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Dec 31, 2025
Live Oak Q4 2025 Earnings Report
Live Oak Bancshares, Inc. reported a significant increase in net income and diluted EPS for the fourth quarter of 2025, driven by strong loan production and revenue growth.
Key Takeaways
Live Oak Bancshares, Inc. announced robust financial results for the fourth quarter of 2025, with net income attributable to common shareholders reaching $44.1 million, or $0.95 per diluted share. This represents a substantial increase of 73% in net income and 73% in diluted EPS compared to the third quarter of 2025, and 345.6% in net income and 331.8% in diluted EPS compared to the fourth quarter of 2024. The company also reported strong loan production of $1.64 billion and total revenue of $172.9 million for the quarter.
Net income attributable to common shareholders increased by 73% to $44.1 million in Q4 2025 from $25.6 million in Q3 2025.
Diluted earnings per share rose to $0.95 in Q4 2025, up 73% from $0.55 in Q3 2025.
Total revenue for Q4 2025 was $172.9 million, marking a 21% increase from $142.3 million in Q3 2025.
Loan and lease production for Q4 2025 was $1.64 billion, a slight decrease of 1% from $1.65 billion in Q3 2025.
Revenue by Segment
Forward Guidance
Live Oak Bancshares, Inc. anticipates continued progress in 2026, building on its strong performance in 2025, which was characterized by record loan growth and a disciplined focus on its core mission.
Positive Outlook
- Strong loan production of $6.21 billion in 2025, indicating robust demand for lending services.
- Significant deposit growth of $1.93 billion in 2025, contributing to total asset growth of 16.9% to $15.13 billion.
- Revenue increased by 18.3% in 2025, demonstrating effective business expansion.
- Pre-provision net revenue grew by 28.9% in 2025, reflecting improved operational efficiency.
- A pre-tax gain of $24.1 million from the sale of Apiture, Inc. positively impacted equity method investments income.
Challenges Ahead
- Provision expense for credit losses remained relatively flat at $96.3 million in 2025 compared to 2024, indicating ongoing credit risk.
- Net charge-offs to average loans and leases held for investment were 0.48% in Q4 2025, which, while an improvement from Q4 2024, still represents credit losses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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