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Return exactly ten single-sentence facts as JSON. Quality was judged pairwise; here you see the raw outputs and whether the JSON parsed.

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Nearby prompts. All 1,000 Earnings calls prompts

PromptLOB· Q3 2025 · call on2025-10-23· transcript 44,755 characters
Analyze the following earnings call transcript and extract the 10 most investor-relevant facts.

Each fact must:
- Be drawn only from the transcript (do not use any outside information).
- Be a single sentence capturing a specific, quantified insight relevant to investors.
- Avoid regurgitating the transcript verbatim; instead, synthesize and distill the information into investor-relevant facts.

Return only a JSON object with this exact structure (no markdown fences, no commentary):
{"facts": ["<fact 1>", "<fact 2>", ..., "<fact 10>"]}

The list must contain exactly 10 facts.

Transcript:
<transcript>
transcript redacted — the source calls are not publicly licensed
</transcript>
System prompt · identical for every setup
You are a financial analyst. You extract the most investor-relevant facts from earnings call transcripts to help investors anticipate the stock's reaction to the call.
Reference

No reference summary is published. Quality was judged pairwise by a separate model and is reported in aggregate on the main page.

Models
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Ours

10 facts · valid JSON
  1. Live Oak increased its Q3 2025 market share in the SBA 7(a) program to 7.7%, providing over $2.8 billion in loans and increasing production volume by 44% year-over-year.
  2. Quarterly earnings per share reached $0.55, representing an 8% increase quarter-over-quarter and nearly a doubling compared to the same period in 2024.
  3. Net interest margin expanded to 3.33% following sequential increases for three consecutive quarters, despite expectations of Federal Reserve rate cuts.
  4. Nonaccrual loans in the held-for-investment portfolio rose to $85 million, or 73 basis points, primarily driven by stress within the SBA portfolio.
  5. The company generated $100 million in Tier 1 capital through an inaugural preferred stock offering, which added approximately 70 basis points to the Tier 1 leverage ratio.
  6. Checking account balances for business customers grew 26% quarter-over-quarter to $363 million, representing 4% of the total deposit base.
  7. Gain on loan sales from the new Live Oak Express small-dollar product program totaled $12 million year-to-date, contributing 20% of total gains compared to just 8% in the prior year.
  8. Management anticipates the pending sale of Apiture will generate a $24 million one-time gain while removing approximately $6 million in annual losses from the income statement.
  9. The company's blended savings account cumulative downward beta is approximately 44% following Federal Reserve easing, positioning the asset-sensitive balance sheet for relatively quick margin recovery.
  10. Executive leadership targets a sustainable long-term business model delivering 15% return on tangible common equity paired with 15% or higher annual EPS growth.
1,745 characters398 tokens

Aux 2015

10 facts · valid JSON
  1. Loan Production Growth
  2. Loan Portfolio Growth
  3. Deposit Growth
  4. Provision Expense
  5. Loan Originations
  6. Small Business SBA Loan Sales
  7. Loan Portfolio Composition
  8. Nonaccrual Loans
  9. Net Interest Margin
  10. Capital Strength
1,869 charactersfirst of 2 attempts451 tokens

PiT-FT 2015

Invalid JSONshown as written

Transcript of Live Oak Bancshares, Inc. - Q3 2025 Earnings Call

Analyze the following earnings call transcript and extract the 10 most investor-relevant facts.

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5,250 charactersfirst of 2 attempts2,048 tokens

ChronoGPT 2015

Invalid JSONshown as written

### Final Answer:
26 charactersfirst of 2 attempts11 tokens