Live Oak Bancshares (LOB Quick QuoteLOB - Free Report) reported $175.65 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 20.2%. EPS of $0.52 for the same period compares to $0.55 a year ago.

The reported revenue represents a surprise of +4.86% over the Zacks Consensus Estimate of $167.5 million. With the consensus EPS estimate being $0.64, the EPS surprise was -18.75%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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: 1% compared to the 0.9% average estimate based on two analysts.
• Net Interest Margin: 3.3% compared to the 3.3% average estimate based on two analysts.
• Average Balance - Total interest-earning assets: $15.99 billion versus $15.45 billion estimated by two analysts on average.
• Efficiency Ratio: 48.8% versus 58.6% estimated by two analysts on average.
• Total noninterest income: $42.64 million versus the two-analyst average estimate of $38.3 million.
• Net Interest Income: $133.01 million versus the two-analyst average estimate of $129.25 million.

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

Shares of Live Oak Bancshares have returned -6.6% over the past month versus the Zacks S&P 500 composite's +1% 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.