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Live Oak Bancshares (LOB) investor relations material
Live Oak Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved #1 SBA 7(a) lender status for 2025, with over $2.8 billion in loans and a 44% increase in production year-over-year, raising market share from 6.4% to 7.7%.
Q3 2025 net income attributable to common shareholders was $25.6 million, or $0.55 per diluted share, up 9% sequentially and 96% year-over-year.
Net interest income reached $115 million, up 6% sequentially and 19% year-over-year, with net interest margin at 3.33%.
Focused on deepening customer relationships, expanding checking and small dollar SBA loan offerings, and leveraging AI for operational efficiency.
Embedded finance and stablecoin initiatives are progressing, with a strategic pivot to accelerate growth through partnerships.
Financial highlights
Total revenue reached $146 million, up 2% sequentially and 12% year-over-year.
Loan production up 22% year-over-year to $1.65 billion; loan outstandings up 17% to $11.9 billion; deposit balances up 17% to $13.3 billion.
Noninterest expense decreased 2% sequentially to $87 million, but increased 12% year-over-year.
Quarterly provision expense was $22 million, lower for the fourth consecutive quarter.
Adjusted pre-provision net revenue (PPNR) increased 7% sequentially and 24% year-over-year to $66 million.
Outlook and guidance
Expect continued strong loan and deposit growth, with margin resilience despite anticipated Fed rate cuts.
Margin typically recovers quickly after rate cuts due to short-term funding base; net interest income expected to remain robust.
Targeting sustainable 15% ROE and 15%+ EPS growth over the next 18–24 months.
Apiture sale settled in October, expected to provide ~$24 million pre-tax gain in Q4 2025.
Continued investment in AI and digital innovation to drive efficiency and customer experience.
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