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Live Oak Bancshares profit margin LOB

Gross, operating and net profit as a share of revenue over the last twelve months, from 2015.

Net margin, 12 months
22.9%
Net margin on a year earlier
+12.1 pts
Peer median
31.8%

Over the twelve months to Jun 30, 2026, Live Oak Bancshares kept 22.9% of its revenue as net profit.

Five years earlier its net margin was 40.2%.

The median for 10 regional banks of a similar size is 31.8%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202518.6%
FY202415.5%
FY202316.2%
FY202231.2%
FY202136.5%
FY202021.2%
FY20198.9%
FY201824.3%
FY201740.0%
FY201610.1%
FY201518.8%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2622.9%+12.1 pts
Q1 FY2621.3%+9.5 pts
Q4 FY2518.6%+3.1 pts
Q3 FY2513.0%−4.1 pts
Q2 FY2510.8%−11.8 pts
Q1 FY2511.8%−9.7 pts
Q4 FY2415.5%−0.7 pts
Q3 FY2417.0%+3.6 pts
Q2 FY2422.6%+8.9 pts
Q1 FY2421.4%−4.1 pts
Q4 FY2316.2%−15.0 pts
Q3 FY2313.5%−22.3 pts

Against its peers

Companies in Banks - Regional nearest Live Oak Bancshares' size, closest first, today.

CompanyProfit margin
LOBLive Oak Bancshares22.9%
CNOBConnectOne Bancorp34.0%
OBKOrigin Bancorp23.5%
TCBKTrico Bancshares31.0%
QCRHQCR35.8%
BYByline Bancorp32.3%
TFINTriumph Financial10.7%
AMALAmalgamated Financial31.3%
ESQEsquire Financial33.0%
STBAS&T Bancorp33.8%
RBCAARepublic Bancorp31.3%
Peer median31.8%

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Live Oak Bancshares

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.