For the quarter ended December 2025, Live Oak Bancshares (LOB) reported revenue of $172.91 million, up 35% over the same period last year. EPS came in at $0.95, compared to $0.22 in the year-ago quarter.
The reported revenue represents a surprise of +16.32% over the Zacks Consensus Estimate of $148.65 million. With the consensus EPS estimate being $0.56, the EPS surprise was +69.64%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Live Oak Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net charge-offs to average loans and leases held for investment: 0.5% compared to the 0.4% average estimate based on two analysts.
- Net Interest Margin: 3.4% versus 3.3% estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $14.47 billion compared to the $14.03 billion average estimate based on two analysts.
- Efficiency Ratio: 51.6% versus 66.6% estimated by two analysts on average.
- Total noninterest income: $49.79 million versus $30.69 million estimated by two analysts on average.
- Net Interest Income: $123.12 million compared to the $116.39 million average estimate based on two analysts.
View all Key Company Metrics for Live Oak Bancshares here>>>
Shares of Live Oak Bancshares have returned +2% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Live Oak Bancshares, Inc. (LOB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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