Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
39.56
+0.05 (0.13%)
At close: Sep 3, 2026, 4:00 PM EDT
39.31
-0.25 (-0.63%)
Pre-market: Sep 4, 2026, 5:14 AM EDT
Live Oak Bancshares Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 139.56 | 105.87 | 77.47 | 73.9 | 176.21 | 167 |
Depreciation & Amortization | 29.85 | 30.4 | 23.28 | 21.27 | 20.78 | 21.37 |
Gain (Loss) on Sale of Assets | 0.64 | 3.85 | -9.22 | -3.28 | 0.01 | -0.94 |
Gain (Loss) on Sale of Investments | -4.96 | -5.61 | -0.74 | 15.62 | 16.28 | -35.1 |
Total Asset Writedown | - | - | - | 0.5 | - | 0.9 |
Provision for Credit Losses | 89.99 | 96.3 | 96.21 | 51.32 | 40.94 | 15.21 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -8.5 | -46.33 | 2.97 | 42.81 | 25.7 | -271.95 |
Change in Other Net Operating Assets | 18.92 | 43.56 | 5.88 | 39.47 | -22.06 | 2.08 |
Other Operating Activities | 45.8 | -14.05 | -25.12 | -44.3 | 34.29 | 25.25 |
Operating Cash Flow | 253.27 | 158.24 | 156.78 | 184.9 | 124.49 | -119.72 |
Operating Cash Flow Growth | 4458.44% | 0.93% | -15.21% | 48.53% | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Capital Expenditures | -15.89 | -14.76 | -49.31 | -46.84 | -43.75 | -3.08 |
Sale of Property, Plant and Equipment | 0.45 | 4.36 | 44.64 | 18.69 | - | 9.07 |
Investment in Securities | -53.99 | -60.78 | -130.41 | -120.69 | -131.56 | -171.4 |
Income (Loss) Equity Investments | -21.6 | -17.39 | 10.92 | 5.99 | -144.25 | 1.72 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -1,953 | -1,842 | -1,573 | -1,191 | -1,269 | 8.82 |
Other Investing Activities | 10.74 | 9.39 | 8.32 | - | 1.84 | 6.79 |
Investing Cash Flow | -2,011 | -1,904 | -1,699 | -1,340 | -1,442 | -149.8 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Long-Term Debt Issued | - | 0.16 | 99.7 | 2,906 | 62.1 | 602.85 |
Long-Term Debt Repaid | - | -10.58 | -10.24 | -2,966 | -297.18 | -1,827 |
Total Debt Repaid | -8.04 | -10.58 | -10.24 | -2,966 | -297.18 | -1,827 |
Net Debt Issued (Repaid) | -7.89 | -10.42 | 89.47 | -59.85 | -235.09 | -1,224 |
Issuance of Common Stock | 3.07 | 4.2 | 3.76 | 2.56 | 3.19 | 4.83 |
Repurchase of Common Stock | -8.5 | -7.63 | -8.93 | -6.73 | -4.97 | -20.1 |
Preferred Stock Issued | 96.27 | 96.27 | - | - | - | - |
Common Dividends Paid | -5.53 | -5.49 | -5.41 | -5.33 | -5.27 | -5.19 |
Preferred Dividends Paid | -7.24 | -3.05 | - | - | - | - |
Total Dividends Paid | -12.76 | -8.54 | -5.41 | -5.33 | -5.27 | -5.19 |
Net Increase (Decrease) in Deposit Accounts | 1,953 | 1,928 | 1,485 | 1,390 | 1,773 | 1,399 |
Other Financing Activities | - | - | 4.52 | - | - | - |
Financing Cash Flow | 2,023 | 2,002 | 1,569 | 1,321 | 1,531 | 154.95 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Cash Flow | 264.88 | 256.1 | 26.26 | 165.9 | 212.89 | -114.57 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | 237.37 | 143.49 | 107.47 | 138.06 | 80.73 | -122.8 |
Free Cash Flow Growth | - | 33.51% | -22.15% | 71.00% | - | - |
Free Cash Flow Margin | 45.10% | 29.84% | 27.43% | 36.01% | 15.88% | -28.00% |
Free Cash Flow Per Share | 5.12 | 3.12 | 2.35 | 3.06 | 1.80 | -2.73 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Cash Interest Paid | 463.08 | 460.58 | 436.85 | 342.77 | 117.52 | 66.84 |
Cash Income Tax Paid | 82.99 | 26.59 | 38.91 | 5.3 | 24.71 | 19.72 |