Financial insights of LOB-PA

MyFinsight

For the quarter ending 2025-09-30, LOB-PA made $471,400K in revenue. $25,562K in net income. Net profit margin of 5.42%.

Income Overview

Revenue
$471,400K
Net Income
$25,562K
Net Profit Margin
5.42%
EPS
$0.55
Unit: Thousand (K) dollars
Revenue Breakdown
Loans and fees on loans
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30
Loans and fees on loans	211,599
Investment securities, taxable	12,175
Other interest earning assets	7,654
Total interest income	231,428
Deposits	114,266
Borrowings	1,677
Total interest expense	115,943
Net interest income	115,485
Provision for credit losses	22,242
Net interest income after provision for credit losses	93,243
Loan servicing revenue	8,812
Loan servicing asset revaluation	-4,360
Net gains on sales of loans	20,868
Net (loss) gain on loans accounted for under the fair value option	-350
Equity method investments (loss) income	-1,470
Equity security investments gains, net	18
Lease income	2,179
Management fee income	0
Other noninterest income	4,917
Total noninterest income	30,614
Salaries and employee benefits	52,817
Travel expense	2,480
Professional services expense	1,999
Advertising and marketing expense	1,839
Occupancy expense	2,339
Technology expense	10,234
Equipment expense	3,320
Other loan origination and maintenance expense	4,777
Renewable energy tax credit investment impairment (recovery)	336
Fdic insurance	3,643
Other expense	3,501
Total noninterest expense	87,285
Income before taxes	36,572
Income tax expense	10,106
Net income	26,466
Net loss attributable to non-controlling interest	-50
Net income attributable to live oak bancshares, inc	26,516
Preferred stock dividends	954
Net income attributable to common shareholders	25,562

Basic earnings per share (in dollars per share)	0.56
Diluted earnings per share (in dollars per share)	0.55
Total weighted-average diluted shares outstanding (in shares)	46,216,958
Weighted-average basic shares outstanding (in shares)	45,780,794

MyFinsight

Income Overview

Revenue
$471,400K
Net Income
$25,562K
Net Profit Margin
5.42%
EPS
$0.55
Unit: Thousand (K) dollars
Revenue Breakdown
Loans and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$471,400K
Net Income
$25,562K
Net Profit Margin
5.42%
EPS
$0.55
Unit: Thousand (K) dollars
Revenue Breakdown
Loans and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$471,400KNet Income$25,562KNet Profit Margin5.42%EPS$0.55Unit: Thousand (K) dollarsRevenue BreakdownLoans and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$471,400KNet Income$25,562KNet Profit Margin5.42%EPS$0.55Unit: Thousand (K) dollarsRevenue BreakdownLoans and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$471,400K
Net Income
$25,562K
Net Profit Margin
5.42%
EPS
$0.55
Unit: Thousand (K) dollars
Revenue Breakdown
Loans and fees on loans
Deposits
Salaries and employee benefits
Others

Revenue
$471,400K
Net Income
$25,562K
Net Profit Margin
5.42%
EPS
$0.55
Unit: Thousand (K) dollars
Revenue Breakdown
Loans and fees on loans
Deposits
Salaries and employee benefits
Others