For the quarter ended March 2025, Live Oak Bancshares (LOB) reported revenue of $126.11 million, up 8.5% over the same period last year. EPS came in at $0.21, compared to $0.36 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $130.7 million, representing a surprise of -3.51%. The company delivered an EPS surprise of -44.74%, with the consensus EPS estimate being $0.38.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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:
- Efficiency Ratio: 66.6% versus the two-analyst average estimate of 69.9%.
- Average Balance - Total interest-earning assets: $12.76 billion versus the two-analyst average estimate of $12.54 billion.
- Net charge-offs to average loans and leases held for investment: 0.3% compared to the 0.6% average estimate based on two analysts.
- Net Interest Margin: 3.2% versus 3.2% estimated by two analysts on average.
- Total noninterest income: $25.58 million compared to the $32.87 million average estimate based on two analysts.
- Net Interest Income: $100.53 million versus $97.87 million estimated by two analysts on average.
View all Key Company Metrics for Live Oak Bancshares here>>>
Shares of Live Oak Bancshares have returned -10.7% over the past month versus the Zacks S&P 500 composite's -6.6% 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.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Live Oak Bancshares, Inc. (LOB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
