plan	10,000	$359.6K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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