Live Oak Q3 net income $25.6M ($0.55 EPS); loan production $1.65B, assets up 16% YoY

Live Oak Bancshares, Inc.

2025-Q3 EPS reported $1.28

Net income of $25.6M ($0.55 diluted EPS) vs $13.0M ($0.28) in Q3 2024; net interest income up 19.1% YoY.
Total revenue $146.1M, up 1.6% QoQ and 12.4% YoY; noninterest expense $87.3M, down 2.2% QoQ.
Loan production of $1.65B; total loans $11.9B, up 4.8% QoQ; deposits grew $695.9M to $13.29B.
Raised $96.3M via preferred stock offering in Q3; subsequent sale of Apiture adds ~$24M pre-tax gain.
Provision for credit losses $22.2M, down $1.0M QoQ and $12.3M YoY.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.