Live Oak Bancshares Inc. (LOB)

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23.68

-0.20 (-0.84%)

At close: Apr 16, 2025, 2:58 PM

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	396.33M	372.63M	467.62M	451.28M	433.58M	427.15M	403.69M	382.95M	391.86M	402.19M	401.52M	455.73M	441.99M	415.64M	411.89M	334.41M	284.62M	264.87M	219.69M	204.64M	203.01M	189.48M	188.36M	197.27M	206.87M	209.84M	203.65M	190.81M	177.29M	163.65M	155.42M	139.99M	130.17M	126.29M	113.76M	108.45M
Cost of Revenue	-110.62M	-110.62M	-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	417.8M	648.8M	743.79M	616.82M	688.27M	427.15M	403.69M	382.95M	391.86M	402.19M	401.52M	455.73M	441.99M	415.64M	411.89M	334.41M	284.62M	264.87M	222.89M	207.9M	203.96M	190.43M	185.75M	193.93M	205.84M	208.81M	202.98M	190.81M	177.29M	163.65M	155.42M	139.99M	130.17M	128.31M	116.43M	111.33M
Operating Income	36.83M	-92.72M	-69.31M	-59.42M	n/a	180.98M	214.56M	317.9M	292.98M	289.33M	256.23M	210.08M	210.79M	175.04M	177.29M	106.38M	47.39M	44.27M	5.05M	5.4M	23.46M	22.03M	26.82M	35.97M	46.05M	111.9M	108.65M	104.11M	98.25M	27.41M	25.64M	16.12M	17.22M	23.96M	23.05M	29.07M
Interest Income	646.05M	620.02M	591.69M	562.96M	688.27M	638.35M	573.57M	503.11M	444.47M	400.07M	377.02M	365.77M	361.21M	352.05M	334.34M	313.16M	288.41M	267.18M	253.21M	241.53M	227.98M	210.92M	191.7M	177.54M	162.64M	148.43M	134.71M	118.08M	103.47M	89.85M	77.24M	66.3M	57.27M	51.14M	44.57M	38.83M
Pretax Income	75.53M	79.79M	104.7M	87.62M	82.83M	66.06M	67.7M	171.04M	210.32M	257.38M	256.23M	210.08M	210.79M	175.04M	177.29M	106.38M	47.39M	44.27M	5.05M	5.4M	23.46M	22.03M	26.82M	35.97M	46.05M	111.9M	108.65M	104.11M	98.25M	27.41M	25.64M	16.12M	17.21M	23.95M	23.04M	29.06M
Net Income	56.58M	62.84M	89.61M	80.19M	73.9M	59.53M	62.6M	142.1M	176.21M	204.56M	195.53M	162.08M	167M	166.44M	166.38M	106.57M	59.54M	36.79M	6.9M	8.06M	18.03M	21.69M	32.05M	41.37M	51.45M	112.69M	111.3M	106.84M	100.5M	34.25M	24.87M	15.19M	13.77M	14.01M	13.43M	17.24M
Selling & General & Admin	205.25M	205.87M	207.45M	206.68M	204.28M	183.21M	181.49M	181.1M	177.59M	189.22M	178.08M	167.95M	158.35M	152.94M	145.14M	140.42M	135.85M	129.4M	126.71M	117.12M	109.28M	98.4M	98.13M	100.13M	99.58M	105.62M	102.81M	97.82M	95.11M	90.05M	86M	81.02M	73.34M	68.72M	60.47M	53.3M
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	110.91M	74.61M	-135.39M	-254.63M	-261.93M	-392.84M	-285.82M	-169.47M	-257.8M	-180.24M	-169.93M	-147.05M	-30.33M	86.98M	102.24M	102.24M	102.24M	84.4M	84.4M	84.4M	84.4M	86.79M	86.79M	86.79M	86.79M	76.02M	76.02M	76.02M	76.02M	59.56M	59.56M	59.56M	59.56M	39.04M	39.04M	39.04M
Operating Expenses	291.84M	346.15M	137.74M	29.65M	12.56M	-209.84M	-125.14M	-1.06M	-71.22M	-12.88M	-246K	-18.52M	65.35M	68.45M	69.95M	67.43M	66.52M	64.58M	63.25M	63.46M	62.52M	60.84M	60.43M	59.11M	56.77M	54.49M	51.63M	49.47M	48.38M	48.16M	47.47M	46.95M	46.38M	38.67M	28.24M	17.98M
Interest Expense	436.47M	418.33M	397.6M	375.88M	342.97M	296.72M	237.47M	171.37M	116.97M	80.83M	63.93M	61.16M	64.43M	70.6M	79.27M	88.65M	93.69M	96.75M	96.61M	91.89M	87.9M	80.06M	70.64M	63.37M	54.6M	46.2M	39.18M	31.21M	25.44M	22.4M	19.18M	16.72M	14.62M	12.41M	10.87M	9.63M
Selling & Marketing Expenses	11.15M	11.67M	12.64M	12.65M	12.56M	13.95M	13.13M	12.42M	10.54M	8.49M	7.5M	6.08M	5M	4.13M	3.05M	2.8M	3.51M	4.17M	4.89M	5.93M	5.94M	5.33M	5.51M	5.72M	6.01M	6.38M	6.43M	6.54M	6.36M	6.09M	5.67M	5.06M	4.53M	4.58M	4.54M	4.29M
Cost & Expenses	467.9M	522.21M	313.79M	29.65M	12.56M	-209.84M	-125.14M	-1.06M	-71.22M	50.29M	123.29M	105.01M	188.88M	128.81M	69.95M	67.43M	66.52M	64.58M	63.25M	63.46M	62.52M	60.84M	60.43M	59.11M	56.77M	54.49M	51.63M	49.47M	48.38M	48.16M	47.47M	46.95M	46.38M	38.67M	28.24M	17.98M
Income Tax Expense	19.02M	16.95M	15.11M	7.44M	8.93M	6.54M	5.09M	28.94M	34.12M	52.82M	60.69M	48M	43.79M	8.61M	10.92M	-195K	-12.15M	7.48M	-1.85M	-2.66M	5.43M	336K	-5.23M	-5.4M	-5.4M	-784K	-2.65M	-2.73M	-2.25M	-6.84M	778K	927K	3.44M	9.96M	9.62M	11.83M
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)	1.26	1.40	2.00	1.80	1.66	1.34	1.43	3.24	4.02	4.67	4.47	3.74	3.87	3.90	3.95	2.56	1.45	0.90	0.17	0.20	0.45	0.54	0.80	1.04	1.29	2.83	2.81	2.73	2.60	0.96	0.72	0.44	0.40	0.41	0.40	0.52
EPS (Diluted)	1.24	1.38	1.98	1.78	1.64	1.32	1.40	3.18	3.93	4.55	4.35	3.59	3.71	3.73	3.78	2.46	1.39	0.88	0.16	0.19	0.44	0.53	0.78	1.00	1.24	2.72	2.71	2.64	2.51	0.93	0.70	0.43	0.39	0.39	0.38	0.50
EBITDA	24.15M	24.15M	48.25M	72.48M	72.48M	72.48M	68.62M	166.71M	215.01M	268.26M	272.43M	231.58M	232.15M	196.08M	198.35M	127.71M	78.84M	76.24M	36.87M	36.11M	42.83M	40.11M	43.88M	52.6M	62.43M	127.17M	122.69M	116.47M	108.53M	35.49M	31.86M	19.3M	10.68M	7.13M	n/a	n/a
EBIT	866K	2.19M	27.11M	51.42M	51.21M	51.39M	47.95M	146.14M	194.23M	247.16M	251.08M	210.08M	210.79M	175.04M	177.29M	106.38M	57.15M	54.03M	14.81M	14.55M	22.86M	9.57M	14.36M	24.11M	34.19M	111.9M	108.65M	104.11M	98.25M	27.41M	25.64M	14.4M	6.42M	2.41M	-4.52M	-4.07M
Depreciation & Amortization	23.28M	21.96M	21.15M	21.06M	21.27M	21.09M	20.67M	20.57M	20.78M	21.1M	21.35M	21.51M	21.37M	21.04M	21.06M	21.33M	21.69M	22.21M	22.06M	21.55M	19.97M	18.68M	17.66M	16.63M	16.39M	15.27M	14.04M	12.36M	10.28M	8.08M	6.21M	4.9M	4.26M	4.72M	4.52M	4.07M