The stock may react negatively to margin compression and sequential revenue decline, but loan growth and balance sheet expansion could support long-term optimism. Monitor management's commentary on net interest margin trajectory and capital deployment plans during the earnings call.
Price Chart
Executive Summary
Live Oak Bancshares (LOB) reported Q1 2026 earnings with diluted EPS of $0.60, missing the $0.58 consensus by a negligible margin, but revenue of $145.5M fell 15.9% QoQ despite 18.4% YoY growth, driven by a $24.1M gain in the prior quarter. Strong loan and deposit growth signaled underlying momentum, but declining net interest margin and pre-provision net revenue pressured profitability.
Key Financial Metrics
Key Facts
- Q1 2026 EPS: $0.60 (vs. $0.58 consensus, effectively in line)
- Q1 2026 revenue: $145.5M (vs. $172.9M in Q4 2025, -15.9% QoQ)
- Prior quarter (Q4 2025) included $24.1M gain from Apiture sale, distorting YoY comparisons
- Loan production: $1.37B, total assets up 12.5% YoY to $15.3B
- Net interest margin declined 11 bps to 3.27% from 3.38% in Q4 2025
Financial Impact
Revenue down 15.9% QoQ due to absence of prior-period gain; EPS in line with expectations
Risk Factors
- Net interest margin pressure in a flattening yield curve environment
- Reliance on non-recurring gains to bolster prior-period results
- Potential for increased provisioning if credit quality deteriorates
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3279410 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | 144 | $34.68 | awaiting T+20 | — | $34.68 (+0.00%) |
Oct 21, 2026 5d ago | 8-K | $35.71 | awaiting T+20 | — | $34.68 (+2.88%) |
Oct 21, 2026 5d ago | Press Release | $35.71 | awaiting T+20 | — | $34.68 (+2.88%) |
Oct 20, 2026 6d ago | 8-K | $35.35 | awaiting T+20 | — | $34.68 (−1.90%) |
Sep 11, 2026 6w ago | Insider Cluster | $39.40 $34.80 | ▼ −11.68% | ▼ −13.94% | $34.68 (−11.98%) |
Sep 8, 2026 6w ago | Insider Cluster | $38.90 $34.26 | ▼ −11.93% | ▼ −13.87% | $34.68 (−10.85%) |
Sep 3, 2026 7w ago | 144 | $39.56 $36.68 | ▼ −7.28% | ▼ −6.09% | $34.68 (−12.34%) |
Sep 2, 2026 7w ago | 144 | $39.51 $36.39 | ▼ −7.90% | ▼ −7.74% | $34.68 (−12.22%) |
Aug 20, 2026 9w ago | 144 | $40.73 $38.25 | ▲ +6.09% | ▲ +6.09% | $34.68 (+14.85%) |
Aug 19, 2026 9w ago | 144 | $40.89 $38.25 | ▼ −6.46% | ▼ −4.50% | $34.68 (−15.19%) |
US Market Status
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