NASDAQ$LOB
Live Oak Bancshares Inc. · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
Reported fourth quarter results with net income attributable to the company.
Live Oak Bancshares reported a net income of $9.9 million, or $0.22 per diluted share, for the fourth quarter of 2024. The company experienced a record year of loan production and strong deposit growth, which contributed to a 9% growth in revenue for the full year.
- Net income attributable to the company was $9.9 million, or $0.22 per diluted share.
- Total revenue reached $128.07 million.
- Loans and leases originated amounted to $1.42 billion.
- Noninterest expense totaled $81.26 million.
Headline financials
Revenue & EPS history
Live Oak · Revenue · Quarterly
$128M
Revenue by segment
Live Oak · $18.7M total across 3 segments · Q3 2023
- Net gains on sales of loans$12.7M—67.9%
- Other noninterest income$3.5M—18.7%
- Lease income$2.5M—13.4%
Forward guidance
Forward-looking statements involve significant risks and uncertainties, and actual results may differ materially from those presented.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
-0.4%
Avg return
Earnings day
+0.8%
Avg return
5 days after
+3.7%
Avg return
30 days after
53%
26 / 49 earnings
Positive
+21.3%
Q2 2019
Best reaction
-14.5%
Q4 2018
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +2.4% | +6.9% | +2.6% | |
| Q4 2025 | +4.3% | -0.6% | +4.8% | |
| Q3 2025 | -3.6% | -6.8% | -11.4% | |
| Q2 2025 | +0.1% | +1.4% | +5.9% | |
| Q1 2025 | +7.1% | +7.9% | +8.8% | |
| Q4 2024 | -14.0% | -11.2% | -21.5% | |
| Q3 2024 | -10.6% | -12.7% | +2.1% | |
| Q2 2024 | +2.4% | +1.4% | -0.7% | |
| Q1 2024 | -12.7% | -14.7% | -13.0% | |
| Q4 2023 | -4.4% | -5.4% | -6.6% | |
| Q3 2023 | +7.1% | +7.3% | +21.1% | |
| Q2 2023 | +14.4% | +20.0% | +6.6% | |
| Q1 2023 | +3.5% | +1.5% | +2.8% | |
| Q4 2022 | -0.7% | +6.4% | +13.8% | |
| Q3 2022 | +0.6% | +9.1% | +10.2% | |
| Q2 2022 | +4.3% | +5.1% | +3.4% | |
| Q1 2022 | -0.7% | -5.6% | -12.9% | |
| Q4 2021 | -10.4% | -15.2% | -4.8% | |
| Q3 2021 | +7.4% | +26.0% | +26.9% | |
| Q2 2021 | +9.4% | +7.5% | +1.1% | |
| Q1 2021 | -3.0% | +2.0% | -8.0% | |
| Q4 2020 | -12.8% | -14.9% | +18.3% | |
| Q3 2020 | +0.4% | +3.1% | +33.4% | |
| Q2 2020 | +1.4% | -0.3% | +23.7% | |
| Q1 2020 | -10.8% | -0.4% | -5.6% | |
| Q4 2019 | +6.0% | -1.1% | -3.7% | |
| Q3 2019 | -0.4% | +0.5% | -1.6% | |
| Q2 2019 | +21.3% | +22.7% | +7.7% | |
| Q1 2019 | -1.0% | +9.9% | -0.6% | |
| Q4 2018 | -14.5% | -10.6% | +7.1% | |
| Q3 2018 | -12.4% | -16.0% | -16.4% | |
| Q2 2018 | -7.6% | -12.1% | -6.2% | |
| Q1 2018 | -2.6% | -1.7% | +3.0% | |
| Q4 2017 | +9.1% | +6.9% | +7.1% | |
| Q3 2017 | +2.7% | -0.6% | +2.5% | |
| Q2 2017 | -3.4% | -0.2% | -10.7% | |
| Q1 2017 | +6.5% | +5.0% | +9.2% | |
| Q4 2016 | +2.3% | +4.6% | +23.4% | |
| Q3 2016 | +6.3% | +11.9% | +26.0% | |
| Q2 2016 | -7.5% | -5.8% | +0.1% | |
| Q1 2015 | -2.5% | — | — | |
| Q1 2016 | +0.3% | — | — | |
| Q4 2013 | +2.1% | — | — | |
| Q4 2014 | +2.1% | — | — | |
| Q4 2015 | +5.7% | — | — | |
| Q3 2014 | +0.2% | — | — | |
| Q3 2015 | -8.8% | — | — | |
| Q2 2015 | -2.4% | — | — | |
| Q2 2014 | -2.4% | — | — | |
| Q1 2014 | — | — | — |
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