Live Oak Bancshares, Inc. (LOB)
NYSE: LOB · Real-Time Price · USD
38.78
+0.93 (2.46%)
At close: Apr 28, 2026, 4:00 PM EDT
38.79
+0.01 (0.03%)
After-hours: Apr 28, 2026, 7:00 PM EDT
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 849.09 | 830.58 | 744.84 | 623.67 | 418.55 | 347.74 | Upgrade
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| Interest Income on Investments | 80.14 | 77.89 | 67.53 | 64.61 | 25.93 | 13.48 | Upgrade
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| Total Interest Income | 929.23 | 908.47 | 812.37 | 688.28 | 444.47 | 361.21 | Upgrade
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| Interest Paid on Deposits | 455.37 | 453.41 | 430.89 | 340.21 | 115.04 | 59.74 | Upgrade
|
| Interest Paid on Borrowings | 6.63 | 6.7 | 5.58 | 2.76 | 1.94 | 4.69 | Upgrade
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| Total Interest Expense | 462.01 | 460.11 | 436.47 | 342.97 | 116.97 | 64.43 | Upgrade
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| Net Interest Income | 467.23 | 448.36 | 375.91 | 345.31 | 327.5 | 296.79 | Upgrade
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| Net Interest Income Growth (YoY) | 20.94% | 19.27% | 8.86% | 5.44% | 10.35% | 52.41% | Upgrade
|
| Gain (Loss) on Sale of Investments | 4.98 | 5 | 0.02 | -15.61 | -12.86 | 41.57 | Upgrade
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| Gain (Loss) on Sale of Equity Investments | 18.81 | 17.39 | -10.92 | -5.99 | 144.25 | -1.72 | Upgrade
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| Other Non-Interest Income | 45.15 | 42.7 | 70.85 | 75.69 | 46.1 | 45.63 | Upgrade
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| Total Non-Interest Income | 132.43 | 128.72 | 112.12 | 89.36 | 221.78 | 157.01 | Upgrade
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| Non-Interest Income Growth (YoY) | 8.72% | 14.81% | 25.48% | -59.71% | 41.25% | 82.57% | Upgrade
|
| Revenues Before Loan Losses | 599.65 | 577.08 | 488.03 | 434.66 | 549.28 | 453.8 | Upgrade
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| Provision for Loan Losses | 87.44 | 96.3 | 96.21 | 51.32 | 40.94 | 15.21 | Upgrade
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| Revenue | 512.21 | 480.78 | 391.82 | 383.34 | 508.33 | 438.59 | Upgrade
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| Revenue Growth (YoY) | 28.27% | 22.71% | 2.21% | -24.59% | 15.90% | 82.70% | Upgrade
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| Salaries and Employee Benefits | 166.87 | 163.04 | 148.29 | 150.97 | 150.29 | 107.86 | Upgrade
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| Federal Deposit Insurance | 15.52 | 14.67 | 10.84 | 16.67 | 9.76 | 7.07 | Upgrade
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| Selling, General & Administrative | 121.93 | 123.54 | 113.8 | 100.91 | 105.96 | 88.96 | Upgrade
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| Other Non-Interest Expense | 35.33 | 33.91 | 29.67 | 31.96 | 32.01 | 23.91 | Upgrade
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| Total Non-Interest Expense | 339.65 | 335.16 | 302.58 | 300.51 | 298.01 | 227.8 | Upgrade
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| EBT Excluding Unusual Items | 172.56 | 145.62 | 89.24 | 82.83 | 210.32 | 210.79 | Upgrade
|
| Other Unusual Items | -2.8 | -2.8 | - | - | - | - | Upgrade
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| Pretax Income | 169.76 | 142.82 | 89.24 | 82.83 | 210.32 | 210.79 | Upgrade
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| Income Tax Expense | 43.84 | 37.17 | 11.82 | 8.93 | 34.12 | 43.79 | Upgrade
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| Earnings From Continuing Operations | 125.92 | 105.64 | 77.42 | 73.9 | 176.21 | 167 | Upgrade
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| Minority Interest in Earnings | 0.27 | 0.23 | 0.06 | - | - | - | Upgrade
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| Net Income | 126.19 | 105.87 | 77.47 | 73.9 | 176.21 | 167 | Upgrade
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| Preferred Dividends & Other Adjustments | 5.14 | 3.05 | - | - | - | - | Upgrade
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| Net Income to Common | 121.05 | 102.82 | 77.47 | 73.9 | 176.21 | 167 | Upgrade
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| Net Income Growth | 111.72% | 36.65% | 4.84% | -58.06% | 5.52% | 180.46% | Upgrade
|
| Basic Shares Outstanding | 46 | 46 | 45 | 44 | 44 | 43 | Upgrade
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| Diluted Shares Outstanding | 46 | 46 | 46 | 45 | 45 | 45 | Upgrade
|
| Shares Change (YoY) | 0.83% | 0.49% | 1.61% | 0.42% | -0.37% | 7.90% | Upgrade
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| EPS (Basic) | 2.64 | 2.25 | 1.72 | 1.67 | 4.02 | 3.87 | Upgrade
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| EPS (Diluted) | 2.62 | 2.23 | 1.69 | 1.64 | 3.92 | 3.71 | Upgrade
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| EPS Growth | 101.09% | 31.95% | 3.05% | -58.16% | 5.66% | 159.44% | 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 | 25.82% | 26.03% | 13.24% | 10.78% | 16.22% | 20.78% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.