Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	139.4	105.87	77.47	73.9	176.21	167
Depreciation & Amortization	29.41	30.4	23.28	21.27	20.78	21.37
Gain (Loss) on Sale of Assets	-8.67	3.85	-9.22	-3.28	0.01	-0.94
Gain (Loss) on Sale of Investments	-2.38	-5.61	-0.74	15.62	16.28	-35.1
Total Asset Writedown	3.23	-	-	0.5	-	0.9
Provision for Credit Losses	122.45	96.3	96.21	51.32	40.94	15.21
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.34	-46.33	2.97	42.81	25.7	-271.95
Change in Other Net Operating Assets	49.56	43.56	5.88	39.47	-22.06	2.08
Other Operating Activities	43.72	-14.05	-25.12	-44.3	34.29	25.25
Operating Cash Flow	313.95	158.24	156.78	184.9	124.49	-119.72
Operating Cash Flow Growth	125.42%	0.93%	-15.21%	48.53%	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-16.5	-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	-98.45	-60.78	-130.41	-120.69	-131.56	-171.4
Income (Loss) Equity Investments	-23.62	-17.39	10.92	5.99	-144.25	1.72
Net Decrease (Increase) in Loans Originated / Sold - Investing	-2,156	-1,842	-1,573	-1,191	-1,269	8.82
Other Investing Activities	12.21	9.39	8.32	-	1.84	6.79
Investing Cash Flow	-2,258	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	-5.4	-10.58	-10.24	-2,966	-297.18	-1,827
Net Debt Issued (Repaid)	-5.25	-10.42	89.47	-59.85	-235.09	-1,224
Issuance of Common Stock	2.06	4.2	3.76	2.56	3.19	4.83
Repurchase of Common Stock	-8.92	-7.63	-8.93	-6.73	-4.97	-20.1
Preferred Stock Issued	-	96.27	-	-	-	-
Common Dividends Paid	-5.54	-5.49	-5.41	-5.33	-5.27	-5.19
Preferred Dividends Paid	-8.37	-3.05	-	-	-	-
Total Dividends Paid	-13.92	-8.54	-5.41	-5.33	-5.27	-5.19
Net Increase (Decrease) in Deposit Accounts	2,177	1,928	1,485	1,390	1,773	1,399
Other Financing Activities	-	-	4.52	-	-	-
Financing Cash Flow	2,151	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	207.46	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	297.45	143.49	107.47	138.06	80.73	-122.8
Free Cash Flow Growth	129.16%	33.51%	-22.15%	71.00%	-	-
Free Cash Flow Margin	56.41%	29.84%	27.43%	36.01%	15.88%	-28.00%
Free Cash Flow Per Share	6.39	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	473.84	460.58	436.85	342.77	117.52	66.84
Cash Income Tax Paid	77.04	26.59	38.91	5.3	24.71	19.72

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 6, 2026

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