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Did Live Oak Bancshares Beat Earnings?
Live Oak Bancshares (LOB) reported Q2 '26 revenue of $272M, up 6.0% year-over-year, with reported EPS of $0.74. That topped the $0.64 analyst estimate by 15.6% — an earnings beat.
AltIndex tracks earnings alongside 25+ alternative data signals that can move ahead of the report — Live Oak Bancshares’s job postings, web traffic, and employee business outlook. See the full LOB stock analysis or the earnings calendar for upcoming reports.
LOB Earnings Surprise History (EPS vs. Estimate)
| Quarter | Estimated EPS | Reported EPS | Surprise |
|---|---|---|---|
| Q2 '26 | $0.64 | $0.74 | Beat +15.6% |
| Q1 '26 | $0.58 | $0.63 | Beat +8.6% |
| Q4 '25 | $0.56 | $0.47 | Missed -16.1% |
| Q3 '25 | $0.60 | $0.59 | Missed -1.7% |
| Q2 '25 | $0.50 | $0.53 | Beat +6.0% |
| Q1 '25 | $0.37 | $0.26 | Missed -29.7% |
Live Oak Bancshares Quarterly Financial Trends
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 238M | 240M | 236M | 257M | 258M | 289M | 260M | 272M |
| Gross margin | 38.5% | 38.0% | 40.1% | 46.2% | 46.5% | 58.5% | 48.2% | 47.8% |
| Operating margin | 7.5% | 5.5% | 5.6% | 12.1% | 14.2% | 27.7% | 15.4% | 16.8% |
| Net income | 13M | 9.9M | 9.7M | 23M | 27M | 44M | 30M | 37M |
| Net margin | 5.5% | 4.1% | 4.1% | 9.1% | 10.3% | 15.2% | 11.6% | 13.5% |
| EPS | $0.28 | $0.27 | $0.26 | $0.53 | $0.59 | $0.47 | $0.63 | $0.74 |
Live Oak Bancshares Earnings Trend Analysis
Over the eight quarters from Q3 '24 to Q2 '26, Live Oak Bancshares’s quarterly revenue moved from $238M to $272M. Net margin expanded from 5.5% to 13.5%, against a 47.8% gross margin in the most recent quarter — a read on whether revenue growth is translating into profit. Live Oak Bancshares has beaten Wall Street EPS estimates in 3 of its last 8 reported quarters.
When Is Live Oak Bancshares’s Next Earnings Date?
Live Oak Bancshares reports earnings on a quarterly schedule. Its most recent report covered Q2 '26. For the confirmed upcoming date — and every other company reporting soon — see the LOB earnings calendar.
Frequently Asked Questions: Live Oak Bancshares Earnings
Live Oak Bancshares's next earnings date has not been confirmed yet. See the earnings calendar for all upcoming reports.
Live Oak Bancshares reported Q2 '26 EPS of $0.74 on revenue of $272M (+6.0% YoY). Live Oak Bancshares beat estimates, reporting $0.74 vs. the $0.64 estimate.
Live Oak Bancshares reported Q2 '26 revenue of $272M, up 6.0% from the same quarter a year earlier.
Signals like job postings, web traffic, and employee sentiment reflect business activity in real time and can move before quarterly results are reported. AltIndex combines them with 25+ others in the LOB AI Score.
