Live Oak Bancshares (LOB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Live Oak Bancshares (LOB) reported $146.1 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 12.4%. EPS of $0.55 for the same period compares to $0.28 a year ago.The reported revenue represents a surprise of -0.85% over the Zacks Consensus Estimate of $147.35 million. With the consensus EPS estimate being $0.58, the EPS surprise was -5.17%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Live Oak Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net charge-offs to average loans and leases held for investment: 0.6% versus 0.4% estimated by two analysts on average.Net Interest Margin: 3.3% compared to the 3.3% average estimate based on two analysts.Average Balance - Total interest-earning assets: $13.77 billion versus the two-analyst average estimate of $13.41 billion.Efficiency Ratio: 59.7% versus 51.3% estimated by two analysts on average.Total noninterest income: $30.61 million compared to the $33.71 million average estimate based on two analysts.Net Interest Income: $115.49 million versus $112.25 million estimated by two analysts on average.View all Key Company Metrics for Live Oak Bancshares here>>>Shares of Live Oak Bancshares have returned -3.5% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Beyond Nvidia: AI's Second Wave Is HereThe AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. Little-known AI firms tackling the world's biggest problems may be more lucrative in the coming months and years.See "2nd Wave" AI stocks now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Live Oak Bancshares, Inc. (LOB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks