Live Oak Bancshares, Inc. (LOB.PA) stock
LOB.PANYSEState Commercial BanksFiscal year ends December 31Also trades as LOB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Nov 3, 2026Score 18/3016% below fair value
$24.74+0.10 (+0.41%)
Close on Nov 3, 2026Market cap $1.15BP/E 8.7Yield 0.49%
Live Oak Bancshares profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Live Oak Bancshares's profit margin for the twelve months ending Jun 30, 2026 was 22.9%. For fiscal 2025 it was 18.3%, against 15.9% the year before. The highest annual figure on record is 5414.8% in fiscal 2017.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 18.3% | +2.5 |
| FY2024 | Dec 31, 2024 | 15.9% | −0.6 |
| FY2023 | Dec 31, 2023 | 16.4% | −14.7 |
| FY2022 | Dec 31, 2022 | 31.2% | −5.4 |
| FY2021 | Dec 31, 2021 | 36.5% | −530.1 |
| FY2020 | Dec 31, 2020 | 566.6% | +379.9 |
| FY2019 | Dec 31, 2019 | 186.8% | −459.1 |
| FY2018 | Dec 31, 2018 | 645.8% | −4769.0 |
| FY2017 | Dec 31, 2017 | 5414.8% | +5404.7 |
| FY2016 | Dec 31, 2016 | 10.1% | −8.7 |
| FY2015 | Dec 31, 2015 | 18.8% | +5.3 |
| FY2014 | Dec 31, 2014 | 13.4% | −28.3 |
| FY2013 | Dec 31, 2013 | 41.7% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q2 FY2026 | Jun 30, 2026 | 23.6% | +6.8 |
| Q1 FY2026 | Mar 31, 2026 | 20.6% | +12.7 |
| Q4 FY2025 | Dec 31, 2025 | 28.5% | +20.1 |
| Q3 FY2025 | Sep 30, 2025 | 18.1% | +8.1 |
| Q2 FY2025 | Jun 30, 2025 | 16.8% | −4.7 |
| Q1 FY2025 | Mar 31, 2025 | 7.9% | −15.8 |
| Q4 FY2024 | Dec 31, 2024 | 8.5% | −6.0 |
| Q3 FY2024 | Sep 30, 2024 | 10.0% | −21.2 |
| Q2 FY2024 | Jun 30, 2024 | 21.5% | +5.3 |
| Q1 FY2024 | Mar 31, 2024 | 23.7% | +23.3 |
| Q4 FY2023 | Dec 31, 2023 | 14.4% | +12.7 |
| Q3 FY2023 | Sep 30, 2023 | 31.3% | +1.0 |
| Q2 FY2023 | Jun 30, 2023 | 16.2% | −30.4 |
| Q1 FY2023 | Mar 31, 2023 | 0.4% | −30.9 |
| Q4 FY2022 | Dec 31, 2022 | 1.7% | −25.4 |
| Q3 FY2022 | Sep 30, 2022 | 30.3% | −1308.8 |
| Q2 FY2022 | Jun 30, 2022 | 46.5% | −2384.0 |
| Q1 FY2022 | Mar 31, 2022 | 31.2% | −1485.8 |
| Q4 FY2021 | Dec 31, 2021 | 27.1% | −1104.4 |
| Q3 FY2021 | Sep 30, 2021 | 1339.1% | +56.6 |
| Q2 FY2021 | Jun 30, 2021 | 2430.5% | +2287.2 |
| Q1 FY2021 | Mar 31, 2021 | 1517.0% | +1806.7 |
| Q4 FY2020 | Dec 31, 2020 | 1131.5% | +868.7 |
| Q3 FY2020 | Sep 30, 2020 | 1282.5% | +1117.5 |
| Q2 FY2020 | Jun 30, 2020 | 143.3% | −65.0 |
| Q1 FY2020 | Mar 31, 2020 | -289.7% | −391.7 |
| Q4 FY2019 | Dec 31, 2019 | 262.8% | +202.2 |
| Q3 FY2019 | Sep 30, 2019 | 165.0% | +137.1 |
| Q2 FY2019 | Jun 30, 2019 | 208.3% | +186.6 |
| Q1 FY2019 | Mar 31, 2019 | 102.0% | +87.3 |
| Q4 FY2017 | Dec 31, 2017 | 60.6% | +46.4 |
| Q3 FY2017 | Sep 30, 2017 | 27.9% | +18.5 |
| Q2 FY2017 | Jun 30, 2017 | 21.7% | – |
| Q1 FY2017 | Mar 31, 2017 | 14.8% | – |
| Q4 FY2016 | Dec 31, 2016 | 14.2% | – |
| Q3 FY2016 | Sep 30, 2016 | 9.4% | – |
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