For the quarter ended December 2025, Live Oak Bancshares (LOB Quick QuoteLOB - Free Report) reported revenue of $172.91 million, up 35% over the same period last year. EPS came in at $0.95, compared to $0.22 in the year-ago quarter.

The reported revenue represents a surprise of +16.32% over the Zacks Consensus Estimate of $148.65 million. With the consensus EPS estimate being $0.56, the EPS surprise was +69.64%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Live Oak Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net charge-offs to average loans and leases held for investment: 0.5% compared to the 0.4% average estimate based on two analysts.
• Net Interest Margin: 3.4% versus 3.3% estimated by two analysts on average.
• Average Balance - Total interest-earning assets: $14.47 billion compared to the $14.03 billion average estimate based on two analysts.
• Efficiency Ratio: 51.6% versus 66.6% estimated by two analysts on average.
• Total noninterest income: $49.79 million versus $30.69 million estimated by two analysts on average.
• Net Interest Income: $123.12 million compared to the $116.39 million average estimate based on two analysts.

View all Key Company Metrics for Live Oak Bancshares here>>>

Shares of Live Oak Bancshares have returned +2% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.