Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
30.69
+1.28 (4.35%)
Nov 21, 2025, 4:00 PM EST - Market closed
Live Oak Bancshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Net Income | 69.56 | 77.47 | 73.9 | 176.21 | 167 | 59.54 | Upgrade |
Depreciation & Amortization | 27.08 | 23.28 | 21.27 | 20.78 | 21.37 | 21.69 | Upgrade |
Gain (Loss) on Sale of Assets | 10.1 | -9.22 | -3.28 | 0.01 | -0.94 | 0.06 | Upgrade |
Gain (Loss) on Sale of Investments | 0.19 | -0.74 | 15.62 | 16.28 | -35.1 | -13.43 | Upgrade |
Total Asset Writedown | - | - | 0.5 | - | 0.9 | 1.26 | Upgrade |
Provision for Credit Losses | 108.04 | 96.21 | 51.32 | 40.94 | 15.21 | 40.66 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 343.72 | 393.79 | 485.72 | 25.7 | -271.95 | -307.76 | Upgrade |
Change in Other Net Operating Assets | 8.85 | 5.88 | 39.47 | -22.06 | 2.08 | -62.26 | Upgrade |
Other Operating Activities | -15.08 | -25.12 | -44.3 | 34.29 | 25.25 | -15.84 | Upgrade |
Operating Cash Flow | 507.91 | 536.47 | 620.07 | 124.49 | -119.72 | -261 | Upgrade |
Operating Cash Flow Growth | 83.13% | -13.48% | 398.11% | - | - | - | Upgrade |
Capital Expenditures | -9.47 | -49.31 | -46.84 | -43.75 | -3.08 | -20.99 | Upgrade |
Sale of Property, Plant and Equipment | 4.43 | 44.64 | 18.69 | - | 9.07 | 9.07 | Upgrade |
Cash Acquisitions | - | - | - | - | - | -0.9 | Upgrade |
Investment in Securities | -139.15 | -130.41 | -120.69 | -131.56 | -171.4 | -197.91 | Upgrade |
Income (Loss) Equity Investments | 9.16 | 10.92 | 5.99 | -144.25 | 1.72 | 14.69 | Upgrade |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -2,118 | -1,952 | -1,626 | -1,269 | 8.82 | -2,414 | Upgrade |
Other Investing Activities | 10.88 | 8.32 | - | 1.84 | 6.79 | 5.28 | Upgrade |
Investing Cash Flow | -2,252 | -2,079 | -1,775 | -1,442 | -149.8 | -2,619 | Upgrade |
Long-Term Debt Issued | - | 99.7 | 2,906 | 62.1 | 602.85 | 1,828 | Upgrade |
Total Debt Issued | 0.17 | 99.7 | 2,906 | 62.1 | 602.85 | 1,828 | Upgrade |
Long-Term Debt Repaid | - | -10.24 | -2,966 | -297.18 | -1,827 | -285.95 | Upgrade |
Total Debt Repaid | -10.49 | -10.24 | -2,966 | -297.18 | -1,827 | -285.95 | Upgrade |
Net Debt Issued (Repaid) | -10.33 | 89.47 | -59.85 | -235.09 | -1,224 | 1,542 | Upgrade |
Issuance of Common Stock | 4.08 | 3.76 | 2.56 | 3.19 | 4.83 | 3.59 | Upgrade |
Repurchase of Common Stock | -8.73 | -8.93 | -6.73 | -4.97 | -20.1 | -49.23 | Upgrade |
Common Dividends Paid | -5.47 | -5.41 | -5.33 | -5.27 | -5.19 | -4.91 | Upgrade |
Net Increase (Decrease) in Deposit Accounts | 1,890 | 1,485 | 1,390 | 1,773 | 1,399 | 1,486 | Upgrade |
Other Financing Activities | 4.52 | 4.52 | - | - | - | - | Upgrade |
Financing Cash Flow | 1,970 | 1,569 | 1,321 | 1,531 | 154.95 | 2,977 | Upgrade |
Net Cash Flow | 225.86 | 26.26 | 165.9 | 212.89 | -114.57 | 96.92 | Upgrade |
Free Cash Flow | 498.44 | 487.16 | 573.23 | 80.73 | -122.8 | -281.99 | Upgrade |
Free Cash Flow Growth | 136.84% | -15.02% | 610.03% | - | - | - | Upgrade |
Free Cash Flow Margin | 114.79% | 120.90% | 146.58% | 15.88% | -28.00% | -117.46% | Upgrade |
Free Cash Flow Per Share | 10.83 | 10.63 | 12.71 | 1.80 | -2.73 | -6.75 | Upgrade |
Cash Interest Paid | 458.68 | 436.85 | 342.77 | 117.52 | 66.84 | 91.8 | Upgrade |
Cash Income Tax Paid | 28.7 | 38.91 | 5.3 | 24.71 | 19.72 | 11.49 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.