Live Oak Bancshares Q4 2025 net income $44.1M ($0.95 EPS), revenue up 21% QoQ

Live Oak Bancshares, Inc.

2025-FY EPS reported $2.23

Q4 2025 net income attributable to common shareholders $44.1M, or $0.95 per diluted share, vs $9.9M ($0.22) in Q4 2024.
Total revenue Q4 $172.9M, up 21% from Q3 and 38% YoY; full-year revenue $577.8M, up 18%.
Record loan production of $1.64B in Q4; full-year production $6.21B, up 20% YoY.
Total assets $15.13B, up 17% YoY; deposits $13.69B, up 16% YoY.
Full-year net income $102.8M ($2.23 EPS), up 33% from $77.5M ($1.69) in 2024.

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