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Live Oak Bancshares LOB Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$23B+12.9%
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$64.38M+21.2%
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$19.02M+32.3%
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$7.62M+1,680%
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$49.49M-3.1%
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$46.6M+22.9%

Other financials

Income statement

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Revenue$156.1M+8.6%
Net income$36.8M+57.1%
EPS (diluted)$0.74+45.1%

Balance sheet

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Cash & equivalents$927.6M+40.0%
Total debt$99.8M-7.3%
Total equity$1.3B+23.9%
Total assets$16.0B+16.0%

Cash flow

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

Valuation

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Market cap$1.97B+40.0%
Enterprise value$1.14B+34.0%
P/E14.1×-11.0×
P/S3.2×+0.5×

Profitability

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Net margin22.9%+12.0pp
FCF margin43.7%+30.2pp

Returns & leverage

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

Where this comes from

Reported directly by Live Oak Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Live Oak Bancshares’s 8-K, filed July 22, 2026. Open the filing →

Filed
Jul 22, 2026, 4:18 PM EDT
Accession
0001462120-26-000053

FAQ

What is Live Oak Bancshares's net interest income (after provisions)?
Live Oak Bancshares (LOB) reported net interest income (after provisions) of $99.54M in Q2 2026.
How has Live Oak Bancshares's net interest income (after provisions) changed year-over-year?
Live Oak Bancshares's net interest income (after provisions) increased by 15.8% year-over-year, from $85.97M to $99.54M.
What is the long-term trend for Live Oak Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Live Oak Bancshares's net interest income (after provisions) has grown at a 5.7% compound annual growth rate (CAGR), from $281.58M to $352.06M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for credit losses, which represents the bank's estimate of potential future loan defaults. This metric provides a more accurate view of the bank's bottom-line interest profitability after accounting for inherent credit risk.

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