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Live Oak Bancshares Inc

LOB

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42.800USD

+0.370+0.87%

Close 07-31 16:00（ET）Quotes delayed by 15 min

1.98BMarket Cap

16.20P/E TTM

Live Oak Bancshares Inc

42.800

+0.370+0.87%

Financial Summary Income Statement Balance Sheet Cash Flow Statement

Overview

Financials

Discussions

Analysis

Company

Financial Summary Income Statement Balance Sheet Cash Flow Statement

LOB Income Statement

You can find the annual or quarterly income statement of Live Oak Bancshares Inc here for insights into the performance and operational efficiency of Live Oak Bancshares Inc.

Quarterly

Quarterly+Annual

Quarterly

Annual

YOY

Hide blank rows

FY2026Q1

FY2025Q4

FY2025Q3

FY2025Q2

FY2025Q1

FY2024Q4

FY2024Q3

FY2024Q2

FY2024Q1

FY2023Q4

FY2023Q3

FY2023Q2

FY2023Q1

FY2022Q4

FY2022Q3

FY2022Q2

FY2022Q1

FY2021Q4

FY2021Q3

FY2021Q2

FY2021Q1

FY2020Q4

FY2020Q3

FY2020Q2

FY2020Q1

FY2019Q4

FY2019Q3

FY2019Q2

FY2019Q1

FY2018Q4

FY2018Q3

FY2018Q2

FY2018Q1

FY2017Q4

FY2017Q3

FY2017Q2

FY2017Q1

FY2016Q4

FY2016Q3

FY2016Q2

FY2016Q1

FY2015Q4

FY2015Q3

FY2015Q2

FY2015Q1

FY2014Q4

FY2014Q3

FY2014Q2

FY2014Q1

Total revenue

13.77%141.40M

6.99%133.39M

15.70%142.63M

21.12%140.56M

10.97%124.29M

11.91%124.68M

-1.87%123.27M

8.98%116.05M

11.55%112.00M

10.45%111.41M

16.48%125.62M

26.81%106.49M

-7.07%100.41M

-2.97%100.87M

7.87%107.85M

-12.48%83.98M

9.63%108.05M

32.83%103.96M

22.71%99.98M

59.40%95.96M

111.70%98.56M

41.51%78.27M

52.64%81.47M

22.91%60.20M

9.32%46.55M

52.16%55.31M

5.88%53.38M

-12.46%48.98M

-19.93%42.59M

-22.99%36.35M

16.55%50.41M

29.54%55.95M

33.15%53.19M

26.78%47.20M

20.47%43.25M

54.53%43.19M

33.63%39.95M

17.40%37.23M

52.08%35.90M

21.92%27.95M

21.47%29.89M

59.89%31.71M

16.69%23.61M

17.69%22.92M

56.82%24.61M

--19.84M

--20.23M

--19.48M

--15.69M

Operating expenses

-7.74%100.50M

-7.15%99.86M

-0.53%104.27M

37.27%107.37M

27.76%108.94M

36.11%107.55M

29.36%104.83M

-8.61%78.22M

-9.14%85.27M

-12.94%79.02M

-5.49%81.04M

3.96%85.58M

49.00%93.85M

52.87%90.76M

54.18%85.75M

33.29%82.32M

26.31%62.98M

21.99%59.37M

45.62%55.61M

43.94%61.76M

4.76%49.87M

8.93%48.67M

-20.58%38.19M

4.54%42.91M

25.31%47.60M

55.67%44.67M

31.11%48.09M

-0.39%41.04M

-6.02%37.99M

-23.53%28.70M

3.47%36.68M

24.91%41.20M

22.35%40.42M

18.97%37.53M

18.70%35.45M

20.97%32.99M

50.88%33.03M

40.34%31.55M

61.58%29.86M

68.09%27.27M

45.65%21.89M

39.31%22.48M

37.55%18.48M

39.75%16.22M

4.40%15.03M

--16.14M

--13.44M

--11.61M

--14.40M

Depreciation, depletion, and amortization

-0.49%6.94M

49.87%9.97M

5.79%6.67M

26.97%6.78M

40.01%6.97M

24.78%6.65M

14.80%6.31M

1.69%5.34M

-4.08%4.98M

3.43%5.33M

8.30%5.49M

2.06%5.25M

-3.92%5.19M

-5.83%5.15M

-4.79%5.07M

-2.89%5.15M

2.66%5.41M

6.40%5.47M

-0.43%5.33M

-4.88%5.30M

-6.33%5.26M

-9.20%5.14M

2.86%5.35M

9.99%5.57M

39.34%5.62M

29.40%5.66M

24.27%5.20M

25.51%5.07M

6.55%4.03M

34.31%4.38M

41.51%4.19M

71.50%4.04M

121.66%3.79M

207.74%3.26M

170.88%2.96M

125.48%2.35M

60.38%1.71M

-30.24%1.06M

21.88%1.09M

77.55%1.04M

145.96%1.06M

177.51%1.52M

43.36%896.00K

13.29%588.00K

-7.48%433.00K

--547.00K

--625.00K

--519.00K

--468.00K

Other operating expenses

11.98%17.92M

87.77%28.21M

50.88%17.24M

222.80%19.06M

92.79%16.00M

16.11%15.03M

-21.77%11.43M

-61.88%5.90M

-52.25%8.30M

-1.08%12.94M

1.99%14.60M

-0.58%15.49M

72.38%17.38M

46.17%13.08M

63.03%14.32M

79.98%15.58M

29.84%10.08M

-2.36%8.95M

61.22%8.78M

175.11%8.65M

4.90%7.76M

31.55%9.16M

-15.36%5.45M

-32.73%3.15M

116.43%7.40M

75.05%6.97M

-0.03%6.44M

-30.12%4.68M

-43.75%3.42M

-29.64%3.98M

18.95%6.44M

37.66%6.69M

5.45%6.08M

20.21%5.66M

100.70%5.41M

119.90%4.86M

141.46%5.77M

71.44%4.71M

21.98%2.70M

21.08%2.21M

75.07%2.39M

-19.85%2.75M

43.39%2.21M

10.40%1.83M

23.77%1.36M

--3.42M

--1.54M

--1.65M

--1.10M

Operating profit

166.42%40.90M

95.79%33.53M

108.03%38.36M

-12.29%33.18M

-42.57%15.35M

-47.13%17.13M

-58.63%18.44M

80.96%37.83M

307.67%26.73M

220.34%32.40M

101.69%44.58M

1162.50%20.91M

-85.45%6.56M

-77.32%10.11M

-50.18%22.10M

-95.16%1.66M

-7.45%45.06M

50.64%44.59M

2.50%44.37M

97.76%34.19M

4754.97%48.69M

178.34%29.60M

718.82%43.28M

117.91%17.29M

-122.74%-1.05M

38.97%10.63M

-61.51%5.29M

-46.18%7.94M

-63.97%4.60M

-20.91%7.65M

76.01%13.73M

44.51%14.74M

84.78%12.77M

70.11%9.68M

29.21%7.80M

1400.44%10.20M

-13.59%6.91M

-38.42%5.69M

17.81%6.04M

-89.85%680.00K

-16.48%8.00M

149.58%9.24M

-24.56%5.13M

-14.84%6.70M

641.10%9.57M

--3.70M

--6.79M

--7.87M

--1.29M

Net non-operating interest income (expenses)

Return on equity

63.18%-817.00K

1145.21%28.50M

-200.00%-1.45M

-6.60%-1.71M

60.03%-2.22M

-709.20%-2.73M

73.36%-484.00K

16.96%-1.61M

-93.08%-5.55M

64.53%-337.00K

-106.05%-1.82M

-101.60%-1.93M

-32.61%-2.88M

-129.81%-950.00K

2894.41%30.01M

187.58%120.71M

-106.08%-2.17M

136.92%3.19M

-107.97%-1.07M

2116.09%41.98M

58.62%-1.05M

-402.44%-8.63M

1280.53%13.47M

-19.93%-2.08M

-33.02%-2.54M

-893.06%-1.72M

--976.00K

---1.74M

---1.91M

-100.25%-173.00K

----

--68.00M

--0.00

----

--0.00

-100.00%0.00

100.00%0.00

477.87%3.76M

--158.00K

---177.00K

---1.21M

---994.00K

Special income (expenses)

--0.00

88.99%-129.00K

-192.17%-336.00K

-58.82%-270.00K

-100.00%0.00

92.23%-1.17M

---115.00K

---170.00K

1443.48%927.00K

-78.48%-15.07M

100.00%0.00

---69.00K

---8.45M

-12768.33%-7.72M

---50.00K

100.00%0.00

99.47%-60.00K

100.00%0.00

65.82%-4.03M

---8.93M

---11.27M

-1554.15%-9.96M

---11.79M

--0.00

100.00%0.00

---602.00K

----

100.00%0.00

---2.68M

----

-35.69%-4.34M

----

---3.20M

----

--0.00

----

--0.00

----

Other non-operating income (expenses)

----

--499.00K

----

Income before tax

205.22%40.08M

367.98%61.91M

104.99%36.57M

-13.47%31.20M

-40.60%13.13M

-24.34%13.23M

-58.28%17.84M

90.05%36.06M

511.87%22.11M

2338.49%17.48M

-3.68%42.76M

-84.49%18.97M

-91.58%3.61M

-98.50%717.00K

2.68%44.39M

60.59%122.32M

-1.63%42.90M

296.99%47.78M

-4.95%43.23M

1350.56%76.17M

383.54%43.61M

34.97%12.04M

626.33%45.48M

-6.18%5.25M

-671.96%-15.38M

19.21%8.92M

-43.35%6.26M

-62.04%5.60M

-78.94%2.69M

-89.80%7.48M

41.66%11.05M

44.51%14.74M

84.78%12.77M

2844.12%73.34M

29.21%7.80M

1400.44%10.20M

-13.59%6.91M

-73.03%2.49M

17.81%6.04M

-89.85%680.00K

-40.01%8.00M

139.36%9.24M

-22.54%5.13M

0.60%6.70M

4373.49%13.33M

--3.86M

--6.62M

--6.66M

--298.00K

Income tax

192.55%10.13M

366.24%15.79M

109.84%10.11M

-14.07%7.82M

163.22%3.46M

156.32%3.39M

62.32%4.82M

536.46%9.10M

-270.42%-5.48M

222.88%1.32M

94.56%2.97M

-94.35%1.43M

-61.67%3.21M

-106.10%-1.07M

-83.77%1.52M

100.83%25.28M

100.62%8.39M

200.44%17.63M

-19.73%9.39M

753.93%12.59M

202.53%4.18M

-941.87%-17.55M

394.42%11.70M

122.66%1.47M

-1386.44%-4.08M

164.07%2.08M

174.02%2.37M

34.83%662.00K

0.63%317.00K

-115.85%-3.25M

36.79%-3.20M

20.34%491.00K

-60.53%315.00K

786.82%20.53M

-297.54%-5.06M

-26.75%408.00K

-75.92%798.00K

-184.84%-2.99M

14.95%2.56M

-79.86%557.00K

-37.21%3.31M

149.68%3.52M

-62.72%2.23M

--2.77M

--5.28M

--1.41M

--5.98M

--0.00

Income after tax

209.75%29.95M

368.58%46.12M

103.19%26.47M

-13.26%23.39M

-64.95%9.67M

-39.10%9.84M

-67.27%13.03M

53.69%26.96M

6831.16%27.59M

801.95%16.16M

-7.17%39.79M

-81.92%17.54M

-98.85%398.00K

-94.06%1.79M

26.68%42.87M

52.62%97.04M

-12.47%34.51M

1.89%30.15M

0.17%33.84M

1583.40%63.58M

448.85%39.43M

333.08%29.59M

767.27%33.78M

-23.47%3.78M

-576.48%-11.30M

-36.35%6.83M

-72.67%3.90M

-65.38%4.94M

-80.95%2.37M

-79.67%10.73M

10.81%14.25M

45.51%14.25M

103.75%12.45M

863.67%52.81M

269.81%12.86M

7863.41%9.79M

30.51%6.11M

-4.10%5.48M

20.01%3.48M

-96.87%123.00K

-41.85%4.68M

133.42%5.71M

352.11%2.90M

-40.92%3.94M

2602.35%8.05M

--2.45M

--641.00K

--6.66M

--298.00K

Net income from continuous operations

209.75%29.95M

368.58%46.12M

103.19%26.47M

-13.26%23.39M

-64.95%9.67M

-39.10%9.84M

-67.27%13.03M

53.69%26.96M

6831.16%27.59M

801.95%16.16M

-7.17%39.79M

-81.92%17.54M

-98.85%398.00K

-94.06%1.79M

26.68%42.87M

52.62%97.04M

-12.47%34.51M

1.89%30.15M

0.17%33.84M

1583.40%63.58M

448.85%39.43M

333.08%29.59M

767.27%33.78M

-23.47%3.78M

-576.48%-11.30M

-36.35%6.83M

-72.67%3.90M

-65.38%4.94M

-80.95%2.37M

-79.67%10.73M

10.81%14.25M

45.51%14.25M

103.75%12.45M

863.67%52.81M

269.81%12.86M

7863.41%9.79M

30.51%6.11M

-4.10%5.48M

20.01%3.48M

-96.87%123.00K

-41.85%4.68M

133.42%5.71M

352.11%2.90M

-40.92%3.94M

2602.35%8.05M

--2.45M

--641.00K

--6.66M

--298.00K

Non-recurring net income

----

--0.00

--3.70M

----

-101.29%-244.00K

----

--18.92M

----

Other net gains and losses

----

--37.17M

----

Net Income attributable to non-controlling interests

-89.80%-93.00K

-54.39%-88.00K

---50.00K

---41.00K

---49.00K

---57.00K

----

--0.00

100.00%0.00

--0.00

100.00%0.00

66.67%-1.00K

--0.00

60.00%-8.00K

---1.00K

---3.00K

--0.00

---20.00K

--0.00

Net income attributable to controlling interests

187.60%27.95M

345.62%44.12M

96.25%25.56M

-13.11%23.43M

-64.78%9.72M

-38.75%9.90M

-67.27%13.03M

53.69%26.96M

6831.16%27.59M

801.95%16.16M

-7.17%39.79M

-81.92%17.54M

-98.85%398.00K

-94.06%1.79M

26.68%42.87M

52.62%97.04M

-12.47%34.51M

1.89%30.15M

0.17%33.84M

1583.40%63.58M

618.64%39.43M

333.08%29.59M

767.27%33.78M

-23.47%3.78M

-420.49%-7.60M

-34.87%6.83M

-72.67%3.90M

-65.38%4.94M

-80.95%2.37M

-85.38%10.49M

10.81%14.25M

45.51%14.25M

103.75%12.45M

1208.94%71.73M

269.70%12.86M

7863.41%9.79M

30.29%6.11M

-4.11%5.48M

19.92%3.48M

-96.87%123.00K

-41.89%4.69M

133.46%5.71M

352.57%2.90M

-40.92%3.94M

2609.06%8.07M

--2.45M

--641.00K

--6.66M

--298.00K

Preferred share dividend

--2.09M

--954.00K

----

Net income attributable to common shareholders

187.60%27.95M

345.62%44.12M

96.25%25.56M

-13.11%23.43M

-64.78%9.72M

-38.75%9.90M

-67.27%13.03M

53.69%26.96M

6831.16%27.59M

801.95%16.16M

-7.17%39.79M

-81.92%17.54M

-98.85%398.00K

-94.06%1.79M

26.68%42.87M

52.62%97.04M

-12.47%34.51M

1.89%30.15M

0.17%33.84M

1583.40%63.58M

618.64%39.43M

333.08%29.59M

767.27%33.78M

-23.47%3.78M

-420.49%-7.60M

-34.87%6.83M

-72.67%3.90M

-65.38%4.94M

-80.95%2.37M

-85.38%10.49M

10.81%14.25M

45.51%14.25M

103.75%12.45M

1208.94%71.73M

269.70%12.86M

7863.41%9.79M

30.29%6.11M

-4.11%5.48M

19.92%3.48M

-96.87%123.00K

-41.89%4.69M

133.46%5.71M

352.57%2.90M

-40.92%3.94M

2609.06%8.07M

--2.45M

--641.00K

--6.66M

--298.00K

Basic earnings per share

182.87%0.61

338.99%0.96

93.22%0.56

-14.37%0.51

-65.25%0.21

-39.71%0.22

-67.75%0.29

51.48%0.60

6739.96%0.62

791.60%0.36

-8.21%0.90

-82.13%0.40

-98.86%0.01

-94.13%0.04

24.99%0.98

50.35%2.21

-14.53%0.79

-3.19%0.69

-6.27%0.78

1479.49%1.47

590.20%0.92

322.25%0.72

760.83%0.83

-24.05%0.09

-419.13%-0.19

-35.10%0.17

-72.75%0.10

-65.52%0.12

-81.06%0.06

-85.46%0.26

3.20%0.36

25.85%0.36

75.89%0.31

1022.67%1.80

238.47%0.34

7759.44%0.28

29.19%0.18

-4.20%0.16

15.07%0.10

-97.38%0.00

-44.48%0.14

95.59%0.17

253.38%0.09

-56.26%0.14

2607.78%0.25

--0.09

--0.03

--0.31

--0.01

Diluted earnings per share

182.94%0.60

344.27%0.95

95.13%0.55

-13.62%0.51

-64.86%0.21

-39.88%0.21

-67.76%0.28

51.36%0.59

6729.49%0.60

859.21%0.36

-9.95%0.88

-81.93%0.39

-98.84%0.01

-94.39%0.04

29.93%0.98

53.50%2.17

-13.50%0.76

-2.90%0.66

-7.59%0.75

1436.18%1.41

568.01%0.88

311.50%0.68

758.14%0.81

-23.69%0.09

-425.19%-0.19

-35.11%0.17

-72.29%0.09

-64.85%0.12

-80.73%0.06

-85.30%0.26

2.72%0.34

25.66%0.34

75.43%0.30

1021.35%1.74

234.87%0.33

7708.60%0.27

27.76%0.17

-4.75%0.16

16.20%0.10

-97.38%0.00

-45.72%0.13

96.84%0.16

250.10%0.09

-57.54%0.13

2607.78%0.25

--0.08

--0.02

--0.31

--0.01

Dividend per share

--0.00

Currency unit

--USD

Audit opinions

----

FAQs

How do I read Live Oak Bancshares Inc's income statement on TradingKey?



Start with total revenue, then review cost of revenue, gross profit, operating expenses, operating profit, income before tax, net income, and EPS. Revenue shows the scale of the business, while margins and profit lines show whether that revenue is being converted into earnings efficiently.

What is the difference between quarterly and annual income statements?

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A quarterly income statement shows performance for a three-month fiscal period, while an annual income statement summarizes the full fiscal year. Quarterly data is useful for tracking recent momentum and seasonality, while annual data is better for judging long-term growth, profitability, and business cycles.

What does YOY mean on the income statement page?

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YOY means year over year. It compares a financial metric with the same period in the previous year, such as this quarter's revenue versus revenue in the same quarter last year. YOY comparison helps investors see growth trends while reducing the impact of normal seasonal changes.

Which income statement metrics matter most when analyzing LOB stock?

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Important metrics include revenue growth, gross profit, gross margin, operating profit, operating margin, net income, EPS, R&D expenses, SG&A expenses, and tax expense. Investors usually look at these together to judge whether the company is growing, controlling costs, and improving profitability.

What was Live Oak Bancshares Inc's revenue at year end?

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Live Oak Bancshares Inc reported 540.87M in revenue for fiscal year 2025, up from 476.00M in the previous year.

How much revenue did Live Oak Bancshares Inc report in the most recent quarter?

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Live Oak Bancshares Inc reported 141.40M in revenue for the most recent quarter, an increase of 13.77% year over year.

What was Live Oak Bancshares Inc's net income for the year?

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Live Oak Bancshares Inc posted 102.82M in net income for fiscal year 2025.

How much net income did Live Oak Bancshares Inc post in the last quarter?

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Live Oak Bancshares Inc reported 27.95M in net income for the latest quarter。

What was Live Oak Bancshares Inc's annual operating profit?

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Live Oak Bancshares Inc's operating income was 120.43M for fiscal year 2025.

How is EPS related to the income statement?

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EPS, or earnings per share, is based on net income divided by the number of shares outstanding. It helps investors understand how much profit the company generated for each share, but it should be reviewed alongside share count changes, margins, cash flow, and valuation metrics.