Live Oak Bancshares, Inc. financial data

Symbol
LOB, LOB-PA on NYSE
Location
Wilmington, NC
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 27 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1161% % 0.42%
Return On Equity 9.3% % 17%
Return On Assets 0.74% % 17%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 46,219,604 shares 1.4%
Entity Public Float $1,054,284,376 USD -12%
Weighted Average Number of Shares Outstanding, Basic 45,701,364 shares 1.5%
Weighted Average Number of Shares Outstanding, Diluted 46,042,790 shares 0.49%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $142,815,000 USD 60%
Income Tax Expense (Benefit) $37,172,000 USD 215%
Net Income (Loss) Attributable to Parent $105,871,000 USD 37%
Earnings Per Share, Basic 2.25 USD/shares 31%
Earnings Per Share, Diluted 2.23 USD/shares 32%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net $240,203,000 USD -9%
Operating Lease, Right-of-Use Asset $1,655,000 USD -21%
Goodwill $1,800,000 USD 0%
Assets $15,134,778,000 USD 17%
Liabilities $13,880,672,000 USD 16%
Accumulated Other Comprehensive Income (Loss), Net of Tax $44,672,000 USD 46%
Retained Earnings (Accumulated Deficit) $809,885,000 USD 13%
Stockholders' Equity Attributable to Parent $1,249,868,000 USD 25%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,254,106,000 USD 25%
Liabilities and Equity $15,134,778,000 USD 17%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $32,977,000 USD -209%
Net Cash Provided by (Used in) Financing Activities $629,750,000 USD 211%
Net Cash Provided by (Used in) Investing Activities $461,310,000 USD -112%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $135,463,000 USD 812%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $864,904,000 USD 42%
Interest Paid, Excluding Capitalized Interest, Operating Activities $112,098,000 USD 9.2%
Deferred Tax Assets, Gross $76,496,000 USD -9.1%
Operating Lease, Liability $2,161,000 USD -18%
Payments to Acquire Property, Plant, and Equipment $2,294,000 USD -89%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $143,532,000 USD 80%
Lessee, Operating Lease, Liability, to be Paid $2,678,000 USD -17%
Property, Plant and Equipment, Gross $374,073,000 USD -2.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $510,000 USD -5.4%
Lessee, Operating Lease, Liability, to be Paid, Year One $542,000 USD -10%
Operating Lease, Weighted Average Discount Rate, Percent 0.0383 pure 1.9%
Deferred Income Tax Expense (Benefit) $1,009,000 USD 85%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $517,000 USD -11%
Lessee, Operating Lease, Liability, to be Paid, Year Three $336,000 USD -34%
Lessee, Operating Lease, Liability, to be Paid, Year Four $212,000 USD -36%
Interest Expense $375,880,000 USD 119%