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Live Oak Bancshares, Inc.
CIK 1462120Updated Sep 25, 2026
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Live Oak Bancshares, Inc. Announces Date of Second Quarter 2026 Financial Results ↗
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Live Oak Bancshares, Inc. - LOB News provided by Pomerantz LLP Jan 08, 2026, 10:00 ET Share this article Share to X Share this article Share to X NEW YORK , Jan. 8, 2026 /PRNewswire/ -- Pomerantz LLP is investigating cl ↗
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Live Oak Bancshares, Inc. - LOB News provided by Pomerantz LLP Jan 01, 2026, 10:00 ET Share this article Share to X Share this article Share to X NEW YORK , Jan. 1, 2026 /PRNewswire/ -- Pomerantz LLP is investigating cl ↗
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Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 15,134,778,000Source | 12,943,380,000Source | 11,271,423,000Source | 9,855,498,000Source |
| Property, Plant and Equipment, NetUSD | 240,203,000Source | 264,059,000Source | 257,881,000Source | 263,290,000Source |
| GoodwillUSD | — | 1,800,000Source | 1,800,000Source | — |
| Operating Lease, Right-of-Use AssetUSD | 1,655,000Source | 2,106,000Source | 2,799,000Source | 2,118,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 13,880,672,000Source | 11,939,884,000Source | 10,368,757,000Source | 9,044,465,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | — | 0Source | 0Source | 0Source |
| Retained Earnings (Accumulated Deficit)USD | 809,885,000Source | 715,767,000Source | 642,817,000Source | 572,497,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -44,672,000Source | -82,344,000Source | -84,719,000Source | -92,318,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,249,868,000Source | 999,030,000Source | 902,666,000Source | 811,033,000Source |
| Liabilities and EquityUSD | 15,134,778,000Source | 12,943,380,000Source | 11,271,423,000Source | 9,855,498,000Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 4,238,000Source | 4,466,000Source | — | — |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | — | — | — | 13,375,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 105,643,000Source | 77,417,000Source | 73,898,000Source | 176,208,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation and amortization | — | — | — | — |
| Deferred Income Tax Expense (Benefit)USD | -12,368,000Source | -11,420,000Source | -22,161,000Source | 27,129,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 158,242,000Source | 145,651,000Source | 620,071,000Source | 124,485,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -1,904,190,000Source | -1,688,284,000Source | -1,774,922,000Source | -1,442,344,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 14,756,000Source | 49,307,000Source | 46,839,000Source | 43,751,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 7,625,000Source | 8,926,000Source | 6,725,000Source | 4,972,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 2,002,052,000Source | 1,568,893,000Source | 1,320,755,000Source | 1,530,745,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 5,488,000Source | 5,405,000Source | 5,326,000Source | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 256,104,000Source | 26,260,000Source | 165,904,000Source | 212,886,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 864,904,000Source | 608,800,000Source | 582,540,000Source | 416,636,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 460,584,000Source | 436,847,000Source | 342,766,000Source | 117,516,000Source |
| Income Taxes Paid, NetUSD | 26,594,000Source | 38,907,000Source | 5,303,000Source | 24,708,000Source |
| Additional Financial Items | ||||
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | 0Source |
| DepreciationUSD | 30,000,000Source | 23,400,000Source | 21,100,000Source | 20,600,000Source |
| Equipment ExpenseUSD | 14,427,000Source | 13,826,000Source | 14,997,000Source | 15,120,000Source |
| Equity Method Investment, Other than Temporary ImpairmentUSD | 735,000Source | 530,000Source | 14,644,000Source | 16,217,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 5,733,000Source | 553,000Source | -969,000Source | 3,355,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 2,227,000Source | 0Source | 0Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | 1,216,000Source | 2,403,000Source | -3,539,000Source | 1,046,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 93,522,000Source | 88,368,000Source | 51,323,000Source | 40,943,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | 0Source | — | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | -3,766,000Source | -113,000Source | -377,000Source | -31,000Source |
| Gain (Loss) on Sale of Assets and Asset Impairment ChargesUSD | -84,000Source | — | — | — |
| Gain (Loss) on Sales of Loans, NetUSD | 62,420,000Source | 60,899,000Source | 46,545,000Source | 43,244,000Source |
| GoodwillUSD | — | 1,800,000Source | 1,800,000Source | — |
| Goodwill and Intangible Asset ImpairmentUSD | 0Source | 0Source | 0Source | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | 17,387,000Source | -10,921,000Source | -5,994,000Source | 144,250,000Source |
| Income Tax Expense (Benefit)USD | 37,172,000Source | 11,818,000Source | 8,932,000Source | 34,116,000Source |
| Net Income (Loss) Attributable to ParentUSD | 105,871,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | -228,000Source | -57,000Source | — | — |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 102,823,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Operating Lease, Lease IncomeUSD | 9,500,000Source | 9,400,000Source | 9,500,000Source | 9,500,000Source |
| Other Interest and Dividend IncomeUSD | 30,301,000Source | 29,118,000Source | 31,111,000Source | 6,261,000Source |
| Proceeds from Noncontrolling InterestsUSD | 0Source | 4,523,000Source | — | — |
| Proceeds from Stock Options ExercisedUSD | 2,976,000Source | 2,311,000Source | 1,168,000Source | 2,118,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 96,303,000Source | 96,212,000Source | 51,323,000Source | 40,943,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 96,303,000Source | 96,212,000Source | 51,323,000Source | 40,943,000Source |
| Stock or Unit Option Plan ExpenseUSD | 0Source | 0Source | 272,000Source | 942,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 142,815,000Source | 89,235,000Source | 82,830,000Source | 210,324,000Source |
| Income Tax Expense (Benefit)USD | 37,172,000Source | 11,818,000Source | 8,932,000Source | 34,116,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | -228,000Source | -57,000Source | — | — |
| Net Income (Loss) Attributable to ParentUSD | 105,871,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Earnings Per Share, BasicUSD per share | 2.25Source | 1.72Source | 1.67Source | 4.02Source |
| Earnings Per Share, DilutedUSD per share | 2.23Source | 1.69Source | 1.64Source | 3.92Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 45,701,364Source | 45,009,567Source | 44,353,708Source | 43,862,291Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 46,042,790Source | 45,820,321Source | 45,094,879Source | 44,906,310Source |
| Additional Financial Items | ||||
| Current Income Tax Expense (Benefit)USD | 49,540,000Source | 23,238,000Source | 31,093,000Source | 6,987,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 30,398,000Source | 23,282,000Source | 21,271,000Source | 20,779,000Source |
| Equipment ExpenseUSD | 14,427,000Source | 13,826,000Source | 14,997,000Source | 15,120,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | 5,733,000Source | 553,000Source | -969,000Source | 3,355,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 2,227,000Source | 0Source | 0Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | 1,216,000Source | 2,403,000Source | -3,539,000Source | 1,046,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | 93,522,000Source | 88,368,000Source | 51,323,000Source | 40,943,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | 17,387,000Source | -10,921,000Source | -5,994,000Source | 144,250,000Source |
| Interest ExpenseUSD | — | — | 342,970,000Source | 116,972,000Source |
| InterestExpenseOperatingUSD | 460,114,000Source | 436,467,000Source | — | — |
| Interest Income (Expense), NetUSD | 448,358,000Source | 375,905,000Source | 345,305,000Source | 327,501,000Source |
| Labor and Related ExpenseUSD | 189,435,000Source | 183,268,000Source | 175,052,000Source | 170,822,000Source |
| Marketing and Advertising ExpenseUSD | 12,222,000Source | 11,148,000Source | 12,559,000Source | 10,543,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 102,823,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Operating Lease, Lease IncomeUSD | 9,500,000Source | 9,400,000Source | 9,500,000Source | 9,500,000Source |
| Other Interest and Dividend IncomeUSD | 30,301,000Source | 29,118,000Source | 31,111,000Source | 6,261,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | 3,048,000Source | — | — | — |
Filing attachments
lob-ex41toclosing8xkxexecu.htm · 8-K · 2025-08-04
EX-4.1 2 lob-ex41toclosing8xkxexecu.htm EX-4.1 Document Exhibit 4.1 DEPOSIT AGREEMENT among LIVE OAK BANCSHARES, INC. and BROADRIDGE CORPORATE ISSUER SOLUTIONS, LLC, as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of August 4, 2025 TABLE OF CONTENTS Page Article I DEFINED TERMS 1 Section 1.1 Definitions 1 Article II FORM OF RECEIPTS, DEPOSIT OF SERIES A PREFERRED STOCK, EXECUTION AND DELIVERY, TRANSFER, SURRENDER AND REDEM…
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