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Live Oak Bancshares LOB Q1 2026 earnings

Reported April 22, 2026 · After market close

Revenue$145.5MMiss by $5.8M
EPS$0.60Beat by $0.06
Revenue estimate$151.2M
EPS estimate$0.54

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$163.8M
EPS estimate$0.82

Financials

Q1 2026

Income statement

See full
Revenue$145.5M+18.4%
Net income$30.0M+209%
EPS (diluted)$0.60+186%

Balance sheet

See full
Cash & equivalents$816.1M+9.7%
Total debt$99.7M-9.5%
Total equity$1.3B+24.4%
Total assets$15.3B+12.5%

Cash flow

See full
Operating cash flow$87.4M+394%
CapEx$2.0M-10.8%
Free cash flow$85.3M+366%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$1.53B+25.8%
Enterprise value$812.09M+39.8%
P/E12.1×-8.3×
P/S2.6×+0.1×

Profitability

See full
Net margin21.1%+9.1pp
FCF margin43.7%+30.2pp

Returns & leverage

See full
Return on equity11%+4.9pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$156.1MBeat by $1.0M
Q1 2026$145.5MMiss by $5.8M
Q4 2025$172.9MBeat by $22.5MQ3 2025$142.5MMiss by $8.8MQ2 2025$142.0MMiss by $5.9MQ1 2025$123.8MMiss by $7.9M

Diluted EPS

Q2 2026$0.74Beat by $0.06
Q1 2026$0.60Beat by $0.06
Q4 2025$0.95Beat by $0.39Q3 2025$0.55Miss by $0.03Q2 2025$0.51Miss by $0.01Q1 2025$0.21Miss by $0.17

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Questions, answered.

When did Live Oak Bancshares report Q1 2026 earnings?
Live Oak Bancshares (LOB) reported Q1 2026 earnings on April 22, 2026 after market close.
What were Live Oak Bancshares's Q1 2026 revenue and EPS?
Live Oak Bancshares reported revenue of $145.5M and eps of $0.60 for Q1 2026.
Did Live Oak Bancshares beat estimates in Q1 2026?
Revenue missed the consensus estimate of $151.2M by $5.8M. EPS beat the consensus estimate of $0.54 by $0.06.
How did Live Oak Bancshares's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.5% from $123.8M a year earlier and eps grew 185.7% from $0.21.
Where can I find Live Oak Bancshares's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001462120-26-000036) and the 10-Q periodic report (0001462120-26-000039) directly on SEC EDGAR. The filing index links above go to sec.gov.