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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Live Oak Bancshares
Live Oak Bancshares (LOB) investor relations material
Live Oak Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Reported diluted EPS was $0.52; adjusted EPS was $0.49, or $0.76 excluding the $0.27-per-share distillery provision impact.
Adjusted PPNR reached a record $88M, up 33% YoY; reported PPNR was $89.9M, up 53% YoY.
Record originations of $2.134B and 16% YoY growth in loans and deposits highlighted balance-sheet expansion.
Financial highlights
Revenue was $175.6M, up 23.4% YoY; adjusted revenue was $172M, up 15%, while adjusted expenses rose 1% to $84M.
Net interest income was $133.0M, up 15.2% YoY; net interest margin was 3.30%, down 3 bps YoY.
Provision for credit losses was $54.7M, including $16.8M specific to the exited distillery portfolio.
Q3 noninterest income rose 58.8% YoY to $42.6M, including an $8.6M warrant gain and higher loan-sale gains.
Outlook and guidance
NIM is expected to remain relatively stable near term; NII is expected to grow with the balance sheet, subject to loan growth and deposit competition.
A 25 bps rate hike could add $5M–$10M to annual NII; modeled NII sensitivity was +19.1% for a +300 bps shock over the 12 months ending September 30, 2027.
Expense growth is expected to be modest, with efficiency gains supported by controls, automation, AI and revenue initiatives.
Live Oak Express targets $750M+ in annual production; strategic priorities include scaling Express and Business Checking and applying AI.
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Latest events from Live Oak Bancshares
- Net income more than doubled as lending expanded, with FY16 originations targeted at $1.35B.LOB
Q4 2015 - Strong loan and deposit growth, with 2017 originations guided to $1.80B–$1.90B.LOBQ4 2016
- Growth accelerated, but reported earnings included major one-time Apiture and tax benefits.LOBQ4 2017
- Loan retention fueled recurring growth as credit risks and earnings volatility remained in focus.LOBQ4 2018
- Balance-sheet growth and recurring interest income advanced as loan-sale gains fell and credit risks rose.LOBQ4 2019
- Record lending growth lifted FY20 earnings despite pandemic-driven credit costs.LOBQ4 2020
- FY21 earnings surged as lending growth and fintech gains lifted results.LOBQ4 2021
- Fintech exits boosted earnings as loans and deposits grew and credit costs rose.LOBQ4 2022
- Loan and deposit growth continued as higher deposit costs compressed Q4 margin.LOBQ4 2023
Next Live Oak Bancshares earnings date
Q4 202620 Jan, 2027
Live Oak Bancshares
Next Live Oak Bancshares earnings date
Q4 202620 Jan, 2027
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Frequently asked questions
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company offers financing solutions and deposit products, including demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. In addition, it offers digital banking services to customers through mobile devices; invests in fixed income securities; and provides payment processing solutions.