Live Oak Bancshares, Inc. Announces Date of Fourth Quarter 2025 Financial Results

Rhea-AI Summary

Live Oak Bancshares (NYSE: LOB) will report fourth quarter 2025 financial results after U.S. markets close on Wednesday, January 21, 2026. The company will host a conference call to discuss results and outlook on Thursday, January 22, 2026 at 9:00 a.m. ET. The call is accessible by telephone (U.S. 800.549.8228; International +646.564.2877) and via webcast at investor.liveoakbank.com using Conference ID: 06698. A supplemental slide presentation will be posted before the event and a replay will be available for 12 months after the call. Webcast registration requires name and email; a multi-factor code is provided after registration.

News Market Reaction

+5.13%

1 alert

+5.13% News Effect

On the day this news was published, LOB gained 5.13%, reflecting a notable positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Earnings release date: January 21, 2026 Conference call time: 9:00 a.m. ET Replay availability: 12 months +1 more

4 metrics

Earnings release date January 21, 2026 Fourth quarter 2025 financial results after U.S. market close

Conference call time 9:00 a.m. ET Earnings call on January 22, 2026

Replay availability 12 months Replay of the earnings conference call

Conference ID 06698 Telephone / webcast access code for call

Market Reality Check

Price: $40.83 Vol: Volume 274,225 is below t...

normal vol

$40.83 Last Close

Volume Volume 274,225 is below the 20-day average of 349,532 (relative volume 0.78) ahead of the earnings date announcement. normal

Technical Shares at $36.37 are trading above the 200-day MA of $31.59, about 12.48% below the 52-week high and 60.36% above the 52-week low.

Peers on Argus

LOB gained 1.71% pre-announcement while most regional bank peers like CASH, FCF,...

LOB gained 1.71% pre-announcement while most regional bank peers like CASH, FCF, NWBI, and STEL also showed modest gains and VBTX was slightly negative, suggesting stock-specific positioning rather than a strong sector-wide move.

Historical Context

5 past events · Latest: Dec 01 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 01	Management change	Positive	-1.1%	New Chief Risk Officer added as assets surpassed the $10B threshold.
Oct 22	Quarterly earnings	Positive	-0.3%	3Q 2025 earnings with strong asset, loan, and deposit growth metrics.
Oct 08	Earnings date set	Neutral	+0.1%	Scheduled 3Q 2025 results release and investor conference call details.
Oct 06	Operational milestone	Positive	-0.3%	Named most active SBA 7(a) lender by dollar amount for FY 2025.
Aug 19	Strategic investment	Positive	+3.1%	Investment in AI-powered lending platform to automate loan origination.

Pattern Detected

Recent positive operational updates often saw flat to mildly negative next-day moves, with the AI investment as the main notably positive reaction.

Recent Company History

Over the last six months, Live Oak Bancshares reported solid 3Q 2025 results with $25.6M net income, $146.1M revenue, and assets reaching $14.67B. The bank strengthened governance by appointing a new Chief Risk Officer after surpassing the $10B asset threshold and led the nation in SBA 7(a) lending, funding over $2.8B across 2,280 approvals. It also made a strategic AI-driven lending investment through Live Oak Ventures. Today’s earnings-date notice follows a similar prior scheduling announcement in October 2025 that coincided with minimal price reaction.

Market Pulse Summary

The stock moved +5.1% in the session following this news. A strong positive reaction aligns with ant...

Analysis

The stock moved +5.1% in the session following this news. A strong positive reaction aligns with anticipation ahead of the scheduled fourth-quarter results. The stock had recently traded at $36.37, above its 200-day MA of $31.59 and about 12.48% below its 52-week high, suggesting prior constructive positioning. Historical news shows mixed reactions to positive updates, so a sharp move could reflect elevated expectations into the call. Investors may monitor post-earnings commentary and any changes versus the strong 3Q 2025 metrics.

Key Terms

webcast, multi-factor code

2 terms

webcast technical

"The call will be accessible by telephone and webcast using Conference ID"

A webcast is a live or recorded online event where people watch or listen to presentations, announcements, or performances through the internet. It’s like a TV broadcast but over the internet, allowing viewers from anywhere to tune in in real time or later. Webcasts are important because they let companies share information quickly and widely with audiences around the world.

multi-factor code technical

"Multi-Factor Code: Provided After Registration"

A multi-factor code is a short, time-limited numeric or alphanumeric code used as one part of multi-factor authentication to confirm a user’s identity when accessing sensitive accounts or systems. For investors, it matters because these codes help prevent unauthorized trades, data breaches or fraud—like a second key on a safe—reducing the risk that security lapses will damage a company’s operations, reputation, or stock value.

AI-generated analysis. Not financial advice.

WILMINGTON, N.C., Jan. 07, 2026 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (NYSE: LOB) today announced that it will report its fourth quarter 2025 financial results after U.S. financial markets close on Wednesday, January 21, 2026.

In conjunction with this announcement, Live Oak will host a conference call to discuss the company's financial results and business outlook on Thursday, January 22, 2026, at 9:00 a.m. ET.

The call will be accessible by telephone and webcast using Conference ID: 06698. A supplementary slide presentation will be posted to the website prior to the event, and a replay will be available for 12 months following the event.

The conference call details are as follows:

Live Telephone Dial-In
U.S.: 800.549.8228
International: +646.564.2877
Pass Code: None Required

Live Webcast Log-In
Webcast Link: investor.liveoakbank.com
Registration: Name and Email Required
Multi-Factor Code: Provided After Registration

About Live Oak Bancshares
Live Oak Bancshares, Inc. (NYSE: LOB) is a financial holding company and parent company of Live Oak Bank. Live Oak Bancshares and its subsidiaries partner with businesses that share a groundbreaking focus on service and technology to redefine banking. To learn more, visit liveoakbank.com. 

Contacts:
Walter J. Phifer | CFO
910.202.6929

Claire Parker | Investor Relations
910.597.1592

FAQ

When will Live Oak Bancshares (LOB) release its Q4 2025 results?

Live Oak Bancshares will release Q4 2025 results after U.S. market close on Wednesday, January 21, 2026.

What time is the Live Oak Bancshares (LOB) conference call for Q4 2025 results?

The conference call is scheduled for Thursday, January 22, 2026 at 9:00 a.m. ET.

How can I join the Live Oak Bancshares (LOB) Q4 2025 webcast?

Join the webcast at investor.liveoakbank.com; registration requires name and email and a multi-factor code is provided after registering.

Will there be a replay of the Live Oak Bancshares (LOB) Q4 2025 earnings call?

Yes. A replay of the call will be available for 12 months following the event.

What telephone numbers can investors use to dial into the LOB earnings call?

U.S. dial-in: 800.549.8228; International dial-in: +646.564.2877; Conference ID: 06698.