Live Oak Bancshares, Inc. (LOB) EBT Margin (2014 - 2026)
Live Oak Bancshares' EBT Margin was 29.34% in Q2 2026, up 7.01 percentage points from 22.34% a year earlier and up 1.79 percentage points from the prior quarter.
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Live Oak Bancshares, Inc. (LOB) EBT Margin (2014 - 2026) Analysis & Trends
On a trailing twelve-month basis, Live Oak Bancshares' EBT Margin was 30.25% through Jun 30, 2026, up 15.45 percentage points year-over-year; for FY2025, it was 24.72%, up 6.45 percentage points from FY2024.
- EBT Margin shows a five-year change of +7.84 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 18.27% in FY2024 (-0.17 pp), 18.44% in FY2023 (-18.76 pp), 37.19% in FY2022 (-8.93 pp) and 46.13% in FY2021 (+29.24 pp).
- Quarterly EBT Margin has moved between 0.68% (Q4 2022) and 58.68% (Q2 2022) over five years.
- Compared with a year earlier, EBT Margin has increased for four straight quarters, with an average year-over-year change of +2.90 percentage points over the last eight quarters.
- The best year-over-year quarter for EBT Margin over five years was Q4 2025 (a gain of 26.94 percentage points); the worst was Q4 2022 (a drop of 42.21 percentage points).
- Per Business Quant data, LOB's EBT Margin in the three quarters before Q2 2026 was 27.55% (Q1 2026), 38.25% (Q4 2025) and 25.03% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 29.34% |
| Mar 31, 2026 | 27.55% |
| Dec 31, 2025 | 38.25% |
| Sep 30, 2025 | 25.03% |
| Jun 30, 2025 | 22.34% |
| Mar 31, 2025 | 10.68% |
| Dec 31, 2024 | 11.31% |
| Sep 30, 2024 | 13.73% |
| Jun 30, 2024 | 28.74% |
| Mar 31, 2024 | 19.02% |
| Dec 31, 2023 | 15.62% |
| Sep 30, 2023 | 33.59% |
| Jun 30, 2023 | 17.49% |
| Mar 31, 2023 | 3.56% |
| Dec 31, 2022 | 0.68% |
| Sep 30, 2022 | 31.35% |
| Jun 30, 2022 | 58.68% |
| Mar 31, 2022 | 38.84% |
| Dec 31, 2021 | 42.89% |
| Sep 30, 2021 | 41.97% |
API Access
Live Oak Bancshares, Inc. EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "LOB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();