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Live Oak Bancshares LOB Q2 2026 earnings

Reported July 22, 2026 · After market close

Revenue$156.1MBeat by $1.0M
EPS$0.74Beat by $0.06
Revenue estimate$155.1M
EPS estimate$0.68
“Live Oak Bank's performance in the second quarter includes several milestones worth highlighting”
Live Oak Chairman

Next report

Jan 20, 2027 (in 3 months)
Revenue estimate$176.3M
EPS estimate$0.86

Financials

Q2 2026

Income statement

See full
Revenue$156.1M+11.8%
Net income$36.8M+57.1%
EPS (diluted)$0.74+45.1%

Balance sheet

See full
Cash & equivalents$927.6M+40.0%
Total debt$99.8M-7.3%
Total equity$1.3B+23.5%
Total assets$16.0B+16.0%

Cash flow

See full
Operating cash flow$31.2M-41.5%
CapEx$2.8M+97.1%
Free cash flow$28.4M-45.3%

Valuation & ratios

Valuation

as of 06/30/26
See full
Market cap$1.89B+40.8%
Enterprise value$1.06B+34.9%
P/E13.5×-10.4×
P/S3.1×+0.5×

Profitability

See full
Net margin22.9%+11.9pp
FCF margin38.9%+18.0pp

Returns & leverage

See full
Return on equity11.7%+6.2pp
Debt / equity0.1×0.0×

FAQ

When did Live Oak Bancshares report Q2 2026 earnings?
Live Oak Bancshares (LOB) reported Q2 2026 earnings on July 22, 2026 after market close.
What were Live Oak Bancshares's Q2 2026 revenue and EPS?
Live Oak Bancshares reported revenue of $156.1M and eps of $0.74 for Q2 2026.
Did Live Oak Bancshares beat estimates in Q2 2026?
Revenue beat the consensus estimate of $155.1M by $1.0M. EPS beat the consensus estimate of $0.68 by $0.06.
How did Live Oak Bancshares's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 10.0% from $142.0M a year earlier and eps grew 45.1% from $0.51.
Where can I find Live Oak Bancshares's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001462120-26-000053) and the 10-Q periodic report (0001462120-26-000058) directly on SEC EDGAR. The filing index links above go to sec.gov.