Live Oak Bancshares Faces Investigation Over Financial Restatement
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 26 2025
0mins
Should l Buy LOB?
Source: Globenewswire
- Financial Restatement: Live Oak Bancshares disclosed on November 12, 2025, that it will amend its 2024 Annual Report and Q1 and Q2 2025 Quarterly Reports due to errors in cash flow classification, indicating significant deficiencies in the company's financial transparency.
- Investor Impact: Following the announcement of the financial restatement, Live Oak's shares fell sharply, reflecting a decline in market confidence regarding the company's governance and financial management, which may lead to investor concerns about future performance.
- Legal Investigation Initiated: The Schall Law Firm has begun investigating Live Oak for potential false or misleading statements, suggesting the company may face legal liabilities, further exacerbating investor anxiety.
- Management Acknowledgment: The management acknowledged that the relative size of the misclassification is
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Analyst Views on LOB
Wall Street analysts forecast LOB stock price to rise
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 40.220
Low
35.00
Averages
42.67
High
50.00
Current: 40.220
Low
35.00
Averages
42.67
High
50.00
About LOB
Live Oak Bancshares, Inc. is the bank holding company for Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. The Bank operates a national online platform for small business lending and deposit gathering. In addition to the Bank, the Company directly or indirectly holds wholly owned subsidiaries, including Live Oak Ventures, Inc. (Live Oak Ventures), Live Oak Grove, LLC (Grove), and Government Loan Solutions, Inc. (GLS). Live Oak Ventures has an investment in Synply, Inc. (Synply). Synply is a cloud-based technology platform designed to simplify the loan syndication process for financial institutions. The Grove provides Company employees and business visitors with on-site dining at the Company’s Wilmington, North Carolina headquarters. GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government-guaranteed lending sector.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Live Oak Bancshares (LOB) Reports $44M Net Income in Q4 2025 with 17% Loan Growth
- Loan Production Innovation: In 2025, Live Oak Bancshares achieved $6.2 billion in loan production, reflecting a 17% year-over-year growth that demonstrates strong market demand and customer trust, further solidifying its position in a competitive financial landscape.
- Profitability Enhancement: The bank reported a net income of $44 million and earnings per share of $0.95 in Q4, both approximately three times higher than Q4 2024, showcasing the company's success in operational efficiency and deepening customer relationships.
- Customer Relationship Expansion: The growth rate of loan and deposit customer relationships surged from 6% to 22% in 2025, indicating significant progress in attracting new clients and enhancing customer loyalty, which is expected to drive sustained revenue growth in the future.
- Strategic Investment Focus: Management plans to continue focusing on expanding business checking and Live Oak Express in 2026 while increasing investments in technology and AI to enhance operational efficiency and customer service quality.
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- Significant Earnings Growth: Live Oak Bancshares reported fourth-quarter earnings of $44.12 million, or $0.95 per share, a substantial increase from last year's $9.90 million and $0.22 per share, indicating a strong improvement in profitability.
- Revenue Surge: The company's revenue rose 38.3% year-over-year to $172.91 million, up from $125.02 million last year, reflecting robust business expansion and strong market demand.
- Strong Financial Performance: The dual growth in earnings and revenue highlights the company's significant market share gains in a competitive financial landscape, boosting investor confidence.
- Positive Future Outlook: With continued growth in revenue and earnings, Live Oak Bancshares is well-positioned to further enhance its market presence and deliver higher returns for shareholders in the future.
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- Significant Revenue Growth: The company achieved Q4 revenue of $172.91 million, marking a 35% year-over-year increase and surpassing estimates by $18.16 million, indicating strong business expansion and market demand recovery.
- Positive Stock Reaction: Shares of Live Oak Bancshares rose 1% in after-hours trading, reflecting market recognition of its financial performance and potentially attracting more investor interest.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the company is expected to maintain strong revenue growth in the coming quarters, further solidifying its position in the financial services industry.
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- Industry Comparison: CACI anticipates an EPS of $6.41, a 7.73% increase from the previous year, having exceeded expectations every quarter in the past year, showcasing its competitive edge in the computer services industry.
- Financial Performance: Pinnacle Financial Partners forecasts an EPS of $2.32, representing a 22.11% increase year-over-year, consistently beating expectations over the past year, highlighting its strong market performance.
- Significant Growth: Live Oak Bancshares expects an EPS of $0.56, a remarkable 154.55% increase, reflecting rapid growth and an increase in market share within the banking sector.
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- Earnings Report Preview: After the market closes on Wednesday, major companies including Kinder Morgan (KMI), Knight-Swift Transportation Holdings (KNX), CACI International (CACI), RLI Corp. (RLI), and NVE Corporation (NVEC) are set to release their earnings, with market participants anticipating how these results will impact stock prices.
- Market Focus: Investors will closely monitor these earnings to assess company performance in the current economic climate, particularly how dynamics in the transportation and energy sectors may influence overall market sentiment.
- Additional Earnings Releases: In addition to the major players, other companies such as BANC, FULT, LOB, and TCBX are also scheduled to report earnings after Wednesday's close, adding to the richness of the earnings season narrative.
- Earnings Season Calendar: Seeking Alpha provides a comprehensive earnings season calendar, assisting investors in tracking upcoming earnings reports to ensure timely access to critical information for informed investment decisions.
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- Earnings Announcement Schedule: Live Oak Bancshares is set to release its Q4 2023 earnings report on January 21 after market close, with consensus estimates predicting an EPS of $0.56 and revenue of $154.75 million, reflecting a 20.8% year-over-year growth.
- Performance Expectation Analysis: Over the past year, LOB has met EPS estimates 50% of the time and revenue estimates 50% of the time, indicating volatility in the company's performance metrics.
- Expectation Revision Dynamics: In the last three months, EPS estimates have seen no upward revisions and four downward revisions, while revenue estimates experienced two upward revisions and one downward revision, suggesting a cautious market outlook on the company's future performance.
- Strategic Goals: Live Oak Bancshares aims to achieve a 15% return on equity (ROE) within the next 24 months and is expanding its AI-driven lending services to enhance its competitive position in the market.
See More
Live Oak Bancshares (LOB) Reports $44M Net Income in Q4 2025 with 17% Loan Growth
- Loan Production Innovation: In 2025, Live Oak Bancshares achieved $6.2 billion in loan production, reflecting a 17% year-over-year growth that demonstrates strong market demand and customer trust, further solidifying its position in a competitive financial landscape.
- Profitability Enhancement: The bank reported a net income of $44 million and earnings per share of $0.95 in Q4, both approximately three times higher than Q4 2024, showcasing the company's success in operational efficiency and deepening customer relationships.
- Customer Relationship Expansion: The growth rate of loan and deposit customer relationships surged from 6% to 22% in 2025, indicating significant progress in attracting new clients and enhancing customer loyalty, which is expected to drive sustained revenue growth in the future.
- Strategic Investment Focus: Management plans to continue focusing on expanding business checking and Live Oak Express in 2026 while increasing investments in technology and AI to enhance operational efficiency and customer service quality.
See More
Live Oak Bancshares Reports Q4 Earnings Surge to $44.12 Million
- Significant Earnings Growth: Live Oak Bancshares reported fourth-quarter earnings of $44.12 million, or $0.95 per share, a substantial increase from last year's $9.90 million and $0.22 per share, indicating a strong improvement in profitability.
- Revenue Surge: The company's revenue rose 38.3% year-over-year to $172.91 million, up from $125.02 million last year, reflecting robust business expansion and strong market demand.
- Strong Financial Performance: The dual growth in earnings and revenue highlights the company's significant market share gains in a competitive financial landscape, boosting investor confidence.
- Positive Future Outlook: With continued growth in revenue and earnings, Live Oak Bancshares is well-positioned to further enhance its market presence and deliver higher returns for shareholders in the future.
See More
Live Oak Bancshares (LOB) Q4 EPS Beats Expectations with 35% Revenue Growth
- Earnings Surprise: Live Oak Bancshares reported a Q4 GAAP EPS of $0.95, exceeding expectations by $0.15, which highlights the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $172.91 million, marking a 35% year-over-year increase and surpassing estimates by $18.16 million, indicating strong business expansion and market demand recovery.
- Positive Stock Reaction: Shares of Live Oak Bancshares rose 1% in after-hours trading, reflecting market recognition of its financial performance and potentially attracting more investor interest.
- Optimistic Future Outlook: With ongoing operational optimizations and market share expansion, the company is expected to maintain strong revenue growth in the coming quarters, further solidifying its position in the financial services industry.
See More
Kinder Morgan (KMI) Expected EPS of $0.37, 15.63% YoY Growth
- Earnings Forecast: Kinder Morgan is expected to report an EPS of $0.37 for Q4 2025, reflecting a 15.63% increase year-over-year, indicating robust growth potential in the oil and gas sector.
- Industry Comparison: CACI anticipates an EPS of $6.41, a 7.73% increase from the previous year, having exceeded expectations every quarter in the past year, showcasing its competitive edge in the computer services industry.
- Financial Performance: Pinnacle Financial Partners forecasts an EPS of $2.32, representing a 22.11% increase year-over-year, consistently beating expectations over the past year, highlighting its strong market performance.
- Significant Growth: Live Oak Bancshares expects an EPS of $0.56, a remarkable 154.55% increase, reflecting rapid growth and an increase in market share within the banking sector.
See More
Major Earnings Reports After Bell: KMI, KNX, CACI, RLI, NVEC
- Earnings Report Preview: After the market closes on Wednesday, major companies including Kinder Morgan (KMI), Knight-Swift Transportation Holdings (KNX), CACI International (CACI), RLI Corp. (RLI), and NVE Corporation (NVEC) are set to release their earnings, with market participants anticipating how these results will impact stock prices.
- Market Focus: Investors will closely monitor these earnings to assess company performance in the current economic climate, particularly how dynamics in the transportation and energy sectors may influence overall market sentiment.
- Additional Earnings Releases: In addition to the major players, other companies such as BANC, FULT, LOB, and TCBX are also scheduled to report earnings after Wednesday's close, adding to the richness of the earnings season narrative.
- Earnings Season Calendar: Seeking Alpha provides a comprehensive earnings season calendar, assisting investors in tracking upcoming earnings reports to ensure timely access to critical information for informed investment decisions.
See More
Live Oak Bancshares (LOB) to Announce Q4 Earnings on January 21, Expected EPS of $0.56
- Earnings Announcement Schedule: Live Oak Bancshares is set to release its Q4 2023 earnings report on January 21 after market close, with consensus estimates predicting an EPS of $0.56 and revenue of $154.75 million, reflecting a 20.8% year-over-year growth.
- Performance Expectation Analysis: Over the past year, LOB has met EPS estimates 50% of the time and revenue estimates 50% of the time, indicating volatility in the company's performance metrics.
- Expectation Revision Dynamics: In the last three months, EPS estimates have seen no upward revisions and four downward revisions, while revenue estimates experienced two upward revisions and one downward revision, suggesting a cautious market outlook on the company's future performance.
- Strategic Goals: Live Oak Bancshares aims to achieve a 15% return on equity (ROE) within the next 24 months and is expanding its AI-driven lending services to enhance its competitive position in the market.
See More
