LOB
$35.36+2.64%
Live Oak Bancshares Inc.Stock · FinancialsRussell 2000 · 0.05% of IWMUS Stock Market · 0.002% of VTIRussell 3000 · 0.002% of IWV
LOB financial statements
The full income statement, balance sheet, and cash-flow statement for Live Oak Bancshares Inc. (LOB), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 45.0M2024-09 45.2M2024-12 45.6M2025-03 45.6M2025-06 45.7M2025-09 45.9M2025-12 46.2M2026-03 46.3M2026-06 46.3M+2.8% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
PeriodRangeOrderChangeFiguresAs-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 578M+18.3% | 489M+8.7% | 449M-20.5% | 565M+23.7% | 457M+62.8% | ||
| Lease income | 9.50M+1.1% | 9.40M-1.1% | 9.50M+0.0% | 9.50M+0.0% | 9.50M+0.0% | |
| Noninterest income | 129M+14.9% | 113M+8.3% | 104M-56.3% | 238M+48.6% | 160M+86.3% | |
| Noninterest expense | 339M+11.7% | 303M-3.8% | 315M+0.3% | 314M+36.0% | 231M+19.9% | |
| Provision for credit losses | 96.3M+0.1% | 96.2M+87.5% | 51.3M+25.4% | 40.9M+169.2% | 15.2M-62.6% | |
| Interest expense | — | — | 343M+193.2% | 117M+81.6% | 64.4M-31.2% | |
| Interest & investment income | 908M+11.8% | 812M+18.0% | 688M+54.9% | 444M+23.1% | 361M+25.2% | |
| Net interest income | 448M+19.3% | 376M+8.9% | 345M+5.4% | 328M+10.3% | 297M+52.4% | |
| Equity-method income | 17.4M+259.2% | -10.9M-82.2% | -5.99M-104.2% | 144M+8506.2% | -1.72M+88.3% | |
| Pre-tax income | 143M+60.0% | 89.2M+7.7% | 82.8M-60.6% | 210M-0.2% | 211M+344.8% | |
| Income tax | 37.2M+214.5% | 11.8M+32.3% | 8.93M-73.8% | 34.1M-22.1% | 43.8M+460.3% | |
| 106M+36.7% | 77.5M+4.8% | 73.9M-58.1% | 176M+5.5% | 167M+180.5% | ||
| Net income to non-controlling interest | -228K-300.0% | -57.0K | 0.00 | 0.00 | — | |
| Net income to common | 103M+32.7% | 77.5M+4.8% | 73.9M-58.1% | 176M+5.5% | 167M+180.5% | |
| $2.23+32.0% | $1.69+3.0% | $1.64-58.2% | $3.92+5.7% | $3.71+159.4% | ||
| EPS (basic) | $2.25+30.8% | $1.72+3.0% | $1.67-58.5% | $4.02+3.9% | $3.87+165.1% | |
| Weighted-avg shares (basic) | 45.7M+1.5% | 45.0M+1.5% | 44.4M+1.1% | 43.9M+1.6% | 43.2M+6.1% | |
| Weighted-avg shares (diluted) | 46.0M+0.5% | 45.8M+1.6% | 45.1M+0.4% | 44.9M-0.4% | 45.1M+7.9% | |
| Dividends per share | $0.12+0.0% | $0.12+0.0% | $0.12+0.0% | $0.12+0.0% | $0.12+0.0% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 865M+42.1% | 609M+4.5% | 583M+39.8% | 417M+104.5% | 204M-36.0% | |
| 15.1B+16.9% | 12.9B+14.8% | 11.3B+14.4% | 9.86B+20.0% | 8.21B+4.3% | ||
| Property, plant & equipment | 240M-9.0% | 264M+2.4% | 258M-2.1% | 263M+9.6% | 240M-7.4% | |
| Operating lease right-of-use | 1.66M-21.4% | 2.11M-24.8% | 2.80M+32.2% | 2.12M-4.9% | 2.23M-11.7% | |
| Goodwill | — | 1.80M+0.0% | 1.80M+0.0% | 1.80M | — | |
| 13.9B+16.3% | 11.9B+15.2% | 10.4B+14.6% | 9.04B+20.6% | 7.50B+2.7% | ||
| Operating lease liability (total) | 2.16M-18.0% | 2.64M-17.1% | 3.18M+24.3% | 2.56M+5.0% | 2.44M-11.6% | |
| Finance lease liability (total) | 82.0K-37.9% | 132K | 0.00 | 0.00-100.0% | 4.00K-55.6% | |
| 1.25B+25.1% | 999M+10.7% | 903M+11.3% | 811M+13.4% | 715M+25.9% | ||
| Preferred stock | — | 0.00 | 0.00 | 0.00 | 0.00 | |
| Retained earnings | 810M+13.1% | 716M+11.3% | 643M+12.3% | 572M+42.8% | 401M+70.1% | |
| Accumulated other comprehensive income | -44.7M+45.7% | -82.3M+2.8% | -84.7M+8.2% | -92.3M-4844.0% | 1.95M-91.0% | |
| Non-controlling interest | 4.24M-5.1% | 4.47M | 0.00 | — | — | |
| Total equity incl. non-controlling | 1.25B+25.0% | 1.00B+11.2% | 903M+11.3% | 811M+13.4% | 715M | |
| Total liabilities & equity | 15.1B+16.9% | 12.9B+14.8% | 11.3B+14.4% | 9.86B+20.0% | 8.21B+4.3% | |
| Common shares outstanding | 46.0M+1.5% | 45.4M+1.7% | 44.6M+1.3% | 44.1M | — | |
| Shares outstanding (cover) | 46.2M+1.4% | 45.6M+1.8% | 44.8M+1.4% | 44.1M+1.0% | 43.7M | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 158M+0.9% | 157M-15.2% | 185M+161.5% | -301M-151.2% | -120M+54.1% | ||
| Depreciation & amortization | 30.4M+30.6% | 23.3M+9.5% | 21.3M+2.4% | 20.8M-2.7% | 21.4M-1.5% | |
| Deferred income taxes | -12.4M-8.3% | -11.4M+48.5% | -22.2M-181.7% | 27.1M+9.4% | 24.8M+242.2% | |
| -1.90B-12.0% | -1.70B-26.8% | -1.34B-31.7% | -1.02B-579.0% | -150M+94.3% | ||
| Capital expenditure | 14.8M-70.1% | 49.3M+5.3% | 46.8M+7.1% | 43.8M+1319.6% | 3.08M-85.3% | |
| Free cash flow | 143M+33.5% | 107M-22.2% | 138M+140.1% | -344M-180.5% | -123M+56.5% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | |
| Proceeds from sale of PP&E | 4.36M+318.1% | 1.04M+943.0% | 100K | 0.00-100.0% | 84.0K+2000.0% | |
| 2.00B+27.6% | 1.57B+18.8% | 1.32B-13.7% | 1.53B+887.9% | 155M-94.8% | ||
| Long-term debt issued | 161K-99.8% | 99.7M-96.6% | 2.91B+4580.0% | 62.1M-89.7% | 603M-67.0% | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Dividends paid | 5.49M+1.5% | 5.41M+1.5% | 5.33M+1.1% | 5.27M+1.5% | 5.19M+5.7% | |
| Net change in cash | 256M+875.3% | 26.3M-84.2% | 166M-22.1% | 213M+285.8% | -115M-218.2% | |
| Interest paid | 461M+5.4% | 437M+27.4% | 343M+191.7% | 118M+75.8% | 66.8M-27.2% | |
| Income taxes paid | 26.6M-31.6% | 38.9M+633.7% | 5.30M-78.5% | 24.7M+25.3% | 19.7M+71.7% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 1.59B-11.9% | 1.80B-11.0% | 2.02B+52.4% | 1.33B-65.2% | 3.82B+85.5% | |
| P/E | 15.0×-35.5% | 23.3×-31.6% | 34.0×+423.6% | 6.5×-71.6% | 22.9×-33.8% | |
| P/S | 2.7×-25.5% | 3.7×-19.4% | 4.6×+97.0% | 2.3×-72.2% | 8.4×+14.0% | |
| P/B | 1.3×-29.6% | 1.8×-24.2% | 2.4×+43.7% | 1.7×-69.0% | 5.3×+47.3% | |
| P/FCF | 11.1×-34.0% | 16.8×-85.6% | 116.3×+562.7% | 17.6× | — | |
| Earnings yield | 6.7%+55.1% | 4.3%+46.2% | 2.9%-80.9% | 15.4%+251.9% | 4.4%+51.2% | |
| FCF yield | 9.0%+51.5% | 6.0%+593.6% | 0.86%-84.9% | 5.7% | — | |
| Dividend yield | 0.35%+15.1% | 0.30%+15.0% | 0.26%-33.6% | 0.40%+189.0% | 0.14%-45.6% | |
| Source filing | 10-K | 10-K/A | 10-K | 10-K | 10-K |
About this data
Source: LOB’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all LOB filings on SEC EDGAR → Not investment advice.