Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
31.26
-0.35 (-1.11%)
Oct 31, 2025, 11:06 AM EDT - Market open

Live Oak Bancshares Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
806.55744.84623.67418.55347.74270.77
Upgrade
Interest Income on Investments
74.8467.5364.6125.9313.4817.64
Upgrade
Total Interest Income
881.39812.37688.28444.47361.21288.41
Upgrade
Interest Paid on Deposits
451.89430.89340.21115.0459.7489.73
Upgrade
Interest Paid on Borrowings
6.785.582.761.944.693.96
Upgrade
Total Interest Expense
458.67436.47342.97116.9764.4393.69
Upgrade
Net Interest Income
422.71375.91345.31327.5296.79194.72
Upgrade
Net Interest Income Growth (YoY)
14.87%8.86%5.44%10.35%52.41%39.01%
Upgrade
Gain (Loss) on Sale of Investments
-0.720.02-15.61-12.8641.5716.79
Upgrade
Gain (Loss) on Sale of Equity Investments
-9.16-10.92-5.99144.25-1.72-14.69
Upgrade
Other Non-Interest Income
50.0270.8575.6946.145.6347.51
Upgrade
Total Non-Interest Income
119.54123.2597.09221.78157.0186
Upgrade
Non-Interest Income Growth (YoY)
9.30%26.95%-56.22%41.25%82.57%36.69%
Upgrade
Revenues Before Loan Losses
542.25499.16442.39549.28453.8280.72
Upgrade
Provision for Loan Losses
108.0496.2151.3240.9415.2140.66
Upgrade
434.21402.94391.07508.33438.59240.07
Upgrade
Revenue Growth (YoY)
7.02%3.04%-23.07%15.90%82.70%27.84%
Upgrade
Salaries and Employee Benefits
168.75156.85156.93150.29107.8697.69
Upgrade
Federal Deposit Insurance
13.7910.8416.679.767.077.47
Upgrade
Selling, General & Administrative
122.98116.36102.68105.9688.9667.98
Upgrade
Other Non-Interest Expense
34.5529.6731.9632.0123.9118.26
Upgrade
Total Non-Interest Expense
340.07313.71308.24298.01227.8191.41
Upgrade
EBT Excluding Unusual Items
94.1489.2482.83210.32210.7948.65
Upgrade
Asset Writedown
------1.26
Upgrade
Pretax Income
94.1489.2482.83210.32210.7947.39
Upgrade
Income Tax Expense
24.7711.828.9334.1243.79-12.15
Upgrade
Earnings From Continuing Operations
69.3677.4273.9176.2116759.54
Upgrade
Minority Interest in Earnings
0.20.06----
Upgrade
Net Income
69.5677.4773.9176.2116759.54
Upgrade
Net Income to Common
68.6177.4773.9176.2116759.54
Upgrade
Net Income Growth
-16.93%4.84%-58.06%5.52%180.46%230.17%
Upgrade
Basic Shares Outstanding
464544444341
Upgrade
Diluted Shares Outstanding
464645454542
Upgrade
Shares Change (YoY)
0.88%1.61%0.42%-0.37%7.90%1.75%
Upgrade
EPS (Basic)
1.511.721.674.023.871.46
Upgrade
EPS (Diluted)
1.491.691.643.923.711.43
Upgrade
EPS Growth
-19.00%3.05%-58.16%5.66%159.44%225.00%
Upgrade
Dividend Per Share
0.1200.1200.1200.1200.1200.120
Upgrade
Effective Tax Rate
26.31%13.24%10.78%16.22%20.78%-
Upgrade
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q