Short answer
Live Oak Bancshares, Inc. (LOB) filed its Q3 2025 10-Q quarterly report on Nov 17, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $231M (up 10.8% year over year) with net income of $27M.
Q3 2025 key financials · XBRL
- Revenue
- $231M
- +10.8% YoY · +3.2% QoQ
- Net income
- $27M
- +103.6% YoY · +13.2% QoQ
- EPS (diluted)
- $0.56
- +100.0% YoY · +9.8% QoQ
Source: XBRL data from the Live Oak Bancshares, Inc. (LOB) Q3 2025 10-Q on SEC EDGAR. USD.
Live Oak Bancshares, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly net income $25.6M vs $13.0M YoY, driven by higher net interest income and lower credit-loss provision
- Net interest income $115.5M, up 19.1% from $97.0M; net interest margin 3.33% vs 3.33% YoY
- Net gains on loan sales $20.7M, up 25.4%, principally from higher third-quarter loan-sale volumes
- Credit-loss provision $22.2M, down 35.5% from $34.5M YoY
- Fed funds rate outlook: 3.6% projected by year-end 2025 and 3.4% by year-end 2026, with rate uncertainty remaining
Risk Factors
- No material risk-factor changes from December 31, 2024 Form 10-K/A
- Additional risk factor carried forward from March 31, 2025 Form 10-Q
- CEO stock-sale risk: Rule 10b5-1 plan covers up to 400,000 shares through September 15, 2026
- Regulatory compliance risk: 10b5-1 plan intended to satisfy Rule 10b5-1(c) and company securities policies
- Financial-market risk: CEO’s planned sales may increase common-stock selling pressure
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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