LOB
Live Oak Bancshares, Inc.
NYSE · USFinancial ServicesBanks - Regional
$41.63-2.00%
Price as of Jul 20, 2026
LOB financials
Live Oak Bancshares, Inc. financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $1.0B | $929.3M | $776.6M | $508.8M |
| Cost of revenue | $538.2M | $532.7M | $394.3M | $157.9M |
| Gross profit | $503.0M | $396.6M | $382.3M | $350.9M |
| Operating expenses | $342.0M | $307.4M | $299.4M | $140.6M |
| Operating income | $161.0M | $89.2M | $82.8M | $210.3M |
| Net income | $103.8M | $77.5M | $73.9M | $176.2M |
| EBITDA | $185.1M | $112.5M | $104.1M | $231.1M |
| Basic EPS | $2.24 | $1.72 | $1.67 | $4.02 |
| Diluted EPS | $2.22 | $1.69 | $1.64 | $3.92 |
| Balance sheet | ||||
| Cash & equivalents | $865.2M | $609.0M | $582.8M | $284.2M |
| Total assets | $15.1B | $12.9B | $11.3B | $9.9B |
| Total liabilities | $13.9B | $11.9B | $10.4B | $9.0B |
| Stockholders’ equity | $1.2B | $999.0M | $902.7M | $811.0M |
| Total debt | $102.4M | $112.8M | $23.4M | $83.2M |
| Net debt | -$762.8M | -$496.2M | -$559.4M | -$201.0M |
| Cash flow | ||||
| Operating cash flow | $158.2M | $536.5M | $620.1M | $124.5M |
| Capital expenditure | -$14.8M | -$49.3M | -$46.8M | -$43.8M |
| Free cash flow | $143.5M | $487.2M | $573.2M | $80.7M |
| Dividends paid | -$8.5M | -$5.4M | -$5.3M | -$5.3M |
| Share repurchases | $0.00 | $0.00 | $0.00 | $0.00 |