Countdown to Live Oak Bancshares (LOB) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS

Core Viewpoint - Live Oak Bancshares (LOB) is expected to report significant earnings growth, with a projected EPS of $0.56, marking a 154.6% increase year-over-year, and revenues forecasted at $148.65 million, reflecting a 16.1% increase [1] Earnings Estimates - The consensus EPS estimate has been revised 6% lower in the last 30 days, indicating a collective reevaluation by analysts [2] - Revisions to earnings estimates are crucial indicators for predicting investor actions regarding the stock, with empirical research showing a strong correlation between these revisions and short-term price performance [3] Key Metrics Forecast - Analysts predict a 'Net Interest Margin' of 3.3%, up from 3.2% in the same quarter last year [5] - The 'Average Balance - Total interest-earning assets' is expected to reach $14.03 billion, compared to $12.31 billion in the same quarter last year [5] - The consensus estimate for the 'Efficiency Ratio' is 66.6%, an increase from 63.5% reported in the same quarter last year [6] - 'Total noninterest income' is projected at $30.69 million, slightly up from $30.59 million in the same quarter last year [6] - 'Net Interest Income' is forecasted to be $116.39 million, compared to $97.47 million in the same quarter last year [6] Stock Performance - Shares of Live Oak Bancshares have changed by +0.2% in the past month, while the Zacks S&P 500 composite has moved +1.6%, indicating that LOB is expected to mirror overall market performance [7]