Live Oak Bancshares, Inc. (LOB) FY2025 10-K Annual Report
Live Oak Bancshares, Inc. (LOB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Live Oak Bancshares, Inc. FY2025 10-K Analysis
Business Overview
- • Core business model: National online platform for SBA-guaranteed small business lending and deposit gathering
- • Emphasis on technology-based platform optimizing loan origination, customer experience, and servicing without traditional branches
Management Discussion & Analysis
- • Revenue: Net interest income $448.4M, up 19.3% YoY from $375.9M; net gains on loan sales $62.5M, up 25.4%
- • Profitability: Net income $102.8M vs $77.5M, EPS $2.23 vs $1.69; net interest margin 3.30% vs 3.27%
Risk Factors
- • SBA Preferred Lender status risk, potential loss could materially harm business due to dependency on SBA 7(a) and USDA loan programs
- • U.S. government shutdown or default risk, impeding SBA and USDA loan origination and secondary market sales, materially affecting operations
Live Oak Bancshares, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$908M
▲ +11.8% YoY
Net Income
$106M
▲ +36.7% YoY
Net Margin
11.7%
▲ +212bp YoY
ROE
8.5%
▲ +72bp YoY
Total Assets
$15.1B
▲ +16.9% YoY
EPS (Diluted)
$2.23
▲ +32.0% YoY
Operating Cash Flow
$158M
▼ -70.5% YoY
Source: XBRL data from Live Oak Bancshares, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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