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Live Oak Bancshares, Inc. LOB
NYSE · stock · State Commercial Banks · website · IPO 2015-07-23
Live Oak Bancshares, Inc. financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $343.0M | $117.0M | $64.4M | $93.7M | $87.9M | $54.6M | $25.4M | $14.6M |
| Income tax | $37.2M | $11.8M | $8.9M | $34.1M | $43.8M | -$12.2M | $5.4M | -$5.4M | -$2.2M | $3.4M |
| Net income | $105.9M | $77.5M | $73.9M | $176.2M | $167.0M | $59.5M | $18.0M | $51.4M | $100.5M | $13.8M |
| EPS (diluted) | $2.23 | $1.69 | $1.64 | $3.92 | $3.71 | $1.43 | $0.44 | $1.24 | $2.65 | $0.39 |
| Operating cash flow | $158.2M | $156.8M | $184.9M | $124.5M | -$119.7M | -$261.0M | -$482.5M | $6.3M | -$287.5M | -$221.9M |
| Free cash flow | $143.5M | $107.5M | $138.1M | $80.7M | -$122.8M | -$282.0M | -$519.7M | -$105.0M | -$411.7M | -$232.8M |
| Total assets | $15.1B | $12.9B | $11.3B | $9.9B | $8.2B | $7.9B | $4.8B | $3.7B | $2.8B | $1.8B |
| Total liabilities | $13.9B | $11.9B | $10.4B | $9.0B | $7.5B | $7.3B | $4.3B | $3.2B | $2.3B | $1.5B |
| Shareholders' equity | $1.3B | $1.0B | $902.7M | $811.0M | $715.1M | $567.9M | $532.4M | $493.6M | $436.9M | $222.8M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +36.7% | +4.8% | -58.1% | +5.5% | +180.5% | +230.2% | -64.9% | -48.8% | +629.7% | -33.2% |
| EPS growth | +32.0% | +3.0% | -58.2% | +5.7% | +159.4% | +225.0% | -64.5% | -53.2% | +579.5% | -40.0% |
| Free cash flow growth | +33.5% | -22.2% | +71.0% | — | — | — | — | — | — | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.