Live Oak Bancshares Q4 2020 Earnings Call Transcript

Summary

Transcript, published on Seeking Alpha, of the Live Oak Bancshares, Inc. (LOB) Q4 2020 earnings conference call of January 28, 2021, 9:00 AM ET. It lists company representatives including Chip Mahan, Chairman, Chief Executive Officer, Brett Caines, Chief Financial Officer, and Greg Seward, General Counsel, and conference call participants from Truist Securities, Raymond James, KBW and Piper Sandler. The operator turns the conference over to Greg Seward, whose opening remarks caution that forward-looking statements may be made on the call and that the fourth quarter earnings release is available on the website investor.liveoakbank.com.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Archived web capture. Preserved source — captured from seekingalpha.com; archived 2026-07-04.

Cited in: Chip Mahan

Cite this document

“Live Oak Bancshares Q4 2020 Earnings Call Transcript.” Original at seekingalpha.com. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-eb9748d2d6/, SHA-256 2ee189a2d6ced8c2747dadc21d205933ae827ecb00b8e7c73803d564c708d709.

Full text

[Skip to content](https://seekingalpha.com/article/4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript#content)

[Home page Seeking Alpha - Power to Investors](https://seekingalpha.com/#source=source%3Asite_navigation)

*   Create Free Account
*   [About Premium](https://seekingalpha.com/subscriptions/premium#source=why_premium%3Aexpanded%3Anavbar_left)
*   [Explore Alpha Picks](https://subscriptions.seekingalpha.com/lp_alpha-picks_sub/#source=explore_alpha_picks%3Aexpanded%3Anavbar_left)
*   [Explore QG&I NEW](https://seekingalpha.com/subscriptions/quant-growth-income#source=explore_qgi%3Aexpanded%3Anavbar_left)
*   [NEW Summary report](https://seekingalpha.com/subscriptions/premium-virtual-analyst-report#source=virtual_analyst_report%3Aexpanded%3Anavbar_left)
*   [FREE Newsletters](https://seekingalpha.com/free-investing-newsletters#source=free_newsletters%3Aexpanded%3Anavbar_left)

*   [Home](https://seekingalpha.com/#source=home%3Aexpanded%3Anavbar_left)
*   
[Stock Analysis](https://seekingalpha.com/latest-articles#source=analysis%3Aexpanded%3Anavbar_left)

## Stock Analysis

    *   [Stock Ideas](https://seekingalpha.com/stock-ideas#source=stock_ideas%3Aexpanded%3Anavbar_left)
    *   [Market Outlook](https://seekingalpha.com/market-outlook#source=market_outlook%3Aexpanded%3Anavbar_left)
    *   [Investing Strategy](https://seekingalpha.com/investing-strategy#source=investing_strategy%3Aexpanded%3Anavbar_left)
    *   [Long Ideas](https://seekingalpha.com/stock-ideas/long-ideas#source=long_ideas%3Aexpanded%3Anavbar_left)
    *   [IPO Analysis](https://seekingalpha.com/stock-ideas/ipos#source=ipo_analysis%3Aexpanded%3Anavbar_left)
    *   [Editor's Picks](https://seekingalpha.com/editors-picks#source=editor's_picks%3Aexpanded%3Anavbar_left)
    *   [Cryptocurrency](https://seekingalpha.com/market-outlook/cryptocurrency#source=cryptocurrency%3Aexpanded%3Anavbar_left)

*   
[Market News](https://seekingalpha.com/market-news#source=news%3Aexpanded%3Anavbar_left)

## Market News

    *   [Top Market News](https://seekingalpha.com/market-news/trending#source=top_market_news%3Aexpanded%3Anavbar_left)
    *   [Notable Calls](https://seekingalpha.com/market-news/notable-calls#source=notable_calls%3Aexpanded%3Anavbar_left)
    *   [On The Move](https://seekingalpha.com/market-news/on-the-move#source=on-the-move%3Aexpanded%3Anavbar_left)
    *   [Energy Stock News](https://seekingalpha.com/market-news/energy#source=energy_stock_news%3Aexpanded%3Anavbar_left)
    *   [Tech Stock News](https://seekingalpha.com/market-news/technology#source=tech_stock_news%3Aexpanded%3Anavbar_left)
    *   [IPO News](https://seekingalpha.com/market-news/ipos#source=ipo_news%3Aexpanded%3Anavbar_left)
    *   [Artificial Intelligence (AI) News](https://seekingalpha.com/market-news/ai-tech-stocks#source=ai-tech-stocks%3Aexpanded%3Anavbar_left)
    *   [Budget & DOGE News](https://seekingalpha.com/market-news/budget-regulation#source=budget-regulation%3Aexpanded%3Anavbar_left)
    *   [Merger & Acquisition News](https://seekingalpha.com/market-news/m-a#source=merger_acquisition_news%3Aexpanded%3Anavbar_left)

*   
[Market Data](https://seekingalpha.com/etfs-and-funds/etf-tables/key_markets#source=market_performance%3Aexpanded%3Anavbar_left)

## Market Data

    *   [Key Market Data](https://seekingalpha.com/etfs-and-funds/etf-tables/key_markets#source=key_markets%3Aexpanded%3Anavbar_left)
    *   [Earnings Calendar](https://seekingalpha.com/earnings/earnings-calendar#source=earnings_calendar%3Aexpanded%3Anavbar_left)
    *   [Currencies](https://seekingalpha.com/etfs-and-funds/etf-tables/currencies#source=currencies%3Aexpanded%3Anavbar_left)
    *   [Cryptocurrency Prices](https://seekingalpha.com/etfs-and-funds/etf-tables/cryptocurrency#source=cryptocurrency_prices%3Aexpanded%3Anavbar_left)

*   
[Sectors](https://seekingalpha.com/sectors#source=sectors%3Aexpanded%3Anavbar_left)

## Sectors

    *   [Technology](https://seekingalpha.com/sectors/technology#source=technology%3Aexpanded%3Anavbar_left)
    *   [Financial](https://seekingalpha.com/sectors/financial#source=financial%3Aexpanded%3Anavbar_left)
    *   [Consumer Discretionary](https://seekingalpha.com/sectors/consumer-discretionary#source=consumer_discretionary%3Aexpanded%3Anavbar_left)
    *   [Communication](https://seekingalpha.com/sectors/communication-services#source=communication_services%3Aexpanded%3Anavbar_left)
    *   [Healthcare](https://seekingalpha.com/sectors/healthcare#source=healthcare%3Aexpanded%3Anavbar_left)
    *   [Industrials](https://seekingalpha.com/sectors/industrials#source=industrials%3Aexpanded%3Anavbar_left)
    *   [Consumer Staples](https://seekingalpha.com/sectors/consumer-staples#source=consumer_staples%3Aexpanded%3Anavbar_left)
    *   [Energy](https://seekingalpha.com/sectors/energy#source=energy%3Aexpanded%3Anavbar_left)
    *   [Materials](https://seekingalpha.com/sectors/materials#source=materials%3Aexpanded%3Anavbar_left)
    *   [Real Estate](https://seekingalpha.com/sectors/real-estate#source=real_estate%3Aexpanded%3Anavbar_left)
    *   [Utilities](https://seekingalpha.com/sectors/utilities#source=utilities%3Aexpanded%3Anavbar_left)

*   
[Dividends](https://seekingalpha.com/dividends#source=dividends%3Aexpanded%3Anavbar_left)

## Dividends

    *   [Top Dividend Stocks](https://seekingalpha.com/screeners/9679329c-Top-Dividend-Stocks#source=top_dividend_stocks%3Aexpanded%3Anavbar_left)
    *   [Top Quant Dividend Stocks](https://seekingalpha.com/screeners/9408317dce-Top-Quant-Dividend-Stocks#source=top_quant_dividend_stocks%3Aexpanded%3Anavbar_left)
    *   [Dividend Ideas](https://seekingalpha.com/dividends/dividend-ideas#source=dividend_ideas%3Aexpanded%3Anavbar_left)
    *   [Dividend Quick Picks](https://seekingalpha.com/dividends/dividend-quick-picks#source=dividend_quick_picks%3Aexpanded%3Anavbar_left)
    *   [Dividend Strategy](https://seekingalpha.com/dividends/dividend-strategy#source=dividend_strategy%3Aexpanded%3Anavbar_left)
    *   [Dividend News - Funds](https://seekingalpha.com/market-news/dividend-funds#source=dividend_news_funds%3Aexpanded%3Anavbar_left)
    *   [Dividend News - Stocks](https://seekingalpha.com/market-news/dividend-stocks#source=dividend_news_stocks%3Aexpanded%3Anavbar_left)
    *   [Dividends Data](https://seekingalpha.com/etfs-and-funds/etf-tables/dividends#source=etf_dividends%3Aexpanded%3Anavbar_left)

*   
[ETFs](https://seekingalpha.com/etfs-and-funds#source=etfs%3Aexpanded%3Anavbar_left)

## ETFs

    *   [Top Rated ETFs](https://seekingalpha.com/screeners/etfs/922b797269-Top-Rated-ETFs#source=top_rated_etfs%3Aexpanded%3Anavbar_left)
    *   [ETF Strategies](https://seekingalpha.com/etfs-and-funds/etf-tables/strategies#source=etf_strategies%3Aexpanded%3Anavbar_left)
    *   [REITs & Real Estate ETFs](https://seekingalpha.com/etfs-and-funds/etf-tables/real_estate#source=reits_real_estate_etfs%3Aexpanded%3Anavbar_left)
    *   [Commodity ETFs](https://seekingalpha.com/etfs-and-funds/etf-tables/commodities#source=commodity_etfs%3Aexpanded%3Anavbar_left)
    *   [Emerging Markets ETFs](https://seekingalpha.com/etfs-and-funds/etf-tables/emerging_markets#source=emerging_markets_etfs%3Aexpanded%3Anavbar_left)
    *   [Growth vs. Value ETFs](https://seekingalpha.com/etfs-and-funds/etf-tables/growth_vs_value#source=growth_vs_value_etfs%3Aexpanded%3Anavbar_left)
    *   [Bonds](https://seekingalpha.com/etfs-and-funds/etf-tables/bonds#source=bonds%3Aexpanded%3Anavbar_left)
    *   [Country ETFs](https://seekingalpha.com/etfs-and-funds/etf-tables/countries#source=countries_etfs%3Aexpanded%3Anavbar_left)

*   
[Earnings](https://seekingalpha.com/market-news/earnings#source=earnings%3Aexpanded%3Anavbar_left)

## Earnings

    *   [Earnings Calendar](https://seekingalpha.com/earnings/earnings-calendar#source=earnings_calendar%3Aexpanded%3Anavbar_left)
    *   [Earnings Call Transcripts](https://seekingalpha.com/earnings/earnings-call-transcripts#source=earnings_call_transcripts%3Aexpanded%3Anavbar_left)
    *   [Earnings Call Insights](https://seekingalpha.com/market-news/earnings-calls-insights#source=earnings_call_insights%3Aexpanded%3Anavbar_left)

*   [Education](https://seekingalpha.com/investing-resources#source=education%3Aexpanded%3Anavbar_left)
*   [Podcasts](https://seekingalpha.com/podcasts#source=podcasts%3Aexpanded%3Anavbar_left)
*   [Videos](https://seekingalpha.com/videos#source=videos%3Aexpanded%3Anavbar_left)

## Investing Groups

*   [Explore Investing Groups](https://seekingalpha.com/marketplace/directory#source=investing_groups%3Aexpanded%3Anavbar_left)

## Portfolios

*   [Create Portfolio+](https://seekingalpha.com/account/portfolio#source=create_first_portfolio%3Aexpanded%3Anavbar_left)
*   [Portfolio Health Check](https://seekingalpha.com/portfolio-health-check#source=portfolio_health_check%3Aexpanded%3Anavbar_left)
*   [About Portfolio](https://subscriptions.seekingalpha.com/portfolio_about/#source=about_portfolio%3Aexpanded%3Anavbar_left)

## Find & Compare

*   
[Stock Screener](https://seekingalpha.com/screeners#source=stock_screener%3Aexpanded%3Anavbar_left)

## Stock Screener

    *   [All Stocks](https://seekingalpha.com/screeners/967aaa441702-All-Stocks#source=all_stocks%3Aexpanded%3Anavbar_left)
    *   [Top Rated Stocks](https://seekingalpha.com/screeners/96793299-Top-Rated-Stocks#source=top_rated_stocks%3Aexpanded%3Anavbar_left)
    *   [Top Growth Stocks](https://seekingalpha.com/screeners/9679348d-Top-Growth-Stocks#source=top_growth_stocks%3Aexpanded%3Anavbar_left)
    *   [Top Value Stocks](https://seekingalpha.com/screeners/96793482-Top-Value-Stocks#source=top_value_stocks%3Aexpanded%3Anavbar_left)
    *   [Top Small Cap Stocks](https://seekingalpha.com/screeners/967930eb-Top-Small-Cap-Stocks#source=top_small_cap_stocks%3Aexpanded%3Anavbar_left)
    *   [Stocks by Quant](https://seekingalpha.com/screeners/95b9990b-Stocks-by-Quant#source=stocks_by_quant%3Aexpanded%3Anavbar_left)
    *   [Most Shorted Stocks](https://seekingalpha.com/screeners/940d08e1dd-Most-Shorted-Stocks#source=most_shorted_stocks%3Aexpanded%3Anavbar_left)
    *   [Strong Buy Stocks - Short Squeeze](https://seekingalpha.com/screeners/940d0c9cca-Strong-Buy-Stocks-With-Short-Squeeze-Potential#source=strong_buy_stocks_short_squeeze%3Aexpanded%3Anavbar_left)
    *   [Top REITs](https://seekingalpha.com/screeners/9ecfb4dfa7-Top-REITs#source=top_reits%3Aexpanded%3Anavbar_left)

*   
[ETF Screener](https://seekingalpha.com/screeners/etfs#source=etf_screener%3Aexpanded%3Anavbar_left)

## ETF Screener

    *   [All ETFs](https://seekingalpha.com/screeners/etfs/967aaa441700-All-ETFs#source=all_etfs%3Aexpanded%3Anavbar_left)
    *   [Top Alternative ETFs](https://seekingalpha.com/screeners/etfs/922b7973d1-Top-Alternative-ETFs#source=top_alternative_etfs%3Aexpanded%3Anavbar_left)
    *   [Top Commodities ETFs](https://seekingalpha.com/screeners/etfs/922b7973d0-Top-Commodities-ETFs#source=top_commodities_etfs%3Aexpanded%3Anavbar_left)
    *   [Top International Equities ETFs](https://seekingalpha.com/screeners/etfs/922b7973d4-Top-International-Equity-ETFs#source=top_international_equities_etfs%3Aexpanded%3Anavbar_left)
    *   [Top Sector Equity ETFs](https://seekingalpha.com/screeners/etfs/922b7973d5-Top-Sector-Equity-ETFs#source=top_sector_equity_etfs%3Aexpanded%3Anavbar_left)
    *   [Top U.S. Equity ETFs](https://seekingalpha.com/screeners/etfs/922b797268-Top-U-S--Equity-ETFs#source=top_us_equity_etfs%3Aexpanded%3Anavbar_left)
    *   [Most Shorted ETFs](https://seekingalpha.com/screeners/etfs/9ecdd541a8-Most-Shorted-ETFs#source=most_shorted_etfs%3Aexpanded%3Anavbar_left)

*   
[Comparisons](https://seekingalpha.com/comparison#source=comparisons%3Aexpanded%3Anavbar_left)

## Comparisons

    *   [AI Stocks](https://seekingalpha.com/comparison/91b2fbba4e-Artificial-Intelligence-%28AI%29-Stocks#source=ai_stocks%3Aexpanded%3Anavbar_left)
    *   [5G Stocks](https://seekingalpha.com/comparison/91b2fdf02e-5G-Stocks#source=5g_stocks%3Aexpanded%3Anavbar_left)
    *   [Aerospace & Defense Stocks](https://seekingalpha.com/comparison/91b2fbba40-Aerospace-%26-Defense-Stocks#source=aerospace_defense_stocks%3Aexpanded%3Anavbar_left)
    *   [Dividend Stocks](https://seekingalpha.com/comparison/91b2fbb823-Dividend-Stocks#source=dividend_stocks%3Aexpanded%3Anavbar_left)
    *   [Value Stocks](https://seekingalpha.com/comparison/91b2fbb9fe-Value-Stocks#source=value_stocks%3Aexpanded%3Anavbar_left)
    *   [Blue Chip Stocks](https://seekingalpha.com/comparison/91b2fbbb60-Blue-Chip-Stocks#source=blue_chip_stocks%3Aexpanded%3Anavbar_left)
    *   [FAANG Stocks](https://seekingalpha.com/comparison/9e-FAANG-Stocks#source=faang_stocks%3Aexpanded%3Anavbar_left)
    *   [Gold ETFs](https://seekingalpha.com/comparison/9679-Gold-ETFs#source=gold-etfs%3Aexpanded%3Anavbar_left)
    *   [Cash Equivalents](https://seekingalpha.com/comparison/95bd-Cash-Equivalents#source=cash_equivalents%3Aexpanded%3Anavbar_left)
    *   [Big Bank Stocks](https://seekingalpha.com/comparison/9678-Big-Bank-Stocks#source=big_bank_stocks%3Aexpanded%3Anavbar_left)
    *   [Big Pharma Stocks](https://seekingalpha.com/comparison/967b-Big-Pharma-Stocks#source=big_pharma_stocks%3Aexpanded%3Anavbar_left)
    *   [Retail Stocks](https://seekingalpha.com/comparison/967a-Retail-Stocks#source=retail_stocks%3Aexpanded%3Anavbar_left)

## Subscriptions

*   [Alpha Picks](https://subscriptions.seekingalpha.com/lp_alpha-picks_sub/#source=alpha-picks%3Aexpanded%3Anavbar_left)
*   [QG&I](https://seekingalpha.com/subscriptions/quant-growth-income#source=quant-growth-income%3Aexpanded%3Anavbar_left)
*   [Premium & Pro](https://seekingalpha.com/subscriptions#source=premium-pro%3Aexpanded%3Anavbar_left)
*   [Group Subscriptions](https://subscriptions.seekingalpha.com/group_subscriptions#source=group-subscriptions%3Aexpanded%3Anavbar_left)

Search field 

Entering text into the input field will update the search result below

Entering text into the input field will update the search result below

Create free account

[Search for Symbols, analysts, keywords](https://seekingalpha.com/basic-search "Search")

Log in

[](https://seekingalpha.com/#source=source%3Asite_navigation "Home")

*   [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 Q4 2020 Results - Earnings Call Transcript

Jan 28, 2021, 3:30 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)

![Image 1](https://seekingalpha.com/images/users_profile/000/101/639/big_pic.png?io=w36)

[SA Transcripts](https://seekingalpha.com/author/sa-transcripts#source=url_first_level%3Aarticle%7Csection%3Aauthor_brief%3Asa-transcripts%7Csection_asset%3Aauthor_brief%7Cauthor_name)

160.98K Followers

Follow

*   5 Share 
*   Save 
*   [Comments](https://seekingalpha.com/article/4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript#scroll_comments)

> ### Q4: 2021-01-27 Earnings Summary
> 
> 
> 
> Play Call Play Call
> 
> [Slides](https://seekingalpha.com/article/4401689-live-oak-bancshares-inc-2020-q4-results-earnings-call-presentation#source=first_level_url%3Aarticle%7Csection%3Aearnings_widget%7Cbutton%3Aslides)10-K
> 
> 
> 
> EPS of $0.69 beats by $0.17 
> 
> 
> 
> |Revenue of $73.10M (22.79% Y/Y) misses by $9.99M

Live Oak Bancshares, Inc. ([LOB](https://seekingalpha.com/symbol/LOB#source=section%3Amain_content%7Cbutton%3Abody_link "Live Oak Bancshares, Inc.")) Q4 2020 Earnings Conference Call January 28, 2021 9:00 AM ET

**Company Representatives**

Chip Mahan - Chairman, Chief Executive Officer

 Kay Anderson - Senior Vice President of Emerging Markets 

 Huntley Garriott - President, Live Oak Bank

 Brett Caines - Chief Financial Officer

 Steve Smits - Chief Credit Officer

 Micah Davis - Chief Marketing Officer

 Neil Underwood – President, Live Oak Bancshares

 Greg Seward - General Counsel

**Conference Call Participants**

Jennifer Demba - Truist Securities

 Ammar Samma - Raymond James

 Michael Perito - KBW

 Chris Donat - Piper Sandler

**Operator**

Good morning ladies and gentlemen, and welcome to the Fourth Quarter 2020, Live Oak Bancshares Incorporated Earnings Conference Call. At this time all participants are in a listen-only mode. [Operator Instructions]. As a reminder, this conference call is being recorded.

I would now like to turn the conference over to your host Mr. Greg Seward, General Counsel, Live Oak Bancshares. You may now begin.

**Greg Seward**

Thank you and good morning everyone. Welcome to Live Oak's Fourth 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 and go to today's call on our event calendar for supporting materials. Our fourth 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

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

*   Like
*   Share
*   Print
*   [Comments](https://seekingalpha.com/article/4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript#scroll_comments)

### Recommended For You

![Image 2](https://seekingalpha.com/images/users_profile/057/947/294/big_pic.png?io=w36&t=4fca53dc60)

### [Oracle: Positioned For Success, Priced For Failure](https://seekingalpha.com/article/4919794-oracle-positioned-for-success-priced-for-failure#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A1)

Bay Area Ideas

![Image 3](https://seekingalpha.com/images/users_profile/000/016/392/big_pic.png?io=w36&t=51a00b2a0c)

### [How I Turned My $750,000 Portfolio Into A $66,000 Income Stream Machine](https://seekingalpha.com/article/4919477-how-i-turned-my-750000-portfolio-into-a-66000-income-stream-machine#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A2)

Rida Morwa

![Image 4](https://seekingalpha.com/images/users_profile/047/771/937/big_pic.png?io=w36&t=38e668a400)

### [7-14% Yields: My Top High-Yielding Fund Picks For H2 2026](https://seekingalpha.com/article/4919787-7-14-percent-yields-my-top-high-yielding-fund-picks-h2-2026#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A3)

Samuel Smith

![Image 5](https://seekingalpha.com/images/users_profile/050/662/133/big_pic.png?io=w36&t=88f0575e4c)

### [Micron, Like Nvidia, Is Losing Its Premium](https://seekingalpha.com/article/4919497-micron-like-nvidia-is-losing-its-premium#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A4)

James Foord

![Image 6](https://seekingalpha.com/images/users_profile/009/866/571/big_pic.png?io=w36&t=221ce25baa)

### [SCHD's Yield Isn't Worth The Awful Disappointment](https://seekingalpha.com/article/4919819-schds-yield-isnt-worth-the-awful-disappointment#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A5)

Daniel Jones

![Image 7](https://seekingalpha.com/images/users_profile/047/644/028/big_pic.png?io=w36&t=a2d4617d89)

### [If I Had To Start Over, I Would Buy These 2 REITs First](https://seekingalpha.com/article/4918515-if-i-had-to-start-over-buy-these-2-reits-first#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A6)

Jussi Askola, CFA

![Image 8](https://seekingalpha.com/images/users_profile/058/583/751/big_pic.png?io=w36&t=d8ab97c090)

### [Intel: AI Efficiency Could Counter Semiconductor Demand](https://seekingalpha.com/article/4919808-intel-ai-efficiency-could-counter-semiconductor-demand#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A7)

Oliver Rodzianko

![Image 9](https://seekingalpha.com/images/users_profile/064/284/419/big_pic.png?io=w36&t=b5b3a33839)

### [IonQ: A Quantum Leap Of Faith](https://seekingalpha.com/article/4919747-ionq-a-quantum-leap-of-faith#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A8)

Value Vest

![Image 10](https://seekingalpha.com/images/users_profile/051/630/113/big_pic.png?io=w36&t=5ec50cba13)

### [Nvidia: Won't Be This Insanely Cheap For Too Long](https://seekingalpha.com/article/4919700-nvidia-would-not-be-insanely-cheap-for-too-long#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A9)

JR Research

![Image 11](https://seekingalpha.com/images/users_profile/056/454/519/big_pic.png?io=w36&t=be0f5ae6ba)

### [Broadcom: Wall Street's ~$115 Billion FCF Consensus Crumbles Under Stresstesting](https://seekingalpha.com/article/4919640-broadcom-stock-wall-streets-115-billion-fcf-consensus-crumbles-under-stresstesting#source=section%3Arecommended_for_you%7Csection_asset%3Aintegrated%7Cfirst_level_url%3Aarticle%7Cvariation_group%3Avariation_a%7Cline%3A10)

Cavenagh Research

### Search Transcripts

Current 

All Transcripts 

Find

[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 12](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)

### Trending Analysis

### Trending News

To ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.

Is this happening to you frequently? Please [report it on our feedback forum.](https://help.seekingalpha.com/kb-tickets/new)

If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh.

Reference ID: 0593a1b0-77a0-11f1-a4f4-2ffd22e9b3c5

![Image 15](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=fd0dd483-2e53-47d6-a2cc-dae9db7ff6df&integration=gtm&p_id=Twitter&p_user_id=0&pl_id=f975462e-fd54-452a-9fc4-9f06f03a51d6&pt=Live%20Oak%20Bancshares%2C%20Inc.%20(LOB)%20CEO%20Chip%20Mahan%20on%20Q4%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&tw_document_href=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript&tw_iframe_status=0&tw_pid_src=1&twpid=tw.1783166466066.557713087423106734&txn_id=o27yc&type=javascript&version=2.3.53)![Image 16](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=fd0dd483-2e53-47d6-a2cc-dae9db7ff6df&integration=gtm&p_id=Twitter&p_user_id=0&pl_id=f975462e-fd54-452a-9fc4-9f06f03a51d6&pt=Live%20Oak%20Bancshares%2C%20Inc.%20(LOB)%20CEO%20Chip%20Mahan%20on%20Q4%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&tw_document_href=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript&tw_iframe_status=0&tw_pid_src=1&twpid=tw.1783166466066.557713087423106734&txn_id=o27yc&type=javascript&version=2.3.53)

![Image 17](https://bat.bing.com/action/0?ti=25067448&tm=gtm002&Ver=2&mid=b98519b4-7230-454a-86bc-0e1065405f79&bo=1&sid=0a5d7e5077a011f1bb5beffcfd842ebf&vid=0a5dbf0077a011f1b906a13098aa1765&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%20Q4%202020%20Results%20-%20Earnings%20Call%20Transcript%20%7C%20Seeking%20Alpha&p=https%3A%2F%2Fseekingalpha.com%2Farticle%2F4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-earnings-call-transcript&r=&lt=532&evt=pageLoad&sv=2&cdb=AQAQ&rn=940201)

File and source

File: 4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-_525224aece1a7c46.txt
Size: 27,471 bytes
SHA-256: 2ee189a2d6ced8c2747dadc21d205933ae827ecb00b8e7c73803d564c708d709
Our copy: 4401754-live-oak-bancshares-inc-lob-ceo-chip-mahan-on-q4-2020-results-_525224aece1a7c46.txt
Original: seekingalpha.com