Live Oak Bancshares, Inc.
NASDAQ:LOB
31.2 (USD) • At close July 1, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | |||||||||||||||||||||||||||||||||||||||||||||
| Net Income
| 9.668 | 9.843 | 13.025 | 26.963 | 27.586 | 16.163 | 39.793 | 17.544 | 0.398 | 1.792 | 42.868 | 97.039 | 34.509 | 30.147 | 33.839 | 63.582 | 39.427 | 29.588 | 33.78 | 3.777 | -7.602 | 6.832 | 3.895 | 4.935 | 2.372 | 10.49 | 14.252 | 14.253 | 12.453 | 71.73 | 12.862 | 9.795 | 6.112 | 5.48 | 3.478 | 0.123 | 4.683 | 5.714 | 2.899 | 3.935 | 8.053 | 2.448 | 0.641 | 6.661 | 0.298 |
| Depreciation & Amortization
| 6.974 | 6.651 | 6.307 | 5.343 | 4.981 | 5.33 | 5.494 | 5.254 | 5.193 | 5.153 | 5.073 | 5.148 | 5.405 | 5.472 | 5.328 | 5.301 | 5.265 | 5.143 | 5.351 | 5.573 | 5.621 | 5.664 | 5.202 | 5.067 | 4.034 | 4.377 | 4.186 | 4.037 | 3.786 | 3.259 | 2.958 | 2.354 | 1.708 | 1.059 | 1.092 | 1.044 | 1.065 | 1.518 | 0.896 | 0.588 | 0.433 | 0.547 | 0.625 | 0.519 | 0.468 |
| Deferred Income Tax
| -1.009 | -2.431 | -8.711 | 7.537 | -7.815 | -8.997 | -3.441 | -4.182 | -5.541 | 9.871 | -0.181 | 10.664 | 6.775 | 15.315 | 3.012 | 10.465 | -3.984 | -9.912 | 3.629 | -12.428 | 1.264 | 0.934 | 0.95 | 0.215 | -0.632 | -3.544 | -3.199 | 0.491 | 0.316 | 11.604 | -1.014 | -0.619 | 2.046 | -3.778 | 0.947 | -2.196 | 0.739 | 0 | 0.089 | 0.621 | 0.226 | 0.839 | 3.253 | 0 | 0 |
| Stock Based Compensation
| 6.667 | 6.492 | 6.614 | 6.793 | 6.306 | 5.172 | 0.218 | 6.312 | 6.173 | 5.272 | 5.041 | 5.08 | 4.954 | 4.104 | 3.713 | 4.12 | 5.014 | 5.238 | 3.255 | 3.339 | 2.908 | 3.031 | 2.943 | 2.916 | 2.858 | 2.123 | 2.489 | 2.215 | 2.349 | 1.797 | 2.014 | 1.889 | 1.803 | 4.428 | 4.063 | 2.923 | 0.659 | 0.616 | 0.498 | 0.185 | 0.126 | 0.16 | 0.014 | 0.061 | 3.172 |
| Change In Working Capital
| -3.437 | 0.499 | 12.673 | -7.788 | 0.346 | 2.888 | 10.676 | 13.289 | 12.673 | -36.512 | 15.619 | 3.197 | -4.367 | -4.474 | 17.011 | 7.147 | -2.708 | -50.938 | -16.848 | 40.174 | -38.41 | -9.382 | 0.995 | 2.969 | 7.376 | -13.913 | 5.561 | 7.907 | -10.942 | -11.304 | -5.168 | -8.066 | -0.552 | -9.496 | 2.617 | -1.193 | 0.37 | 2.197 | 0.384 | -6.147 | 5.357 | -13.086 | 2.948 | 9.123 | -2.493 |
| Accounts Receivables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.531 | 2.386 | 0 | 0 | -1.301 | 0 | 0 | 0 | -2.755 | 0 | 0 | 0 | -0.717 | 0 | 0 | 0 | -1.695 | -1.081 | 0 | 0 | -2.153 | 0.872 | 0 | 0 | 0 | 0.923 | -3.284 | 0.092 | 0.213 | -0.984 | -2.008 | 0.372 |
| Change In Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Accounts Payables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Working Capital
| -3.437 | 0.499 | 12.673 | -7.788 | 0 | 2.888 | 10.676 | 13.341 | 12.69 | -36.512 | 15.619 | 3.197 | -4.367 | -4.474 | 17.011 | 7.147 | 0 | -50.938 | -16.848 | 40.174 | -38.41 | -9.382 | 0 | 2.969 | 7.376 | -13.913 | 5.561 | 7.907 | -10.942 | -11.304 | -5.168 | -8.066 | -0.552 | -9.496 | 2.617 | 0 | 0.37 | 2.197 | -0.539 | -2.863 | 5.265 | -13.299 | 3.932 | 11.131 | -2.865 |
| Other Non Cash Items
| 86.114 | 149.631 | 161.106 | 45.028 | 59.489 | 149.69 | 102.147 | 98.265 | 139.56 | 40.581 | -47.763 | -199.896 | 109.163 | -21.178 | -78.08 | -172.825 | -79.835 | 40.031 | -242.995 | -19.05 | -55.244 | -148.198 | -116.005 | -161.223 | -123.796 | -131.979 | 132.983 | -4.586 | -44.066 | -108.387 | -85.405 | -80.131 | -118.814 | -45.182 | -16.246 | -77.227 | -101.402 | -79.067 | -92.245 | -127.553 | -64.168 | -99.331 | -68.459 | -81.266 | -28.65 |
| Operating Cash Flow
| 104.977 | 170.685 | 191.014 | 83.876 | 90.893 | 170.246 | 154.887 | 136.482 | 158.456 | 26.157 | 20.657 | -78.768 | 156.439 | 29.386 | -15.177 | -82.21 | -36.821 | 19.15 | -213.828 | 21.385 | -91.463 | -141.119 | -102.02 | -145.121 | -107.788 | -132.446 | 155.754 | 24.317 | -36.104 | -31.301 | -73.753 | -74.778 | -107.697 | -47.489 | -4.049 | -76.526 | -93.886 | -69.022 | -87.479 | -128.371 | -49.973 | -108.423 | -60.978 | -64.902 | -27.205 |
| Investing Activities: | |||||||||||||||||||||||||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -2.294 | -4.018 | -6.407 | -17.206 | -21.676 | -21.608 | -8.263 | -6.563 | -10.405 | -8.12 | -7.4 | -8.195 | -20.036 | -1.418 | -0.348 | -0.558 | -0.674 | -19.676 | -0.117 | -0.459 | -0.737 | -7.194 | -2.18 | -14.508 | -13.315 | -23.491 | -26.614 | -19.532 | -41.685 | -52.719 | -7.938 | -25.822 | -37.66 | -9.695 | -0.761 | -0.182 | -0.251 | -1.157 | -6.227 | -19.787 | -3.281 | -3.043 | -2.7 | -8.175 | -0.428 |
| Acquisitions Net
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.209 | 0 | 0 | 0 | -0.012 | -0.101 | -7.583 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases Of Investments
| -80.822 | -85.616 | -84.116 | -64.487 | -50.89 | -39.065 | -26.89 | -32.213 | -148.026 | -43.135 | -199.164 | -162.448 | -37.837 | -110.535 | -119.671 | -104.712 | -108.223 | -52.942 | -50.42 | -240.068 | -52.757 | -22.844 | -24.427 | -7.445 | -198.384 | -19.762 | -10.834 | -23.542 | -293.046 | -30.062 | -6.606 | -6.384 | -0.019 | -12.475 | -10.147 | -12.356 | -2.443 | -9.49 | -9.512 | -4.025 | -1.9 | -3.238 | -37.846 | -0.25 | 0 |
| Sales Maturities Of Investments
| 32.131 | 38.788 | 36.749 | 35.132 | 44.028 | 35.638 | 36.884 | 27.916 | 21.319 | 32.353 | 57.172 | 173.453 | 47.297 | 56.353 | 53.123 | 80.578 | 65.039 | 62.569 | 63.996 | 44.748 | 26.214 | 48.085 | 34.26 | 16.402 | 12.543 | 19.818 | 17.086 | 14.922 | 4.805 | 12.506 | 2.72 | 2.205 | 2.262 | 10.375 | 6.446 | 1.428 | 0.89 | 6.874 | 8.742 | 3.735 | 10.844 | 3.142 | 0.672 | 0.689 | 0.514 |
| Other Investing Activites
| -548.279 | -535.377 | -774.822 | -339.023 | -250.16 | -363.46 | -550.382 | -234.062 | -455.742 | -520.225 | -297.002 | -206.427 | -242.63 | -157.157 | 132.651 | 163.444 | -112.59 | -79.583 | -370.925 | -1,793.542 | -152.003 | -109.228 | -137.271 | -143.759 | -101.776 | -119.893 | -111.827 | -126.143 | -90.638 | -110.352 | -78.933 | -100.39 | -90.128 | -139.59 | -72.987 | -88.365 | 10.044 | 17.551 | -17.233 | 57.549 | 27.055 | 22.765 | 3.275 | 64.235 | -21.145 |
| Investing Cash Flow
| -599.264 | -586.223 | -828.596 | -385.584 | -278.698 | -388.495 | -548.651 | -244.922 | -592.854 | -539.127 | -446.394 | -203.617 | -253.206 | -212.757 | 65.755 | 138.752 | -156.448 | -89.632 | -357.466 | -1,989.321 | -179.283 | -91.181 | -129.618 | -149.315 | -300.927 | -143.328 | -132.398 | -154.295 | -420.564 | -180.627 | -90.769 | -130.492 | -133.128 | -151.385 | -77.449 | -99.475 | 8.24 | 13.778 | -24.23 | 37.472 | 32.718 | 19.626 | -36.599 | 56.499 | -21.059 |
| Financing Activities: | |||||||||||||||||||||||||||||||||||||||||||||
| Debt Repayment
| -2.573 | -2.551 | -2.374 | -2.497 | 96.888 | -2.493 | -2.47 | -2.45 | -52.436 | 47.587 | -50.593 | -110.702 | -121.378 | -252.739 | -437.41 | -452.03 | -81.625 | -204.99 | 26.054 | 1,671.017 | 49.998 | -1.294 | -0.051 | -0.049 | -0.049 | -0.049 | -1.879 | -0.104 | -23.075 | -0.308 | -35.301 | 21.6 | 12.73 | -0.231 | -0.099 | -0.098 | -0.104 | -13.704 | -12.411 | 4.28 | 2.261 | 5.752 | 21.295 | 7.684 | 3.945 |
| Common Stock Issued
| 0 | 0 | 1.286 | 0.277 | 1.831 | -776.689 | 1.027 | 0.297 | 0.998 | 0.469 | 0.687 | 0.434 | 1.253 | 1.301 | 1.067 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87.171 | 0 | 0 | 0.404 | 74.631 | 0.1 | 0.1 |
| Common Stock Repurchased
| 0 | 0 | 0 | -4.092 | -0.335 | -0.688 | -1.689 | -8.106 | -0.744 | 0 | -0.687 | -6.158 | -1.993 | -0.953 | 0 | 0 | 0 | -2.817 | -0.633 | 0 | 0 | -0.073 | 0 | 0 | -1.932 | -4.256 | -0.009 | 0 | 0 | 0 | 0 | 0 | 0 | -4.957 | 0 | -7.261 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid
| -1.367 | -1.356 | -1.354 | -1.35 | -1.345 | -1.336 | -1.333 | -1.33 | -1.327 | -1.32 | -1.319 | -1.315 | -1.312 | -1.306 | -1.301 | -1.297 | -1.282 | -1.264 | -1.217 | -1.216 | -1.209 | -1.208 | -1.208 | -1.206 | -1.205 | -1.205 | -1.204 | -1.201 | -1.199 | -1.196 | -1.196 | -0.692 | -0.692 | -0.685 | -0.684 | -0.342 | -1.026 | -0.51 | 0 | -0.859 | -1.363 | -5.569 | -30.194 | -3.199 | -4.887 |
| Other Financing Activities
| 633.69 | 361.66 | 691.16 | 323.61 | 107.116 | 269.844 | 124.21 | 457.165 | 534.711 | 479.969 | 248.832 | 518.818 | 523.478 | 294.132 | 296.343 | 200.067 | 593.398 | -39.694 | -166.939 | 1,233.225 | 412.978 | 208.452 | 297.528 | 187.795 | 379.013 | 225.286 | -44.649 | -3.728 | 713.623 | 247.796 | 254.553 | 232.848 | 149.666 | 82.313 | 262.26 | 125.391 | 210.725 | 42.184 | 35.343 | 171.401 | 34.019 | 79.47 | 16.078 | 10.659 | 59.43 |
| Financing Cash Flow
| 629.75 | 357.753 | 688.718 | 319.763 | 202.659 | 266.015 | 120.407 | 453.385 | 480.948 | 526.236 | 196.92 | 406.801 | 400.788 | 40.087 | -142.368 | -253.26 | 510.491 | -245.948 | -142.102 | 2,903.174 | 462.257 | 207.393 | 296.639 | 186.698 | 377.759 | 224.032 | -47.732 | -5.033 | 689.349 | 246.292 | 218.056 | 253.756 | 161.704 | 81.397 | 261.477 | 124.951 | 209.595 | 27.97 | 110.103 | 174.822 | 34.917 | 80.057 | 81.81 | 15.244 | 58.588 |
| Other Information: | |||||||||||||||||||||||||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| 135.463 | -57.785 | 51.136 | 18.055 | 14.854 | 47.766 | -273.357 | 344.945 | 46.55 | 13.266 | -228.817 | 124.416 | 304.021 | -143.284 | -91.79 | -196.718 | 317.222 | -316.43 | -713.396 | 933.096 | 191.511 | -24.907 | 65.661 | -105.25 | -30.956 | -51.742 | -24.376 | -135.011 | 232.681 | 34.364 | 53.534 | 48.486 | -79.121 | -117.477 | 179.979 | -51.05 | 123.949 | -27.274 | -1.606 | 83.923 | 17.662 | -8.74 | -15.767 | 6.841 | 10.324 |
| Cash At End Of Period
| 744.263 | 608.8 | 666.585 | 615.449 | 597.394 | 582.54 | 534.774 | 808.131 | 463.186 | 416.636 | 403.37 | 632.187 | 507.771 | 203.75 | 347.034 | 438.824 | 635.542 | 318.32 | 634.75 | 1,348.146 | 415.05 | 223.539 | 248.446 | 180.617 | 285.867 | 316.823 | 368.565 | 392.941 | 527.952 | 295.271 | 260.907 | 207.373 | 158.887 | 238.008 | 355.485 | 175.506 | 226.556 | 102.607 | 129.881 | 131.487 | 47.564 | 29.902 | 38.642 | 54.409 | 47.568 |