Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
39.03
+0.37 (0.96%)
Jun 12, 2026, 4:00 PM EDT - 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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Net Income | 125.92 | 105.64 | 77.42 | 73.9 | 176.21 | 167 |
Depreciation & Amortization | 30.36 | 30.4 | 23.28 | 21.27 | 20.78 | 21.37 |
Provision for Credit Losses | 87.44 | 96.3 | 96.21 | 51.32 | 40.94 | 15.21 |
Stock-Based Compensation | 26.42 | 26.21 | 26.21 | 17.88 | 20.35 | 16.95 |
Net Change in Loans Held-for-Sale | -210.13 | -108.75 | -46.8 | 4 | -442.78 | -339.23 |
Other Adjustments | 33.06 | -35.15 | -25.27 | -23 | -93.95 | -3.12 |
Changes in Other Operating Activities | 43.67 | 43.58 | 5.73 | 39.53 | -22.3 | 2.1 |
Operating Cash Flow | 140.65 | 158.24 | 156.78 | 184.9 | -300.74 | -119.72 |
Operating Cash Flow Growth | -52.29% | 0.93% | -15.21% | - | - | - |
Net Change in Loans Held-for-Investment | -1,580 | -1,842 | -1,573 | -1,191 | -826.88 | 8.82 |
Net Change in Securities and Investments | -21.54 | -60.78 | -130.41 | -120.69 | -131.56 | -171.4 |
Capital Expenditures | -14.51 | -14.76 | -49.31 | -46.84 | -43.75 | -3.08 |
Sale of Property, Plant & Equipment | 4.14 | 4.36 | 1.04 | 0.1 | - | 0.08 |
Other Investing Activities | -53.13 | 9.39 | 51.92 | 18.59 | -14.93 | 15.77 |
Investing Cash Flow | -1,578 | -1,904 | -1,699 | -1,340 | -1,017 | -149.8 |
Net Change in Deposits | 1,439 | 1,928 | 1,485 | 1,390 | 1,773 | 1,399 |
Long-Term Debt Issued | 0.15 | 0.16 | 99.7 | 2,906 | 62.1 | 602.85 |
Long-Term Debt Repaid | -10.66 | -10.58 | -10.24 | -2,966 | -297.18 | -1,827 |
Net Long-Term Debt Issued (Repaid) | -10.5 | -10.42 | 89.47 | -59.85 | -235.09 | -1,224 |
Issuance of Common Stock | 3.76 | 4.2 | 3.76 | 2.56 | 3.19 | 4.83 |
Repurchase of Common Stock | -8.44 | -7.63 | -8.93 | -6.73 | -4.97 | -20.1 |
Net Common Stock Issued (Repurchased) | -4.68 | -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 | -2.35 | -5.49 | -5.41 | -5.33 | -5.27 | -5.19 |
Preferred Share Dividends Paid | -2.09 | -3.05 | - | - | - | - |
Other Financing Activities | - | - | 4.52 | - | - | - |
Financing Cash Flow | 1,510 | 2,002 | 1,569 | 1,321 | 1,531 | 154.95 |
Net Cash Flow | 71.87 | 256.1 | 26.26 | 165.9 | 212.89 | -114.57 |
Free Cash Flow | 126.14 | 143.49 | 107.47 | 138.06 | -344.5 | -122.8 |
Free Cash Flow Growth | -12.09% | 33.51% | -22.15% | - | - | - |
FCF Margin | 24.75% | 29.80% | 27.39% | 34.69% | -65.67% | -27.80% |
Free Cash Flow Per Share | 2.73 | 3.12 | 2.35 | 3.06 | -7.67 | -2.72 |
Levered Free Cash Flow | 170.08 | 151.63 | 146.65 | 28.01 | -104.15 | -1,036 |
Unlevered Free Cash Flow | 59.53 | 59.22 | -20.3 | 13.96 | -45.27 | 20.39 |