Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q