Live Oak Bancshares, Inc. (LOB)

NYSE: LOB · Real-Time Price · USD

42.08

-0.57 (-1.34%)

At close: Jul 24, 2026, 4:00 PM EDT

41.25

-0.83 (-1.97%)

After-hours: Jul 24, 2026, 7:34 PM EDT

Live Oak Bancshares Income 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	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 Interest Income	483.34	448.36	375.91	345.31	327.5	296.79
Net Interest Income Growth	19.57%	19.27%	8.86%	5.44%	10.35%	52.41%
Non-Interest Income	126.23	129.46	112.65	104	237.99	160.2
Non-Interest Income Growth	5.80%	14.92%	8.32%	-56.30%	48.56%	86.28%
Revenues Before Loan Losses	609.58	577.82	488.56	449.31	565.49	456.99
Provision for Credit Losses	89.99	96.3	96.21	51.32	40.94	15.21
Revenue	519.59	481.51	392.35	397.98	524.55	441.78
Revenue Growth (YoY)	28.85%	22.73%	-1.42%	-24.13%	18.74%	84.02%
Compensation Expenses	190.42	189.44	174.71	169.09	170.82	124.93
Selling, General & Admin	92.06	97.14	87.37	82.79	85.42	71.89
Other Non-Interest Expenses	52.24	52.12	41.03	63.27	57.98	34.17
Total Non-Interest Expense	335.21	338.7	303.11	315.15	314.23	230.99
Pretax Income	184.38	142.82	89.24	82.83	210.32	210.79
Provision for Income Taxes	45.14	37.17	11.82	8.93	34.12	43.79
Net Income	139.24	105.64	77.42	73.9	176.21	167
Minority Interest in Earnings	-0.32	-0.23	-0.06	-	-	-
Net Income Attributable to Preferred Dividends	7.24	3.05	-	-	-	-
Net Income to Common	132.33	102.82	77.47	73.9	176.21	167
Net Income Growth	136.00%	32.72%	4.84%	-58.06%	5.52%	180.46%
Shares Outstanding (Basic)	46	46	45	44	44	43
Shares Outstanding (Diluted)	46	46	46	45	45	45
Shares Change (YoY)	1.06%	0.49%	1.61%	0.42%	-0.37%	7.90%
EPS (Basic)	2.88	2.25	1.72	1.67	4.02	3.87
EPS (Diluted)	2.84	2.23	1.69	1.64	3.92	3.71
EPS Growth	132.79%	31.95%	3.05%	-58.16%	5.66%	159.44%
Free Cash Flow	-	143.49	107.47	138.06	-344.5	-122.8
Free Cash Flow Growth	-	33.51%	-22.15%	-	-	-
Free Cash Flow Per Share	-	3.12	2.35	3.06	-7.67	-2.72
Dividends Per Share	0.120	0.120	0.120	0.120	0.120	0.120
Profit Margin	26.80%	21.94%	19.73%	18.57%	33.59%	37.80%
FCF Margin	-	29.80%	27.39%	34.69%	-65.67%	-27.80%
Effective Tax Rate	24.48%	26.03%	13.24%	10.78%	16.22%	20.78%

SEC Filings: 10-K · 10-Q