Live Oak Bancshares Inc. (LOB)

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23.80

-0.42 (-1.73%)

At close: Apr 21, 2025, 3:59 PM

23.78

-0.11%

After-hours: Apr 21, 2025, 05:29 PM EDT

Live Oak Bancshares Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Period Ending	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016	Mar 31, 2016
Revenue	124.82M	29.84M	123.42M	118.25M	101.12M	124.84M	107.07M	100.55M	94.69M	101.38M	86.33M	109.46M	105.02M	100.71M	140.54M	95.71M	78.67M	96.97M	63.06M	45.92M	58.91M	51.79M	48.01M	44.3M	45.38M	50.67M	56.92M	53.9M	48.34M	44.48M	44.08M	40.39M	34.7M	36.26M	28.64M	30.57M
Cost of Revenue	n/a	n/a	-110.62M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Gross Profit	124.82M	29.84M	234.04M	29.09M	355.81M	124.84M	107.07M	100.55M	94.69M	101.38M	86.33M	109.46M	105.02M	100.71M	140.54M	95.71M	78.67M	96.97M	63.06M	45.92M	58.91M	54.99M	48.06M	41.99M	45.38M	50.31M	56.25M	53.9M	48.34M	44.48M	44.08M	40.39M	34.7M	36.26M	28.64M	30.57M
Operating Income	n/a	19.35M	9.08M	8.4M	-129.55M	42.76M	18.97M	67.82M	51.42M	76.34M	122.32M	42.9M	47.78M	43.23M	76.17M	43.61M	12.04M	45.48M	5.25M	-15.38M	8.92M	6.26M	5.6M	2.69M	7.48M	11.05M	14.74M	12.77M	73.34M	7.8M	10.2M	6.91M	2.49M	6.04M	680K	8.01M
Interest Income	212.57M	208.94M	198.45M	26.1M	186.54M	180.61M	169.71M	151.42M	136.61M	115.83M	99.25M	92.78M	92.2M	92.79M	88M	88.22M	83.04M	75.08M	66.82M	63.47M	61.81M	61.11M	55.14M	49.92M	44.75M	41.89M	40.98M	35.02M	30.54M	28.17M	24.34M	20.42M	16.91M	15.56M	13.4M	11.39M
Pretax Income	13.23M	17.84M	36.06M	8.4M	17.48M	42.76M	18.97M	3.61M	717K	44.39M	122.32M	42.9M	47.78M	43.23M	76.17M	43.61M	12.04M	45.48M	5.25M	-15.38M	8.92M	6.26M	5.6M	2.69M	7.48M	11.05M	14.74M	12.77M	73.34M	7.8M	10.2M	6.91M	2.49M	6.04M	680K	8M
Net Income	9.9M	13.03M	26.96M	6.69M	16.16M	39.79M	17.54M	398K	1.79M	42.87M	97.04M	34.51M	30.15M	33.84M	63.58M	39.43M	29.59M	33.78M	3.78M	-7.6M	6.83M	3.9M	4.93M	2.37M	10.49M	14.25M	14.25M	12.45M	71.73M	12.86M	9.79M	6.11M	5.48M	3.48M	123K	4.69M
Selling & General & Admin	50.25M	48.93M	51.91M	54.17M	50.87M	50.51M	51.14M	51.77M	29.79M	48.8M	50.74M	48.26M	41.42M	37.65M	40.61M	38.66M	36.01M	29.86M	35.89M	34.09M	29.56M	27.17M	26.3M	26.25M	18.68M	26.89M	28.3M	25.71M	24.72M	24.08M	23.31M	22.99M	19.66M	20.03M	18.33M	15.31M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	74.58M	77.41M	-19.99M	-21.09M	38.27M	-132.59M	-139.23M	-28.39M	-92.64M	-25.57M	-22.88M	-116.72M	-15.07M	-15.26M	n/a	n/a	102.24M	n/a	n/a	n/a	84.4M	n/a	n/a	n/a	86.79M	n/a	n/a	n/a	76.02M	n/a	n/a	n/a	59.56M	n/a	n/a	n/a
Operating Expenses	124.82M	126.34M	19.99M	20.69M	179.13M	-82.08M	-88.1M	3.6M	-43.26M	2.62M	35.98M	-66.56M	15.07M	15.26M	17.7M	17.31M	18.17M	16.76M	15.18M	16.41M	16.23M	15.44M	15.39M	15.47M	14.54M	15.03M	14.07M	13.13M	12.27M	12.17M	11.91M	12.04M	12.04M	11.48M	11.38M	11.48M
Interest Expense	115.09M	111.94M	107.13M	102.31M	96.96M	91.2M	85.41M	69.4M	50.71M	31.95M	19.31M	15M	14.56M	15.05M	16.54M	18.27M	20.74M	23.71M	25.92M	23.31M	23.8M	23.58M	21.2M	19.32M	15.96M	14.17M	13.93M	10.55M	7.56M	7.15M	5.95M	4.78M	4.52M	3.93M	3.48M	2.69M
Selling & Marketing Expenses	1.98M	2.47M	3M	3.69M	2.5M	3.45M	3.01M	3.6M	3.89M	2.62M	2.3M	1.73M	1.84M	1.63M	875K	652K	973K	552K	624K	1.36M	1.63M	1.28M	1.67M	1.36M	1.02M	1.46M	1.87M	1.66M	1.39M	1.52M	1.98M	1.49M	1.11M	1.1M	1.36M	963K
Cost & Expenses	124.82M	126.34M	196.05M	20.69M	179.13M	-82.08M	-88.1M	3.6M	-43.26M	2.62M	35.98M	-66.56M	78.25M	75.62M	17.7M	17.31M	18.17M	16.76M	15.18M	16.41M	16.23M	15.44M	15.39M	15.47M	14.54M	15.03M	14.07M	13.13M	12.27M	12.17M	11.91M	12.04M	12.04M	11.48M	11.38M	11.48M
Income Tax Expense	3.39M	4.82M	9.1M	1.72M	1.32M	2.97M	1.43M	3.21M	-1.07M	1.52M	25.28M	8.39M	17.63M	9.39M	12.59M	4.18M	-17.55M	11.7M	1.47M	-7.78M	2.08M	2.37M	662K	317K	-3.01M	-3.2M	491K	315K	1.61M	-5.06M	408K	798K	-2.99M	2.56M	557K	3.31M
Shares Outstanding (Basic)	45.07M	45.07M	44.97M	44.76M	44.52M	44.41M	44.33M	44.16M	44.01M	43.91M	43.82M	43.7M	43.49M	43.33M	43.17M	42.67M	41.32M	40.54M	40.51M	40.33M	40.29M	40.24M	40.2M	40.16M	40.15M	40.12M	40.03M	39.93M	39.88M	37.37M	34.62M	34.47M	34.24M	34.21M	34.19M	34.18M
Shares Outstanding (Diluted)	45.95M	45.95M	45.53M	45.64M	45.31M	45.27M	44.84M	44.96M	44.79M	44.8M	44.8M	45.23M	45.47M	45.04M	45.06M	44.7M	43.33M	41.55M	41.12M	41.07M	41.18M	41.11M	41M	40.92M	41.08M	41.69M	41.62M	41.4M	41.18M	38.64M	35.94M	35.65M	35.21M	35M	35.21M	34.95M
EPS (Basic)	0.22	0.29	0.60	0.15	0.36	0.89	0.40	0.01	0.04	0.98	2.21	0.79	0.69	0.78	1.48	0.92	0.72	0.83	0.09	-0.19	0.17	0.10	0.12	0.06	0.26	0.36	0.36	0.31	1.80	0.34	0.28	0.18	0.16	0.10	0.00	0.14
EPS (Diluted)	0.22	0.28	0.59	0.15	0.36	0.88	0.39	0.01	0.04	0.96	2.17	0.76	0.66	0.76	1.41	0.88	0.68	0.81	0.09	-0.19	0.17	0.09	0.12	0.06	0.26	0.34	0.34	0.30	1.74	0.33	0.27	0.17	0.16	0.10	0.00	0.13
EBITDA	n/a	24.15M	n/a	n/a	n/a	48.25M	24.23M	n/a	n/a	44.39M	122.32M	48.3M	53.25M	48.56M	81.47M	48.87M	17.18M	50.83M	10.82M	n/a	14.58M	11.46M	10.06M	6.72M	11.86M	15.24M	18.78M	16.55M	76.6M	10.76M	12.56M	8.62M	3.55M	7.13M	n/a	n/a
EBIT	-6.65M	17.84M	-5.34M	-4.98M	-5.33M	42.76M	18.97M	-5.19M	-5.15M	39.32M	117.17M	42.9M	47.78M	43.23M	76.17M	43.61M	12.03M	45.48M	5.25M	-5.62M	8.92M	6.26M	5M	2.69M	-4.38M	11.05M	14.74M	12.77M	73.34M	7.8M	10.2M	6.91M	2.49M	6.04M	-1.04M	-1.06M
Depreciation & Amortization	6.65M	6.31M	5.34M	4.98M	5.33M	5.49M	5.25M	5.19M	5.15M	5.07M	5.15M	5.41M	5.47M	5.33M	5.3M	5.26M	5.14M	5.35M	5.57M	5.62M	5.66M	5.2M	5.07M	4.03M	4.38M	4.19M	4.04M	3.79M	3.26M	2.96M	2.35M	1.71M	1.06M	1.09M	1.04M	1.06M