Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
36.45
-0.15 (-0.41%)
Mar 3, 2026, 4:00 PM EST - Market closed

Live Oak Bancshares Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
105.6477.4273.9176.21167
Depreciation & Amortization
30.423.2821.2720.7821.37
Provision for Credit Losses
96.396.2151.3240.9415.21
Stock-Based Compensation
26.2126.2117.8820.3516.95
Net Change in Loans Held-for-Sale
-108.75-46.84-442.78-339.23
Other Adjustments
-35.15-25.27-23-93.95-3.12
Changes in Other Operating Activities
43.585.7339.53-22.32.1
Operating Cash Flow
158.24156.78184.9-300.74-119.72
Operating Cash Flow Growth
0.93%-15.21%---
Net Change in Loans Held-for-Investment
-1,842-1,573-1,191-826.888.82
Net Change in Securities and Investments
-60.78-130.41-120.69-131.56-171.4
Capital Expenditures
-14.76-49.31-46.84-43.75-3.08
Sale of Property, Plant & Equipment
4.361.040.1-0.08
Other Investing Activities
9.3951.9218.59-14.9315.77
Investing Cash Flow
-1,904-1,699-1,340-1,017-149.8
Net Change in Deposits
1,9281,4851,3901,7731,399
Long-Term Debt Issued
0.1699.72,90662.1602.85
Long-Term Debt Repaid
-10.58-10.24-2,966-297.18-1,827
Net Long-Term Debt Issued (Repaid)
-10.4289.47-59.85-235.09-1,224
Issuance of Common Stock
4.23.762.563.194.83
Repurchase of Common Stock
-7.63-8.93-6.73-4.97-20.1
Net Common Stock Issued (Repurchased)
-3.43-5.17-4.16-1.79-15.28
Issuance of Preferred Stock
96.27----
Net Preferred Stock Issued (Repurchased)
96.27----
Common Dividends Paid
-5.49-5.41-5.33-5.27-5.19
Preferred Share Dividends Paid
-3.05----
Other Financing Activities
-4.52---
Financing Cash Flow
2,0021,5691,3211,531154.95
Net Cash Flow
256.126.26165.9212.89-114.57
Free Cash Flow
143.49107.47138.06-344.5-122.8
Free Cash Flow Growth
33.51%-22.15%---
FCF Margin
29.80%27.39%34.69%-65.67%-27.80%
Free Cash Flow Per Share
3.122.353.06-7.67-2.72
Levered Free Cash Flow
257.5224.12101.91-104.15-1,036
Unlevered Free Cash Flow
59.22-20.313.96-45.2720.39
Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q