Live Oak Bancshares Q2 2020 Earnings Call Transcript

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A Seeking Alpha transcript of the Live Oak Bancshares, Inc. (LOB) Q2 2020 Results Earnings Conference Call, dated July 23, 2020, 9:00 AM ET. It lists Company Participants including Greg Seward, General Counsel, Chip Mahan, Chairman and CEO, and Brett Caines, CFO, and Conference Call Participants Jennifer Demba of SunTrust and Chris Donat of Piper Sandler. After the operator's introduction, Greg Seward cautions that the company may make forward-looking statements subject to risks and uncertainties, and says information about non-GAAP financial measures can be found in SEC filings.

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*   [Transcripts](https://seekingalpha.com/earnings/earnings-call-transcripts#source=section%3Amain_content%7Csection_asset%3Athemes%7Cbutton%3Atranscripts%7Cfirst_level_url%3Aarticle)

# Live Oak Bancshares, Inc. (LOB) CEO Chip Mahan on Q2 2020 Results - Earnings Call Transcript

Jul 23, 2020, 3:40 PM ET[Live Oak Bancshares, Inc. (LOB) Stock](https://seekingalpha.com/symbol/LOB#source=section%3Amain_content%7Csection_asset%3Ameta%7Cfirst_level_url%3Aarticle%7Csymbol%3ALOB)

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> ### Q2: 2020-07-22 Earnings Summary
> 
> 
> 
> Play Call Play Call
> 
> [Slides](https://seekingalpha.com/article/4360160-live-oak-bancshares-inc-2020-q2-results-earnings-call-presentation#source=first_level_url%3Aarticle%7Csection%3Aearnings_widget%7Cbutton%3Aslides)10-Q
> 
> 
> 
> EPS of $0.09 beats by $0.05 
> 
> 
> 
> |Revenue of $63.31M (30.17% Y/Y) beats by $7.97M

Live Oak Bancshares, Inc. ([LOB](https://seekingalpha.com/symbol/LOB#source=section%3Amain_content%7Cbutton%3Abody_link "Live Oak Bancshares, Inc.")) Q2 2020 Results Earnings Conference Call July 23, 2020 9:00 AM ET

**Company Participants**

Greg Seward - General Counsel

 Chip Mahan - Chairman and CEO

 Huntley Garriott - President

 Brett Caines - CFO

 Steve Smits - Chief Credit Officer

 Neil Underwood - President and Chief Operating Officer

**Conference Call Participants**

Jennifer Demba - SunTrust

 Chris Donat - Piper Sandler

**Operator**

Ladies and gentlemen thank you for standing by and welcome to the Q2 2020 Live Oak Bancshares, Inc. Earnings Conference Call. [Operator Instructions]

I would now like to turn the conference over to Mr. Greg Seward, General Counsel for Live Oak Bancshares. Thank you, sir. Please go ahead.

**Greg Seward**

Thank you and good morning everyone. Welcome to Live Oak’s second quarter 2020 earnings conference call. We are webcasting live over the Internet and this call is being recorded. To access the call over the Internet and review the presentation materials and commentary that we will reference on the call, please visit our website at investor.liveoakbank.com, go to today’s call in our Event Calendar for supporting materials. Our second quarter earnings release is also available on our website.

Before we get started, I would like to caution you that we may make forward-looking statements during today’s call that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from our expectations are detailed in the materials accompanying this call and in our SEC filings. We do not undertake to update the forward-looking statements to reflect the impact of circumstances or events that may arise after the date of today's call. Information about any non-GAAP financial measures referenced, including reconciliation of those measures to GAAP measures, can also be found in our SEC filings and in the presentation materials and commentary.

*   Read more current LOB [analysis and news](https://seekingalpha.com/symbol/LOB)
*   View all [earnings call transcripts](https://seekingalpha.com/earnings/earnings-call-transcripts)

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### Search Transcripts

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[Compare to All LOB Transcripts »](https://seekingalpha.com/symbol/LOB/earnings/transcripts#source=first_level_url%3Aarticle%7Csection%3Aleft_rail%7Csection_asset%3Acompare%7Cbutton%3Aall)

[Compare to Other Companies in this sector »](https://seekingalpha.com/symbol/LOB/peers/comparison#source=first_level_url%3Aarticle%7Csection%3Aleft_rail%7Csection_asset%3Acompare%20transcripts%7Cbutton%3Asector)

### About LOB Stock

| Symbol | Last Price | % Chg |
| --- | --- | --- |
| [LOB](https://seekingalpha.com/symbol/LOB#source=first_level_url%3Aarticle%7Csection%3Aright_rail%7Csection_asset%3Aabout%7Cline%3A1%7Csymbol%3ALOB) Live Oak Bancshares, Inc. | 41.05 | -1.77% |
| Post | 41.05 |  |

*   1D 
*   5D 
*   1M 
*   6M 
*   1Y 
*   5Y 
*   10Y 
*   [](https://seekingalpha.com/symbol/LOB/charting#source=first_level_url%3Aarticle%7Csection%3Aright_rail%7Csection_asset%3Achart_expand)

###### Chart

Combination chart with 2 data series.

View as data table, Chart

The chart has 1 X axis displaying Time. Data ranges from 2016-07-04 00:00:00 to 2026-06-29 00:00:00.

The chart has 1 Y axis displaying values. Data ranges from 9.11 to 97.08.

End of interactive chart.

Market Cap

PE

Yield 

Rev Growth (YoY)

Short Interest

Prev. Close

Compare to Peers

### More on LOB

### [Live Oak Bancshares declares $0.03 dividend](https://seekingalpha.com/news/4595785-live-oak-bancshares-declares-0_03-dividend#source=section_asset%3Amore-on%7Csection%3Aright_rail%7Cfirst_level_url%3Aarticle%7Cline%3A1%7Cpos%3Aundefined)

### [Live Oak Bancshares GAAP EPS of $0.60 beats by $0.06, revenue of $145M misses by $4.47M](https://seekingalpha.com/news/4578256-live-oak-bancshares-gaap-eps-of-0_60-beats-by-0_06-revenue-of-145m-misses-by-4_47m#source=section_asset%3Amore-on%7Csection%3Aright_rail%7Cfirst_level_url%3Aarticle%7Cline%3A2%7Cpos%3Aundefined)

### [Live Oak Bancshares Q1 2026 Earnings Preview](https://seekingalpha.com/news/4577352-live-oak-bancshares-q1-2026-earnings-preview#source=section_asset%3Amore-on%7Csection%3Aright_rail%7Cfirst_level_url%3Aarticle%7Cline%3A3%7Cpos%3Aundefined)

![Image 23](https://seekingalpha.com/images/users_profile/009/866/571/big_pic.png?io=w36)

### [Live Oak Bancshares: Too Much Of A Mixed Bag To Turn Optimistic](https://seekingalpha.com/article/4880582-live-oak-bancshares-too-much-of-a-mixed-bag-to-turn-optimistic#source=section_asset%3Amore-on%7Csection%3Aright_rail%7Cfirst_level_url%3Aarticle%7Cline%3A4%7Cpos%3Aundefined)

[Daniel Jones](https://seekingalpha.com/author/daniel-jones#source=section_asset%3Amore-on%7Csection%3Aright_rail%7Cfirst_level_url%3Aarticle%7Cline%3A4%7Cpos%3Aundefined)

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Reference ID: 0567fdd0-77a0-11f1-ba61-e317614c9d2e

![Image 26](https://t.co/1/i/adsct?bci=4&dv=UTC%26en-US%2Cen%26Google%20Inc.%26Linux%20x86_64%26255%261280%261280%268%2624%261280%261280%260%26na&eci=3&event=%7B%7D&event_id=6717e57f-d775-4487-aa48-8910efc62050&integration=gtm&p_id=Twitter&p_user_id=0&pl_id=0cd9463d-4839-49d1-ac18-753666077c55&pt=Live%20Oak%20Bancshares%2C%20Inc.%20(LOB)%20CEO%20Chip%20Mahan%20on%20Q2%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&tw_document_href=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4360345-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q2-2020-results-earnings-call-transcript&tw_iframe_status=0&tw_pid_src=1&twpid=tw.1783166462918.336471478226029033&txn_id=o27yc&type=javascript&version=2.3.53)![Image 27](https://analytics.twitter.com/1/i/adsct?bci=4&dv=UTC%26en-US%2Cen%26Google%20Inc.%26Linux%20x86_64%26255%261280%261280%268%2624%261280%261280%260%26na&eci=3&event=%7B%7D&event_id=6717e57f-d775-4487-aa48-8910efc62050&integration=gtm&p_id=Twitter&p_user_id=0&pl_id=0cd9463d-4839-49d1-ac18-753666077c55&pt=Live%20Oak%20Bancshares%2C%20Inc.%20(LOB)%20CEO%20Chip%20Mahan%20on%20Q2%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&tw_document_href=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4360345-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q2-2020-results-earnings-call-transcript&tw_iframe_status=0&tw_pid_src=1&twpid=tw.1783166462918.336471478226029033&txn_id=o27yc&type=javascript&version=2.3.53)

![Image 28](https://bat.bing.com/action/0?ti=25067448&tm=gtm002&Ver=2&mid=16261e92-b6c5-41ac-b3d1-37ff996a99d7&bo=1&sid=0924551077a011f18b4b29336b201ad6&vid=0924d05077a011f193e9fd7762d963c8&vids=1&msclkid=N&pi=918639831&lg=en-US&sw=1280&sh=1280&sc=24&tl=Live%20Oak%20Bancshares,%20Inc.%20(LOB)%20CEO%20Chip%20Mahan%20on%20Q2%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&p=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4360345-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q2-2020-results-earnings-call-transcript&r=&lt=336&evt=pageLoad&sv=2&cdb=AQAQ&rn=443723)

File and source

File: 4360345-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q2-2020-results-_8dbd41531ac6ceba.txt
Size: 27,651 bytes
SHA-256: 2365f0b115c47b6ce77b41d32c400f662bc07254f135e93ae5dff4c9adadd438
Our copy: 4360345-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q2-2020-results-_8dbd41531ac6ceba.txt
Original: seekingalpha.com