Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
33.92
+0.02 (0.06%)
Nov 6, 2026, 4:00 PM EST - Market closed
Live Oak Bancshares Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 1,100 | 864.9 | 608.8 | 582.54 | 416.64 | 203.75 |
Investment Securities | 100.53 | 53.67 | 112.12 | 146.45 | 140.46 | 106.32 |
Mortgage-Backed Securities | 1,479 | 1,411 | 1,227 | 1,106 | 995.57 | 889.34 |
Total Investments | 1,579 | 1,464 | 1,339 | 1,252 | 1,136 | 995.66 |
Gross Loans | 13,423 | 12,010 | 10,263 | 8,656 | 7,349 | 5,528 |
Allowance for Loan Losses | -213.63 | -192.26 | -167.52 | -125.84 | -96.57 | -63.58 |
Other Adjustments to Gross Loans | -49.6 | -36.21 | -30.02 | -22.24 | -4.91 | -6.6 |
Net Loans | 13,159 | 11,781 | 10,066 | 8,508 | 7,248 | 5,458 |
Property, Plant & Equipment | 220.89 | 233.97 | 264.91 | 212.16 | 231.44 | 241.72 |
Loans Held for Sale | 496.81 | 420.06 | 346 | 387.04 | 554.61 | 1,117 |
Accrued Interest Receivable | 96.6 | 85 | 80.7 | 63.5 | 46.5 | 31 |
Other Real Estate Owned & Foreclosed | 8.48 | 8.21 | 1.94 | 6.48 | - | 0.62 |
Other Long-Term Assets | 304.4 | 267.94 | 227.92 | 252.86 | 218.57 | 162.55 |
Total Assets | 16,966 | 15,135 | 12,943 | 11,271 | 9,855 | 8,213 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 14,830 | 12,520 | 10,746 | 9,320 | 8,062 | 6,458 |
Institutional Deposits | - | 653.5 | 695.9 | 695.6 | 629.1 | 564.8 |
Non-Interest Bearing Deposits | 638.33 | 515.05 | 318.89 | 259.27 | 194.1 | 89.28 |
Total Deposits | 15,468 | 13,689 | 11,760 | 10,275 | 8,885 | 7,112 |
Short-Term Borrowings | - | - | - | - | 50 | 8 |
Current Portion of Long-Term Debt | - | 2.68 | - | - | - | - |
Current Portion of Leases | - | 0.6 | - | - | - | 0 |
Long-Term Debt | 99.79 | 99.65 | 112.69 | 23.35 | 33.2 | 310.29 |
Long-Term Leases | - | 1.64 | 2.77 | 3.18 | 2.56 | 2.44 |
Other Long-Term Liabilities | 85.37 | 87.45 | 63.93 | 67.2 | 73.78 | 65.49 |
Total Liabilities | 15,653 | 13,881 | 11,940 | 10,369 | 9,044 | 7,498 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Preferred Stock, Redeemable | 96.27 | 96.27 | - | - | - | - |
Common Stock | 404.12 | 388.39 | 365.61 | 344.57 | 330.85 | 312.29 |
Retained Earnings | 892.63 | 809.89 | 715.77 | 642.82 | 572.5 | 400.89 |
Comprehensive Income & Other | -84.74 | -44.67 | -82.34 | -84.72 | -92.32 | 1.95 |
Total Common Equity | 1,212 | 1,154 | 999.03 | 902.67 | 811.03 | 715.13 |
Minority Interest | 3.97 | 4.24 | 4.47 | - | - | - |
Shareholders' Equity | 1,312 | 1,254 | 1,003 | 902.67 | 811.03 | 715.13 |
Total Liabilities & Equity | 16,966 | 15,135 | 12,943 | 11,271 | 9,855 | 8,213 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 99.79 | 104.57 | 115.46 | 26.53 | 85.76 | 320.73 |
Net Cash (Debt) | 1,000 | 760.59 | 493.59 | 556.26 | 334.88 | -112.23 |
Net Cash Growth | 27.01% | 54.09% | -11.27% | 66.11% | - | - |
Net Cash Per Share | 21.48 | 16.52 | 10.77 | 12.34 | 7.46 | -2.49 |
Filing Date Shares Outstanding | 46.38 | 46.22 | 45.57 | 44.77 | 44.15 | 43.62 |
Total Common Shares Outstanding | 46.38 | 46.03 | 45.36 | 44.62 | 44.06 | 43.62 |
Book Value Per Share | 26.13 | 25.06 | 22.02 | 20.23 | 18.41 | 16.39 |
Tangible Book Value | 1,212 | 1,154 | 999.03 | 902.67 | 811.03 | 715.13 |
Tangible Book Value Per Share | 26.13 | 25.06 | 22.02 | 20.23 | 18.41 | 16.39 |