Live Oak Bancshares (LOB) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Live Oak Bancshares (LOB) reported revenue of $128.07 million for Q4 2024, a 7% year-over-year increase, but EPS decreased to$ 0.22 from $0.36 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of$ 125.9 million by 1.72%, while the EPS fell short of the consensus estimate of $0.49 by 55.10% [1] Financial Performance Metrics - Net charge-offs to average loans and leases held for investment were reported at 1.4%, significantly higher than the estimated 0.3% [4] - Net Interest Margin remained stable at 3.2%, matching the analysts' estimate [4] - Average balance of total interest-earning assets was$ 12.31 billion, slightly above the estimated $12.13 billion [4] - Efficiency Ratio improved to 63.5%, better than the estimated 67.5% [4] - Total noninterest income was$ 30.59 million, exceeding the average estimate of $29.22 million [4] - Net Interest Income was reported at$ 97.47 million, also above the estimated $96.72 million [4] Stock Performance - Shares of Live Oak Bancshares have returned +4.4% over the past month, outperforming the Zacks S&P 500 composite's +2.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]