Live Oak Bancshares, Inc. (LOB) - Quarterly Income Statement

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LOB
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29.8 (USD) • At close June 30, 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
Revenue Numbers are in millions	236.34	239.916	238.274	230.545	220.555	198.084	216.038	192.481	169.951	145.396	133.325	105.648	124.461	119.584	115.763	157.081	113.985	99.409	120.684	88.979	69.237	82.716	75.37	69.214	63.613	61.337	64.839	70.848	64.45	55.904	51.631	50.031	45.167	39.22	40.188	32.129	33.252	33.132	26.12	25.579	26.794	22.143	22	21.218	17.411
Cost of Revenue Numbers are in millions	141.537	148.675	146.438	118.893	118.673	105.955	101.48	98.438	88.42	70.379	46.117	24.58	16.839	18.483	19.37	24.383	17.402	29.373	33.989	35.877	35.104	30.01	27.536	24.615	22.348	22.781	13.923	16.015	14.939	11.615	9.573	7.509	6.277	8.366	7.737	6.938	4.118	3.775	3.604	2.295	2.994	3.222	1.938	1.81	1.675
Gross Profit Numbers are in millions	94.803	91.241	91.836	111.652	101.882	92.129	114.558	94.043	81.531	75.017	87.208	81.068	107.622	101.101	96.393	132.698	95.71	70.036	86.695	53.102	34.133	52.706	47.834	44.599	41.265	38.556	50.916	54.833	49.511	44.289	42.058	42.522	38.89	30.854	32.451	25.191	29.134	29.357	22.516	23.284	23.8	18.921	20.062	19.408	15.736
Gross Profit Ratio Numbers are in millions	0.401	0.38	0.385	0.484	0.462	0.465	0.53	0.489	0.48	0.516	0.654	0.767	0.865	0.845	0.833	0.845	0.84	0.705	0.718	0.597	0.493	0.637	0.635	0.644	0.649	0.629	0.785	0.774	0.768	0.792	0.815	0.85	0.861	0.787	0.807	0.784	0.876	0.886	0.862	0.91	0.888	0.854	0.912	0.915	0.904
Reseach & Development Expenses Numbers are in millions	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
General & Administrative Expenses Numbers are in millions	51.559	48.267	46.457	48.904	50.475	48.365	47.062	48.127	48.168	25.898	46.176	48.44	46.532	39.581	36.022	39.735	38.009	35.038	29.307	35.267	32.73	27.931	25.89	24.636	24.889	17.656	25.433	26.434	24.044	23.334	22.564	21.335	21.509	18.556	18.933	16.964	14.349	13.895	10.722	10.041	9.248	8.21	6.85	6.635	10.13
Selling & Marketing Expenses Numbers are in millions	3.665	1.979	2.473	3.004	3.692	2.501	3.446	3.009	3.603	3.892	2.621	2.301	1.729	1.844	1.631	0.875	0.652	0.973	0.552	0.624	1.361	1.63	1.277	1.665	1.364	1.023	1.462	1.868	1.662	1.386	1.516	1.976	1.485	1.109	1.097	1.365	0.963	1.156	1.051	1.118	1.008	1.033	0.763	0.722	0.798
SG&A Numbers are in millions	55.224	50.246	48.93	51.908	54.167	50.866	50.508	51.136	51.771	29.79	48.797	50.741	48.261	41.425	37.653	40.61	38.661	36.011	29.859	35.891	34.091	29.561	27.167	26.301	26.253	18.679	26.895	28.302	25.706	24.72	24.08	23.311	22.994	19.665	20.03	18.329	15.312	15.051	11.773	11.159	10.256	9.243	7.613	7.357	10.928
Other Expenses Numbers are in millions	26.447	27.766	25.065	23.686	25.608	23.779	21.29	23.934	26.147	44.51	-5.982	-91.99	16.464	11.898	15.507	15.919	14.314	21.99	11.353	11.96	15.422	14.228	14.405	12.701	12.323	12.397	12.967	11.787	11.037	-53.769	10.175	9.008	8.986	8.698	6.382	6.182	5.825	5.069	5.617	5.424	0.213	5.819	5.831	5.39	4.51
Operating Expenses Numbers are in millions	81.671	78.012	73.995	75.594	79.775	74.645	71.798	75.07	77.918	74.3	42.815	-41.249	64.725	53.323	53.16	56.529	52.975	58.001	41.212	47.851	49.513	43.789	41.572	39.002	38.576	31.076	39.862	40.089	36.743	-29.049	34.255	32.319	31.98	28.363	26.412	24.511	21.137	20.12	17.39	16.583	10.469	15.062	13.444	12.747	15.438
Operating Income Numbers are in millions	13.132	13.229	17.841	36.058	22.107	17.484	42.76	18.973	3.613	0.717	44.393	122.317	42.897	47.778	43.233	76.169	43.608	12.035	45.483	5.251	-15.38	8.917	6.262	5.597	2.689	7.48	11.054	14.744	12.768	73.338	7.803	10.203	6.91	2.491	6.04	0.68	8.005	9.239	5.129	6.701	13.351	3.859	6.618	6.661	0.298
Operating Income Ratio Numbers are in millions	0.056	0.055	0.075	0.156	0.1	0.088	0.198	0.099	0.021	0.005	0.333	1.158	0.345	0.4	0.373	0.485	0.383	0.121	0.377	0.059	-0.222	0.108	0.083	0.081	0.042	0.122	0.17	0.208	0.198	1.312	0.151	0.204	0.153	0.064	0.15	0.021	0.241	0.279	0.196	0.262	0.498	0.174	0.301	0.314	0.017
Total Other Income Expenses Net Numbers are in millions	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
Income Before Tax Numbers are in millions	13.132	13.229	17.841	36.058	22.107	17.484	42.76	18.973	3.613	0.717	44.393	122.317	42.897	47.778	43.233	76.169	43.608	12.035	45.483	5.251	-15.38	8.917	6.262	5.597	2.689	7.48	11.054	14.744	12.768	73.338	7.803	10.203	6.91	2.491	6.039	0.68	7.997	9.238	5.126	6.701	13.331	3.859	6.618	6.661	0.298
Income Before Tax Ratio Numbers are in millions	0.056	0.055	0.075	0.156	0.1	0.088	0.198	0.099	0.021	0.005	0.333	1.158	0.345	0.4	0.373	0.485	0.383	0.121	0.377	0.059	-0.222	0.108	0.083	0.081	0.042	0.122	0.17	0.208	0.198	1.312	0.151	0.204	0.153	0.064	0.15	0.021	0.24	0.279	0.196	0.262	0.498	0.174	0.301	0.314	0.017
Income Tax Expense Numbers are in millions	3.464	3.386	4.816	9.095	-5.479	1.321	2.967	1.429	3.215	-1.075	1.525	25.278	8.388	17.631	9.394	12.587	4.181	-17.553	11.703	1.474	-7.778	2.085	2.367	0.662	0.317	-3.01	-3.198	0.491	0.315	1.608	-5.059	0.408	0.798	-2.989	2.561	0.557	3.314	3.523	2.228	2.766	5.278	1.411	5.977	0	0
Net Income Numbers are in millions	9.717	9.9	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	3.479	0.123	4.691	5.715	2.901	3.935	8.073	2.448	0.641	6.661	0.298
Net Income Ratio Numbers are in millions	0.041	0.041	0.055	0.117	0.125	0.082	0.184	0.091	0.002	0.012	0.322	0.919	0.277	0.252	0.292	0.405	0.346	0.298	0.28	0.042	-0.11	0.083	0.052	0.071	0.037	0.171	0.22	0.201	0.193	1.283	0.249	0.196	0.135	0.14	0.087	0.004	0.141	0.172	0.111	0.154	0.301	0.111	0.029	0.314	0.017
EPS Numbers are in millions	0.21	0.22	0.28	0.6	0.37	0.36	0.89	0.4	0.01	0.04	0.97	2.21	0.79	0.69	0.78	1.48	0.92	0.72	0.83	0.09	-0.19	0.17	0.1	0.12	0.06	0.26	0.36	0.36	0.31	1.8	0.34	0.28	0.18	0.16	0.1	0.004	0.14	0.17	0.09	0.12	0.28	0.086	0.022	0.23	0.006
EPS Diluted Numbers are in millions	0.21	0.22	0.28	0.59	0.36	0.36	0.88	0.39	0.01	0.04	0.96	2.17	0.76	0.66	0.76	1.41	0.88	0.68	0.81	0.09	-0.19	0.17	0.09	0.12	0.06	0.26	0.34	0.34	0.3	1.74	0.33	0.27	0.17	0.16	0.1	0.004	0.13	0.16	0.09	0.12	0.27	0.083	0.022	0.23	0.006
EBITDA Numbers are in millions	20.106	19.88	24.148	41.401	27.088	22.814	48.254	24.227	8.806	5.87	49.466	127.465	48.302	53.25	48.561	81.47	48.873	17.178	50.834	10.824	-9.759	14.581	11.464	10.664	6.723	11.857	15.24	18.781	16.554	76.597	10.761	12.557	8.618	3.55	7.131	1.724	9.062	10.755	6.022	7.289	13.764	4.406	7.243	7.18	0.766
EBITDA Ratio Numbers are in millions	0.085	0.083	0.101	0.18	0.123	0.115	0.223	0.126	0.052	0.04	0.371	1.207	0.388	0.445	0.419	0.519	0.429	0.173	0.421	0.122	-0.141	0.176	0.152	0.154	0.106	0.193	0.235	0.265	0.257	1.37	0.208	0.251	0.191	0.091	0.177	0.054	0.273	0.325	0.231	0.285	0.514	0.199	0.329	0.338	0.044

Live Oak Bancshares, Inc.

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