---
schema_version: "secwatch.filing_event.v1"
accession: "0001462120-26-000004"
form_type: "8-K"
ticker: "LOB"
cik: "0001462120"
company_name: "Live Oak Bancshares, Inc."
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:16:26.287280+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001462120-26-000004
- form_type: 8-K
- ticker: LOB
- cik: 0001462120
- company_name: Live Oak Bancshares, Inc.
- filed_at: 2026-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1462120/000146212026000004/0001462120-26-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1462120/000146212026000004/lob-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-26-000004
- JSON: https://secwatch.observer/filing/0001462120-26-000004.json
- Plain text: https://secwatch.observer/filing/0001462120-26-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.