# Live Oak Bancshares, Inc.: overview

LOB · NYSE · CIK 1462120 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/lob.md) · [Financials](/companies/lob/financials.md) · [Filings](/companies/lob/filings.md) · [Insiders](/companies/lob/insiders.md)

Revenue is not reported in this company’s XBRL financial statements.

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [0.28](/filings/0001462120-25-000106.md) | not reported | [0.21](/filings/0001462120-26-000039.md) | [0.51](/filings/0001462120-26-000058.md) | [0.55](/filings/0001462120-25-000106.md) | not reported | [0.60](/filings/0001462120-26-000039.md) | [0.74](/filings/0001462120-26-000058.md) |
| Free cash flow | $m | [41.0 d](/filings/0001462120-25-000106.md) | [45.7 d](/filings/0001462120-26-000020.md) | [(32.1)](/filings/0001462120-26-000039.md) | [51.9 d](/filings/0001462120-26-000058.md) | [53.3 d](/filings/0001462120-25-000106.md) | [70.4 d](/filings/0001462120-26-000020.md) | [85.3](/filings/0001462120-26-000039.md) | [28.4 d](/filings/0001462120-26-000058.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [3.71](/filings/0001462120-24-000014.md) | [3.92](/filings/0001462120-25-000105.md) | [1.64](/filings/0001462120-26-000020.md) | [1.69](/filings/0001462120-26-000020.md) | [2.23](/filings/0001462120-26-000020.md) |
| Free cash flow | $m | [(123)](/filings/0001462120-24-000014.md) | [(344)](/filings/0001462120-25-000105.md) | [138](/filings/0001462120-26-000020.md) | [107](/filings/0001462120-26-000020.md) | [143](/filings/0001462120-26-000020.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/lob/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $143.6m | 3,515,856 |  | Added +82,957 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $67.6m | 1,654,730 |  | Added +121,959 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $66.0m | 1,615,529 |  | Added +22,344 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $55.9m | 1,367,619 |  | Reduced −69,696 |
| [BARROW HANLEY MEWHINNEY & STRAUSS LLC](/funds/313028.md) | 2026-06-30 | $55.5m | 1,360,091 |  | Reduced −261,812 |
| [GILDER GAGNON HOWE & CO LLC](/funds/902464.md) | 2026-06-30 | $45.9m | 1,123,910 |  | Reduced −69,204 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $40.7m | 996,870 |  | Added +88,724 |
| [SOUTHERNSUN ASSET MANAGEMENT, LLC](/funds/1089755.md) | 2026-06-30 | $38.2m | 934,751 |  | Reduced −98,788 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $37.3m | 912,543 |  | Added +58,585 |
| [LOOMIS SAYLES & CO L P](/funds/312348.md) | 2026-06-30 | $27.4m | 671,994 |  | Reduced −56,135 |

## Recent filings

[All 1,081 filings](/companies/lob/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-21 | 16:19 ET | [8-K](/filings/0001462120-26-000068.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001462120-26-000068 |
| 2026-10-20 | 16:20 ET | [8-K](/filings/0001462120-26-000065.md) | 5.02 Departure or appointment of officers or directors | 0001462120-26-000065 |
| 2026-08-28 | 16:16 ET | [8-K](/filings/0001462120-26-000063.md) | 8.01 Other events | 0001462120-26-000063 |
| 2026-08-18 | 16:12 ET | [8-K](/filings/0001462120-26-000061.md) | 8.01 Other events | 0001462120-26-000061 |
| 2026-08-04 | 16:15 ET | [10-Q](/filings/0001462120-26-000058.md) | Quarterly report, period 2026-06-30 | 0001462120-26-000058 |
| 2026-07-22 | 16:18 ET | [8-K](/filings/0001462120-26-000053.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001462120-26-000053 |
| 2026-07-02 | 16:13 ET | [8-K](/filings/0001462120-26-000049.md) | 5.02 Departure or appointment of officers or directors | 0001462120-26-000049 |
| 2026-06-18 | 16:15 ET | [8-K](/filings/0001462120-26-000047.md) | 5.02 Departure or appointment of officers or directors | 0001462120-26-000047 |
| 2026-05-22 | 16:07 ET | [8-K](/filings/0001462120-26-000045.md) | 5.02 Departure or appointment of officers or directors; 5.07 Shareholder vote results; 9.01 Financial statements and exhibits | 0001462120-26-000045 |
| 2026-05-19 | 16:19 ET | [8-K](/filings/0001462120-26-000042.md) | 8.01 Other events | 0001462120-26-000042 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001462120-26-000020.md), filed Feb 27, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 1462120
- Tickers: LOB, LOB-PA
- Exchange: NYSE
- SIC code: 6022 State Commercial Banks
- State of incorporation: NC
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 26, 2026, 16:20 ET. No prices; not investment advice.