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Live Oak Bancshares vs FB Financial: LOB and FBK compared
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $174M for FB Financial (Q3 2026). Live Oak Bancshares is growing faster (+23% against +0.4% a year earlier). FB Financial is more profitable, with an operating margin of 44.1% against 20.1%.
Where the money goes: LOB and FBK
Live Oak Bancshares (LOB) · Q3 2026
Live Oak Bancshares, Q3 2026: revenue $176M (+23% year over year), operating margin 20.1%, net earnings $26.3M, operating cash flow $127M. The chart follows the revenue to costs, profit and cash.
FB Financial (FBK) · Q3 2026
FB Financial, Q3 2026: revenue $174M (+0.4% year over year), operating margin 44.1%, net earnings $60.2M, operating cash flow $19.7M. The chart follows the revenue to costs, profit and cash.
| Live Oak Bancshares (LOB) | FB Financial (FBK) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $176M | $174M |
| Revenue growth, Y/Y | +23% | +0.4% |
| Operating margin | 20.1% | 44.1% |
| Net earnings | $26.3M | $60.2M |
| Net margin | 15.0% | 34.5% |
| Operating cash flow | $127M | $19.7M |
| Free cash flow | $124M | $18.2M |
Where the revenue comes from
Live Oak Bancshares
- Net interest income: $133M (76%)
- Noninterest income: $42.6M (24%)
FB Financial
- Net interest income: $150M (86%)
- Noninterest income: $24.5M (14%)
Questions
Which is bigger, Live Oak Bancshares or FB Financial?
Live Oak Bancshares is the larger company: $176M of revenue in its latest quarter (Q3 2026) against $174M for FB Financial (Q3 2026).
Is Live Oak Bancshares or FB Financial growing faster?
Live Oak Bancshares is growing faster (+23% against +0.4% a year earlier).
Which is more profitable, Live Oak Bancshares or FB Financial?
FB Financial is more profitable, with an operating margin of 44.1% against 20.1%.
More: Live Oak Bancshares earnings · how Live Oak Bancshares makes money · FB Financial earnings · how FB Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 3, 2026; 10-Q filed Nov 2, 2026). Fiscal quarters can end on different dates. Not investment advice.