Live Oak Bancshares (LOB) EBT Margin (2014 - 2026)

Live Oak Bancshares' EBT Margin history runs 13 years deep, the most recent figure standing at 32.82% for Q1 2026.

• On a quarterly basis, EBT Margin rose 2009.0% year-over-year to 32.82% in Q1 2026; TTM through Mar 2026 was 31.42%, a 2227.0% increase from a year earlier, with the FY2025 full-year figure at 30.64%, up 764.0% from the prior year.
• EBT Margin declined to 32.82% in Q1 2026 per LOB's latest filing, from 48.25% in the prior quarter.
• Across five years, EBT Margin topped out at 147.69% in Q2 2022 and bottomed at 0.33% in Q4 2022.
• The 5-year median for EBT Margin is 22.55% (2024), against an average of 31.37%.
• Across the five-year window, EBT Margin plunged 12593 bps in 2023 and surged 4576 bps in 2025, its largest moves.
• Year by year, EBT Margin stood at 0.33% in 2022, then surged by 918 bps to 3.38% in 2023, then decreased by 26 bps to 2.49% in 2024, then soared by 1837 bps to 48.25% in 2025, then tumbled by 32 bps to 32.82% in 2026.
• Per Business Quant, the three latest LOB EBT Margin figures stand at 32.82% (Q1 2026), 48.25% (Q4 2025), and 25.03% (Q3 2025).