Live Oak Bancshares, Inc. (NYSE:LOB ) Q2 2025 Earnings Conference Call July 24, 2025 9:00 AM ET Company Participants Gregory Seward - Chief Risk Officer & General Counsel William Losch III - President Walter Phifer - Chief Financial Officer Michael Cairns - Chief Credit Officer James Mahan - Chairman & CEO Conference Call Participants David Feaster - Raymond James & Associates, Inc., Research Division Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Operator Good morning, ladies and gentlemen, and welcome to Live Oak Bancshares Second Quarter 2025 Earnings Call. [Operator Instructions] I would now like to turn the conference call over to Greg Seward, Chief Risk Officer and General Counsel.
Live Oak Bancshares (LOB) came out with quarterly earnings of $0.51 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.59 per share a year ago.
Live Oak Bancshares, Inc. (NYSE:LOB ) Q1 2025 Earnings Conference Call April 24, 2025 9:00 AM ET Company Participants Greg Seward - General Counsel and Chief Risk Officer Chip Mahan - Chairman and Chief Executive Officer BJ Losch - President Walt Phifer - Chief Financial Officer Michael Cairns - Chief Credit Officer Conference Call Participants Crispin Love - Piper Sandler Tim Switzer - KBW David Feaster - Raymond James Operator Good morning, ladies and gentlemen, and welcome to the Q1 2025 Live Oak Bancshares Earnings Call. At this time, all participant lines are in the listen-only mode.
![]() LOB In 1 month Estimated | Quarterly | $0.03 Per Share |
![]() LOB 1 month ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 5 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 7 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 10 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 4 Jun 2024 Paid | Quarterly | $0.03 Per Share |
22 Oct 2025 (In 2 months) Date | | 0.61 Cons. EPS | - EPS |
22 Jul 2025 Date | | 0.56 Cons. EPS | 0.51 EPS |
22 Apr 2025 Date | | - Cons. EPS | - EPS |
22 Jan 2025 Date | | 0.62 Cons. EPS | 0.28 EPS |
23 Oct 2024 Date | | 0.56 Cons. EPS | 0.28 EPS |
![]() LOB In 1 month Estimated | Quarterly | $0.03 Per Share |
![]() LOB 1 month ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 5 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 7 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 10 months ago Paid | Quarterly | $0.03 Per Share |
![]() LOB 4 Jun 2024 Paid | Quarterly | $0.03 Per Share |
22 Oct 2025 (In 2 months) Date | | 0.61 Cons. EPS | - EPS |
22 Jul 2025 Date | | 0.56 Cons. EPS | 0.51 EPS |
22 Apr 2025 Date | | - Cons. EPS | - EPS |
22 Jan 2025 Date | | 0.62 Cons. EPS | 0.28 EPS |
23 Oct 2024 Date | | 0.56 Cons. EPS | 0.28 EPS |
Banks - Regional Industry | Financial Services Sector | James S. Mahan III CEO | NYSE Exchange | 53803X105 Cusip |
US Country | 1,008 Employees | 3 Jun 2025 Last Dividend | - Last Split | 23 Jul 2015 IPO Date |
Live Oak Bancshares, Inc., headquartered in Wilmington, North Carolina, is a dynamic financial entity established in 2008 operating as a holding company for Live Oak Banking Company. It predominantly provides a wide range of banking products and services across the United States. The organization is structured into two primary segments, Banking and Fintech, indicating a modern approach to financial solutions. It serves the dual role of traditional banking along with an emphasis on technology-driven financial services, catering to various customers’ needs within the American market. Live Oak Bancshares, Inc. is geared towards innovation in the finance sector, especially in supporting small businesses, renewable energy industries, and the area of financial technology investment.
Customers can select from noninterest-bearing demand deposits to interest-bearing options like checking, money market, savings, and time deposits. These products are designed to cater to the varying liquidity and investment preferences of individuals and businesses alike.
The bank provides comprehensive loan offerings such as commercial and industrial loans, construction and development loans, and both owner-occupied and non-owner occupied commercial real estate loans, including commercial land loans. These are tailored to support the growth and operational needs of businesses in diverse sectors.
Live Oak Bancshares offers specialized services like settlement, accounting, and securitization for government-guaranteed loans, demonstrating its expertise in navigating and leveraging government loan programs for the benefit of its clients.
The company provides critical financing options for the renewable energy application industry, aiming to support environmental sustainability and innovation in energy solutions.
Services are offered to high-net-worth individuals and families, focusing on wealth preservation, asset growth, and estate planning, facilitated by adept financial advisors and wealth management experts.
Live Oak Bancshares also delivers investment advisory services to a series of funds. These funds are focused on providing venture capital to new and emerging financial technology companies, showcasing the company’s commitment to fostering innovation in the fintech space.