Live Oak Bancshares, Inc. financial data

Symbol
LOB on NYSE
Location
1741 Tiburon Drive, Wilmington, NC
Fiscal year end
December 31
Latest financial report
10-Q - Q3 2025 - Nov 17, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 1.18K % +3.46%
Return On Equity 6.46 % -26.7%
Return On Assets 0.51 % -28.2%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 45.9M shares +1.48%
Entity Public Float 1.2B USD +37.3%
Weighted Average Number of Shares Outstanding, Basic 45.8M shares +1.57%
Weighted Average Number of Shares Outstanding, Diluted 46.2M shares +0.57%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 94.1M USD +0.69%
Income Tax Expense (Benefit) 24.8M USD +154%
Net Income (Loss) Attributable to Parent 69.6M USD -16.9%
Earnings Per Share, Basic 1 USD/shares -19.8%
Earnings Per Share, Diluted 1 USD/shares -18.6%

Balance Sheet

Label TTM Value / Value Unit Change %
Property, Plant and Equipment, Net 241M USD -9.7%
Operating Lease, Right-of-Use Asset 2.11M USD -24.8%
Goodwill 1.8M USD 0%
Assets 14.7B USD +16.3%
Liabilities 13.5B USD +16.1%
Accumulated Other Comprehensive Income (Loss), Net of Tax -52.2M USD +14.8%
Retained Earnings (Accumulated Deficit) 771M USD +9.02%
Stockholders' Equity Attributable to Parent 1.2B USD +18.9%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest 1.2B USD +19.3%
Liabilities and Equity 14.7B USD +16.3%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities -33M USD -209%
Net Cash Provided by (Used in) Financing Activities 630M USD +211%
Net Cash Provided by (Used in) Investing Activities -461M USD -112%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect 135M USD +812%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 892M USD +33.9%
Interest Paid, Excluding Capitalized Interest, Operating Activities 112M USD +9.21%
Deferred Tax Assets, Gross 84.1M USD +22%
Operating Lease, Liability 2.64M USD -17.1%
Payments to Acquire Property, Plant, and Equipment 2.29M USD -89.4%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent 78.6M USD -44.2%
Lessee, Operating Lease, Liability, to be Paid 3.22M USD -16.7%
Property, Plant and Equipment, Gross 382M USD +7.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two 539K USD -5.6%
Lessee, Operating Lease, Liability, to be Paid, Year One 603K USD -16%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 pure 0%
Deferred Income Tax Expense (Benefit) -1.01M USD +85.4%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 579K USD -15%
Lessee, Operating Lease, Liability, to be Paid, Year Three 508K USD 0%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 1M shares 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four 333K USD -33.4%
Preferred Stock, Shares Outstanding 0 shares
Interest Expense 376M USD +119%