Filing Flows › Live Oak Bancshares (LOB) › How it makes money
How Live Oak Bancshares (LOB) makes money
Live Oak Bancshares (LOB) made $176M of revenue in the third quarter 2026 (Q3 2026), +23% from a year earlier. Net interest income brought in $133M (76%); Noninterest income brought in $42.6M (24%). Of every dollar of revenue, 20¢ was left as operating profit, 15¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $133M | 75.7% | +6% | +15% |
| Noninterest income | $42.6M | 24.3% | +38% | +59% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $176M | 100.0% |
| Operating profit | $35.2M | 20.1% |
| Income tax | $9.0M | 5.1% |
| Net earnings | $26.3M | 15.0% |
| Operating cash flow | $127M | 72.2% |
| Free cash flow | $124M | 70.8% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $176M | +23% |
From Live Oak Bancshares' 10-Q filed Nov 3, 2026 (on EDGAR).
Questions
How does Live Oak Bancshares make money?
Live Oak Bancshares (LOB) made $176M of revenue in the third quarter 2026 (Q3 2026), +23% from a year earlier. Net interest income brought in $133M (76%); Noninterest income brought in $42.6M (24%). Of every dollar of revenue, 20¢ was left as operating profit, 15¢ was left as net earnings.
What is Live Oak Bancshares' biggest business?
Net interest income: $133M in the third quarter 2026, 76% of revenue, +15% from a year earlier.
What is Live Oak Bancshares' profit margin?
Net earnings were $26.3M, 15.0% of revenue, in the third quarter 2026; the operating margin was 20.1%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.