Live Oak Bancshares Inc (LOB) FinancialsLOBLive Oak Bancshares Inc

Evaluating the bottom line, Live Oak Bancshares, Inc. maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 30.45%, while the net margin is 24.41%. These profitability ratios, combined with a Return on Equity (ROE) of 11.61%, provide a clear picture of how effectively LOB converts its operational activities into shareholder value.

In the context of the broader market, LOB competes directly with industry leaders such as RBCAA and BFC. With a market capitalization of $1.62B, it holds a significant position in the sector. When comparing efficiency, LOB's gross margin of N/A stands against RBCAA's N/A and BFC's N/A. Such benchmarking helps identify whether Live Oak Bancshares, Inc. is trading at a premium or discount relative to its financial performance.

Live Oak Bancshares has shown strong financial performance, with Q2 2026 EPS reported at $0.74, a 15.63% surprise over estimates, and net income growth of 24.41% year-over-year. Total revenue for Q2 2026 reached $150.34 million, demonstrating solid operational momentum.