Live Oak Bancshares Inc.

LOB | NYSE

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$38.02

-$0.23 (-0.60%)

At close: Sep 21, 2026, 4:00 PM ET

$38.02

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Year Period Ending	FY 2025 Dec 30, 2025	FY 2024 Dec 30, 2024	FY 2023 Dec 30, 2023	FY 2022 Dec 30, 2022	FY 2021 Dec 30, 2021	FY 2020 Dec 30, 2020
Revenue	1.04B	929.29M	776.55M	508.83M	506.41M	378.31M
Cost of Revenue	538.25M	532.68M	394.29M	157.92M	79.64M	134.34M
Gross Profit	503M	396.61M	382.26M	350.92M	426.78M	243.97M
Operating Income	160.98M	89.24M	82.83M	210.32M	210.79M	47.39M
Interest Income	908.47M	812.37M	688.28M	444.47M	361.21M	288.41M
Pretax Income	160.98M	89.24M	82.83M	210.32M	210.79M	47.39M
Net Income	103.78M	77.47M	73.9M	176.21M	167M	59.54M
Selling & General & Admin	253.85M	205.25M	204.28M	191.12M	137M	123.51M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	88.16M	102.13M	95.15M	-50.53M	78.98M	73.07M
Operating Expenses	342.02M	307.38M	299.43M	140.59M	215.99M	196.58M
Interest Expense	460.11M	436.47M	342.97M	116.97M	64.43M	93.69M
Selling & Marketing Expenses	12.22M	11.15M	12.56M	10.54M	5M	3.51M
Cost & Expenses	880.26M	840.06M	693.72M	298.51M	295.63M	330.92M
Income Tax Expense	57.35M	11.82M	8.93M	34.12M	43.79M	-12.15M
Shares Outstanding (Basic)	45.91M	45.01M	44.35M	43.86M	43.17M	40.68M
Shares Outstanding (Diluted)	46.3M	45.95M	45.1M	44.91M	45.07M	41.77M
EPS (Basic)	2.24	1.72	1.67	4.02	3.87	1.46
EPS (Diluted)	2.22	1.69	1.64	3.92	3.71	1.43
EBITDA	185.09M	112.52M	104.1M	231.11M	232.15M	69.08M
EBIT	160.98M	89.24M	82.83M	210.32M	210.79M	47.39M
Depreciation & Amortization	24.11M	23.28M	21.27M	20.78M	21.37M	21.69M