Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
35.43
-0.44 (-1.23%)
Oct 10, 2025, 2:57 PM EDT - Market open
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 | 2013 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 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 | 2013 - 2019 |
Net Income | 55.92 | 77.42 | 73.9 | 176.21 | 167 | 59.54 | Upgrade |
Depreciation & Amortization | 26.26 | 22.56 | 21.28 | 24.2 | 27.83 | 25.05 | Upgrade |
Provision for Credit Losses | 120.3 | 96.21 | 51.32 | 40.94 | 15.21 | 40.66 | Upgrade |
Stock-Based Compensation | 26.72 | 26.21 | 17.88 | 20.35 | 16.95 | 14.74 | Upgrade |
Net Change in Loans Held-for-Sale | 510.37 | 393.79 | 485.72 | 25.7 | -271.95 | -307.76 | Upgrade |
Other Adjustments | -80.54 | -77.89 | -47.28 | -147.87 | -77.2 | -32.37 | Upgrade |
Changes in Other Operating Activities | 15.54 | -1.82 | 17.26 | -15.04 | 2.45 | -60.86 | Upgrade |
Operating Cash Flow | 674.85 | 536.47 | 620.07 | 124.49 | -119.72 | -261 | Upgrade |
Operating Cash Flow Growth | 34.99% | -13.48% | 398.11% | - | - | - | Upgrade |
Net Change in Loans Held-for-Investment | -2,369 | -1,952 | -1,626 | -1,269 | 8.82 | -2,414 | Upgrade |
Net Change in Securities and Investments | -152.28 | -133.67 | -128.3 | -280.61 | -171.4 | -197.91 | Upgrade |
Payments for Business Acquisitions | - | - | - | - | - | -0.9 | Upgrade |
Capital Expenditures | -14.14 | -49.31 | -46.84 | -43.75 | -3.08 | -20.99 | Upgrade |
Sale of Property, Plant & Equipment | - | 44.64 | 18.69 | - | 9.07 | 9.07 | Upgrade |
Other Investing Activities | 1.94 | 16.11 | 7.61 | 150.89 | 6.79 | 5.28 | Upgrade |
Investing Cash Flow | -2,499 | -2,079 | -1,775 | -1,442 | -149.8 | -2,619 | Upgrade |
Net Change in Deposits | 1,888 | 1,485 | 1,390 | 1,773 | 1,399 | 1,486 | Upgrade |
Long-Term Debt Issued | 0.33 | 99.7 | 2,906 | 62.1 | 602.85 | 1,828 | Upgrade |
Long-Term Debt Repaid | -10.41 | -10.24 | -2,966 | -297.18 | -1,827 | -285.95 | Upgrade |
Net Long-Term Debt Issued (Repaid) | -10.09 | 89.47 | -59.85 | -235.09 | -1,224 | 1,542 | Upgrade |
Issuance of Common Stock | 2.45 | 3.76 | 2.56 | 3.19 | 4.83 | 3.59 | Upgrade |
Repurchase of Common Stock | -9 | -8.93 | -6.73 | -4.97 | -20.1 | -49.23 | Upgrade |
Net Common Stock Issued (Repurchased) | -6.55 | -5.17 | -4.16 | -1.79 | -15.28 | -45.64 | Upgrade |
Common Dividends Paid | -5.45 | -5.41 | -5.33 | -5.27 | -5.19 | -4.91 | Upgrade |
Financing Cash Flow | 1,872 | 1,569 | 1,321 | 1,531 | 154.95 | 2,977 | Upgrade |
Net Cash Flow | 47.31 | 26.26 | 165.9 | 212.89 | -114.57 | 96.92 | Upgrade |
Beginning Cash & Cash Equivalents | 615.45 | 582.54 | 416.64 | 203.75 | 318.32 | 221.4 | Upgrade |
Ending Cash & Cash Equivalents | 662.76 | 608.8 | 582.54 | 416.64 | 203.75 | 318.32 | Upgrade |
Free Cash Flow | 660.7 | 487.16 | 573.23 | 80.73 | -122.8 | -281.99 | Upgrade |
Free Cash Flow Growth | 35.62% | -15.02% | 610.03% | - | - | - | Upgrade |
FCF Margin | 162.11% | 120.74% | 141.29% | 15.39% | -27.80% | -117.46% | Upgrade |
Free Cash Flow Per Share | 14.39 | 10.63 | 12.71 | 1.80 | -2.72 | -6.75 | Upgrade |
Levered Free Cash Flow | 73.49 | 138.37 | 5.75 | -93.47 | -1,030 | 1,545 | Upgrade |
Unlevered Free Cash Flow | 27.66 | -28.57 | -8.3 | -34.6 | 27.19 | -56.8 | Upgrade |
Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.