20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Live Oak Bancshares, Inc. (LOB) operates in the BANKS - REGIONAL industry and is headquartered in Wilmington, United States with about 1,027 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, LOB reported $1.0B in revenue and $104M in net income.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.1B | $1.0B | $929M | $777M | $509M | $506M | $378M | $290M | $253M | $203M | $145M | $113M | $81M | $61M | $54M | $41M |
| Gross Profit | $545M | $503M | $397M | $382M | $351M | $427M | $244M | $186M | $193M | $168M | $118M | $100M | $73M | $57M | $48M | $35M |
| Gross Margin % | 50.5% | 48.3% | 42.7% | 49.2% | 69.0% | 84.3% | 64.5% | 64.4% | 76.2% | 82.8% | 81.2% | 88.8% | 89.3% | 94.0% | 89.4% | 86.3% |
| Operating Income (EBIT) | $203M | $161M | $89M | $83M | $210M | $211M | $47M | $23M | $46M | $98M | $17M | $34M | $17M | $28M | $15M | $14M |
| Operating Margin % | 18.8% | 15.5% | 9.6% | 10.7% | 41.3% | 41.6% | 12.5% | 8.1% | 18.2% | 48.3% | 11.9% | 30.4% | 21.5% | 46.1% | 27.3% | 35.0% |
| Net Income | $137M | $104M | $77M | $74M | $176M | $167M | $60M | $18M | $51M | $100M | $14M | $21M | $10M | $28M | $16M | $14M |
| Net Margin % | 12.7% | 10.0% | 8.3% | 9.5% | 34.6% | 33.0% | 15.7% | 6.2% | 20.3% | 49.5% | 9.5% | 18.3% | 12.4% | 46.3% | 29.7% | 35.0% |
| EBITDA | $226M | $185M | $113M | $104M | $231M | $232M | $69M | $43M | $62M | $109M | $21M | $38M | $20M | $29M | $15M | $15M |
| Earnings Per Share (EPS) | $2.97 | $2.24 | $1.69 | $1.64 | $3.92 | $3.71 | $1.43 | $0.44 | $1.24 | $2.65 | $0.39 | $0.65 | $0.34 | $0.96 | $0.66 | $0.49 |
| Shares Outstanding (M) | 47M | 46M | 46M | 45M | 45M | 45M | 42M | 41M | 41M | 38M | 35M | 32M | 29M | 29M | 24M | 29M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $272M | $260M | $289M | $258M | $257M | $236M | $240M | $238M |
| Gross Profit | $130M | $125M | $169M | $120M | $119M | $95M | $91M | $92M |
| Gross Margin % | 47.8% | 48.2% | 58.5% | 46.5% | 46.2% | 40.1% | 38.0% | 38.5% |
| Operating Income (EBIT) | $46M | $40M | $80M | $37M | $31M | $13M | $13M | $18M |
| Operating Margin % | 16.8% | 15.4% | 27.7% | 14.1% | 12.1% | 5.6% | 5.5% | 7.5% |
| Net Income | $37M | $30M | $44M | $27M | $23M | $10M | $10M | $13M |
| Net Margin % | 13.5% | 11.6% | 15.2% | 10.3% | 9.1% | 4.1% | 4.1% | 5.5% |
| EBITDA | $52M | $47M | $84M | $43M | $38M | $20M | $20M | $24M |
| Earnings Per Share (EPS) | $0.79 | $0.65 | $0.95 | $0.57 | $0.51 | $0.21 | $0.21 | $0.28 |
| Shares Outstanding (M) | 47M | 46M | 46M | 46M | 46M | 46M | 46M | 46M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | ($36M) | $158M | $536M | $620M | $124M | ($120M) | ($273M) | ($494M) | $6M | ($288M) | ($222M) | ($335M) | ($262M) | ($44M) | ($28M) | ($11M) |
| Capital Expenditures (CapEx) | $16M | $15M | $49M | $47M | $44M | $3M | $21M | $37M | $111M | $124M | $11M | $30M | $14M | $8M | $14M | $5M |
| Free Cash Flow (FCF) | ($52M) | $143M | $487M | $573M | $81M | ($123M) | ($294M) | ($531M) | ($105M) | ($412M) | ($233M) | ($365M) | ($276M) | ($52M) | ($42M) | ($16M) |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $13M | $9M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M | $3M | $3M | $44M | $12M | $12M | $7M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $31M | $87M | $80M | ($235M) | $208M | $105M | $171M | $191M |
| Capital Expenditures (CapEx) | $3M | $2M | $9M | $2M | $1M | $2M | $4M | $6M |
| Free Cash Flow (FCF) | $28M | $85M | $70M | ($236M) | $207M | $103M | $167M | $185M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $3M | $3M | $3M | $2M | $1M | $1M | $1M | $1M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $16.0B | $15.1B | $12.9B | $11.3B | $9.9B | $8.2B | $7.9B | $4.8B | $3.7B | $2.8B | $1.8B | $1.1B | $673M | $430M | $342M | $266M |
| Cash & Cash Equivalents | ($592M) | $865M | $609M | $583M | $284M | $192M | $304M | $134M | $324M | $298M | $245M | $113M | $40M | $37M | $44M | $28M |
| Total Liabilities | $14.7B | $13.9B | $11.9B | $10.7B | $9.0B | $7.5B | $7.3B | $4.3B | $3.2B | $2.3B | $1.5B | $853M | $582M | $382M | $311M | $239M |
| Total Debt (Short + Long-Term) | $100M | $103M | $113M | $24M | $133M | $326M | $1.6B | $3M | $1M | $27M | $52M | $52M | $77M | $12M | $0M | $0M |
| Total Shareholders' Equity | $1.3B | $1.2B | $999M | $587M | $811M | $715M | $568M | $522M | $494M | $437M | $223M | $199M | $92M | $48M | $33M | $28M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive LOB viewer.
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