Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
32.80
-0.03 (-0.09%)
Dec 5, 2025, 4:00 PM EST - Market closed
Live Oak Bancshares Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 806.55 | 744.84 | 623.67 | 418.55 | 347.74 | 270.77 | Upgrade
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| Interest Income on Investments | 74.84 | 67.53 | 64.61 | 25.93 | 13.48 | 17.64 | Upgrade
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| Total Interest Income | 881.39 | 812.37 | 688.28 | 444.47 | 361.21 | 288.41 | Upgrade
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| Interest Paid on Deposits | 451.89 | 430.89 | 340.21 | 115.04 | 59.74 | 89.73 | Upgrade
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| Interest Paid on Borrowings | 6.78 | 5.58 | 2.76 | 1.94 | 4.69 | 3.96 | Upgrade
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| Total Interest Expense | 458.67 | 436.47 | 342.97 | 116.97 | 64.43 | 93.69 | Upgrade
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| Net Interest Income | 422.71 | 375.91 | 345.31 | 327.5 | 296.79 | 194.72 | Upgrade
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| Net Interest Income Growth (YoY) | 14.87% | 8.86% | 5.44% | 10.35% | 52.41% | 39.01% | Upgrade
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| Gain (Loss) on Sale of Assets | -9.1 | - | - | - | - | - | Upgrade
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| Gain (Loss) on Sale of Investments | -6.42 | 0.02 | -15.61 | -12.86 | 41.57 | 16.79 | Upgrade
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| Gain (Loss) on Sale of Equity Investments | -9.16 | -10.92 | -5.99 | 144.25 | -1.72 | -14.69 | Upgrade
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| Other Non-Interest Income | 64.82 | 70.85 | 75.69 | 46.1 | 45.63 | 47.51 | Upgrade
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| Total Non-Interest Income | 119.54 | 123.25 | 97.09 | 221.78 | 157.01 | 86 | Upgrade
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| Non-Interest Income Growth (YoY) | 9.30% | 26.95% | -56.22% | 41.25% | 82.57% | 36.69% | Upgrade
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| Revenues Before Loan Losses | 542.25 | 499.16 | 442.39 | 549.28 | 453.8 | 280.72 | Upgrade
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| Provision for Loan Losses | 108.04 | 96.21 | 51.32 | 40.94 | 15.21 | 40.66 | Upgrade
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| Revenue | 434.21 | 402.94 | 391.07 | 508.33 | 438.59 | 240.07 | Upgrade
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| Revenue Growth (YoY) | 7.02% | 3.04% | -23.07% | 15.90% | 82.70% | 27.84% | Upgrade
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| Salaries and Employee Benefits | 168.95 | 156.85 | 156.93 | 150.29 | 107.86 | 97.69 | Upgrade
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| Federal Deposit Insurance | 13.79 | 10.84 | 16.67 | 9.76 | 7.07 | 7.47 | Upgrade
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| Selling, General & Administrative | 122.78 | 116.36 | 102.68 | 105.96 | 88.96 | 67.98 | Upgrade
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| Other Non-Interest Expense | 34.55 | 29.67 | 31.96 | 32.01 | 23.91 | 18.26 | Upgrade
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| Total Non-Interest Expense | 340.07 | 313.71 | 308.24 | 298.01 | 227.8 | 191.41 | Upgrade
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| EBT Excluding Unusual Items | 94.14 | 89.24 | 82.83 | 210.32 | 210.79 | 48.65 | Upgrade
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| Asset Writedown | - | - | - | - | - | -1.26 | Upgrade
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| Pretax Income | 94.14 | 89.24 | 82.83 | 210.32 | 210.79 | 47.39 | Upgrade
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| Income Tax Expense | 24.77 | 11.82 | 8.93 | 34.12 | 43.79 | -12.15 | Upgrade
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| Earnings From Continuing Operations | 69.36 | 77.42 | 73.9 | 176.21 | 167 | 59.54 | Upgrade
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| Minority Interest in Earnings | 0.2 | 0.06 | - | - | - | - | Upgrade
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| Net Income | 69.56 | 77.47 | 73.9 | 176.21 | 167 | 59.54 | Upgrade
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| Net Income to Common | 68.61 | 77.47 | 73.9 | 176.21 | 167 | 59.54 | Upgrade
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| Net Income Growth | -16.93% | 4.84% | -58.06% | 5.52% | 180.46% | 230.17% | Upgrade
|
| Basic Shares Outstanding | 46 | 45 | 44 | 44 | 43 | 41 | Upgrade
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| Diluted Shares Outstanding | 46 | 46 | 45 | 45 | 45 | 42 | Upgrade
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| Shares Change (YoY) | 0.88% | 1.61% | 0.42% | -0.37% | 7.90% | 1.75% | Upgrade
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| EPS (Basic) | 1.51 | 1.72 | 1.67 | 4.02 | 3.87 | 1.46 | Upgrade
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| EPS (Diluted) | 1.49 | 1.69 | 1.64 | 3.92 | 3.71 | 1.43 | Upgrade
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| EPS Growth | -19.00% | 3.05% | -58.16% | 5.66% | 159.44% | 225.00% | Upgrade
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| Dividend Per Share | 0.120 | 0.120 | 0.120 | 0.120 | 0.120 | 0.120 | Upgrade
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| Effective Tax Rate | 26.31% | 13.24% | 10.78% | 16.22% | 20.78% | - | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.