L LOB

Live Oak Bancshares Inc

$33.39

+0.00%

Volume 269,166

52W High $42.89

52W Low $22.68

Market Cap $1.52B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.57

Whisper EPS

$0.60

5.9% above consensus

Last Quarter

$0.95

Current Streak

1 Beat

Avg Surprise (4Q)

+25.17%

Next Earnings Report

Reports in 15 days

Report Date Apr 22, 2026

Time AMC

Whisper Spread +5.93%

Consensus Estimate

$0.57

Official analyst average

Whisper Number

$0.60

What traders expect

Bullish Sentiment: The whisper number is 5.9% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 21, 2026

1-Day: +4.51%

5-Day: +0.62%

Q4 2025 Dec 31, 2025

5-Day: +4.10%

Q3 2025 Oct 22, 2025

1-Day: -3.29%

5-Day: -5.02%

Q2 2025 Jul 23, 2025

1-Day: +0.56%

5-Day: +5.16%

Revenue & Financial Performance

Revenue Whisper

$279.0M

TWN Proprietary Estimate

Last Quarter Revenue

$289.4M

+20.6% YoY

Gross Margin

58.5%

Net Margin: 15.2%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$289.4M	+20.6%	58.5%	27.7%	$44.1M
Q3'25	$258.4M	+8.5%	46.5%	14.2%	$26.5M
Q2'25	$257.1M	+11.5%	46.2%	12.1%	$23.4M
Q1'25	$236.3M	+7.2%	40.1%	5.6%	$9.7M
Q4'24	$239.9M	+21.1%	38.0%	5.5%	$9.9M
Q3'24	$238.3M	+10.3%	38.5%	7.5%	$13.0M
Q2'24	$230.5M	+19.8%	48.4%	15.6%	$27.0M
Q1'24	$220.6M	+29.8%	46.2%	10.0%	$27.6M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 21, 2026	$0.57	$0.54	$0.95	+66.67%	Beat
Q4 2025	Dec 31, 2025	$0.56	$0.52	$0.47	-16.33%	Missed
Q3 2025	Oct 22, 2025	$0.59	$0.51	$0.59	-0.58%	Beat
Q2 2025	Jul 23, 2025	$0.50	$0.45	$0.53	+6.00%	Beat
Q1 2025	Apr 23, 2025	$0.37	$0.33	$0.26	-29.73%	Missed
Q4 2024	Jan 22, 2025	$0.53	$0.50	$0.27	-49.06%	Missed
Q3 2024	Oct 23, 2024	$0.55	$0.59	$0.28	-49.09%	Missed
Q2 2024	Jul 24, 2024	$0.46	$0.50	$0.59	+28.26%	Beat
Q1 2024	Apr 24, 2024	$0.47	$0.47	$0.36	-23.40%	Missed
Q4 2023	Jan 24, 2024	$0.44	$0.41	$0.36	-18.18%	Missed
Q3 2023	Oct 25, 2023	$0.48	$0.42	$0.88	+83.33%	Beat
Q2 2023	Jul 25, 2023	$0.31	$0.26	$0.39	+25.81%	Beat