Compared to Estimates, Live Oak Bancshares (LOB) Q1 Earnings: A Look at Key Metrics

For the quarter ended March 2025, Live Oak Bancshares (LOB) reported revenue of $126.11 million, up 8.5% over the same period last year. EPS came in at $0.21, compared to $0.36 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $130.7 million, representing a surprise of -3.51%. The company delivered an EPS surprise of -44.74%, with the consensus EPS estimate being $0.38.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.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: Efficiency Ratio: 66.6% versus the two-analyst average estimate of 69.9%. Average Balance - Total interest-earning assets: $12.76 billion versus the two-analyst average estimate of $12.54 billion. Net charge-offs to average loans and leases held for investment: 0.3% compared to the 0.6% average estimate based on two analysts. Net Interest Margin: 3.2% versus 3.2% estimated by two analysts on average. Total noninterest income: $25.58 million compared to the $32.87 million average estimate based on two analysts. Net Interest Income: $100.53 million versus $97.87 million estimated by two analysts on average. View all Key Company Metrics for Live Oak Bancshares here>>>Shares of Live Oak Bancshares have returned -10.7% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.7 Best Stocks for the Next 30 DaysJust released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."Since 1988, the full list has beaten the market more than 2X over with an average gain of +23.9% per year. So be sure to give these hand picked 7 your immediate attention. See them 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