Live Oak Bancshares beats Q3 revenue estimates on strong loan production

Live Oak Bancshares

22/10/2025 21:39

Overview

Live Oak Q3 2025 revenue beats analyst expectations, driven by strong loan production

Net income for Q3 2025 rises 96% yr/yr, reflecting robust operational performance

Company raises $96.3 mln through preferred stock offering, strengthening capital position

Outlook

Company did not provide specific guidance for future quarters in the press release

Result Drivers

LOAN PRODUCTION - Strong loan production of $1.65 bln contributed to asset growth

CAPITAL RAISE - $96.3 mln raised through preferred stock offering strengthens capital position

NET INTEREST INCOME - Net interest income increased 5.7% qtr/qtr and 19.1% yr/yr, supported by higher net interest margin

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Beat
$146.09 mln
$142.72 mln (5 Analysts)
Q3 EPS
$0.55
Q3 Net Income
$25.56 mln
Q3 Net Interest Income
$115.48 mln


Analyst Coverage

The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 2 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for Live Oak Bancshares Inc is $42.50, about 18.2% above its October 21 closing price of $34.77

The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nGNX8CwLY

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)