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

Live Oak Bancshares' Net Margin history runs 13 years deep, the most recent figure standing at 22.88% for Q1 2026.

• On a quarterly basis, Net Margin rose 1346.0% year-over-year to 22.88% in Q1 2026; TTM through Mar 2026 was 22.4%, a 1560.0% increase from a year earlier, with the FY2025 full-year figure at 22.06%, up 209.0% from the prior year.
• Net Margin declined to 22.88% in Q1 2026 per LOB's latest filing, from 34.39% in the prior quarter.
• Across five years, Net Margin topped out at 117.17% in Q2 2022 and bottomed at 0.45% in Q1 2023.
• The 5-year median for Net Margin is 20.12% (2023), against an average of 25.64%.
• Across the five-year window, Net Margin tumbled 9705 bps in 2023 and surged 3252 bps in 2025, its largest moves.
• Year by year, Net Margin stood at 0.83% in 2022, then jumped by 277 bps to 3.12% in 2023, then sank by 40 bps to 1.86% in 2024, then jumped by 1745 bps to 34.39% in 2025, then tumbled by 33 bps to 22.88% in 2026.
• Per Business Quant, the three latest LOB Net Margin figures stand at 22.88% (Q1 2026), 34.39% (Q4 2025), and 17.5% (Q3 2025).