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/Mis Actual Consensu

s s

Estimate

Q3 Beat $146.09 $142.72

Revenue mln mln (5

Analysts

)

Q3 EPS $0.55

Q3 Net $25.56

Income mln

Q3 Net $115.48

Interest mln

Income

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 ( LOB ) 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:

For questions concerning the data in this report, contact [email protected]. For any other questions or feedback, contact .

(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.)