Live Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Live Oak Bancshares
LOB Stock  USD 38.81  0.27  0.70%   
Live Oak financial statements provide useful quarterly and yearly information to potential Live Oak Bancshares investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Live Oak financial statements helps investors assess Live Oak's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Live Oak's valuation are summarized below:
Gross Profit
508.3 M
Profit Margin
0.2064
Market Capitalization
1.8 B
Enterprise Value Revenue
3.9844
Revenue
405.7 M
We have found one hundred twenty available fundamental ratios for Live Oak, which can be analyzed and compared to other ratios and to its peers in the industry. All investors should make sure to check all of Live Oak last-minute market performance against the performance between 2010 and 2025 to make sure the company can sustain itself down the road. The current year's Market Cap is expected to grow to about 3.6 B. The current year's Enterprise Value is expected to grow to about 3.7 B

Live Oak Total Revenue

193.32 Million

Check Live Oak financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Live Oak's main balance sheet or income statement drivers, such as Depreciation And Amortization of 25.7 M, Interest Expense of 414.1 M or Selling General Administrative of 231.5 M, as well as many indicators such as Price To Sales Ratio of 20.39, Dividend Yield of 0.0029 or PTB Ratio of 2.44. Live financial statements analysis is a perfect complement when working with Live Oak Valuation or Volatility modules.
  
Check out the analysis of Live Oak Correlation against competitors.

Live Oak Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets13.6 B13 B5 B
Slightly volatile
Short and Long Term Debt Total25.5 M26.9 M143.3 M
Pretty Stable
Total Stockholder Equity1.1 B1 B452.4 M
Slightly volatile
Property Plant And Equipment Net165.5 M296.6 M151.4 M
Slightly volatile
Cash703.7 M670.2 M251.7 M
Slightly volatile
Non Current Assets Total479.4 M296.6 M404 M
Slightly volatile
Other Assets11.2 B10.7 B3.9 B
Slightly volatile
Cash And Short Term Investments2.1 B2 B733.4 M
Slightly volatile
Common Stock Total Equity227.8 M380.5 M215.2 M
Slightly volatile
Common Stock Shares Outstanding40.1 M51.9 M37.2 M
Slightly volatile
Short Term Investments1.4 B1.3 B481.8 M
Slightly volatile
Liabilities And Stockholders Equity13.6 B13 B5 B
Slightly volatile
Non Current Liabilities Total25.5 M26.9 M131.4 M
Pretty Stable
Total Liabilities12.9 B12.3 B4.6 B
Slightly volatile
Property Plant And Equipment Gross428.7 M408.3 M191.8 M
Slightly volatile
Total Current Assets2.1 B2 B732.2 M
Slightly volatile
Common Stock239.4 M396.3 M217.8 M
Slightly volatile
Total Current Liabilities4.5 M4.7 M247.7 M
Very volatile
Good Will24.7 M37 M20.8 M
Slightly volatile
Intangible Assets1.2 M1.3 M13.5 M
Pretty Stable
Other Liabilities89.1 M84.8 M39.9 M
Slightly volatile
Accounts Payable10.7 B10.2 B4.1 B
Slightly volatile
Long Term Debt25.5 M26.9 M136.8 M
Pretty Stable
Inventory530.1 K558 K59.7 M
Slightly volatile
Property Plant Equipment178.2 M302.8 M152.4 M
Slightly volatile
Net Tangible Assets497.6 M932.7 M417.5 M
Slightly volatile
Long Term Investments1.2 B1.3 B876.4 M
Slightly volatile
Short Term Debt613.9 K646.2 K19.2 M
Slightly volatile
Net Receivables27.6 M23.7 M35.8 M
Slightly volatile
Retained Earnings Total Equity691.3 M658.4 M231 M
Slightly volatile
Long Term Debt Total90.9 M95.7 M152.4 M
Pretty Stable
Non Current Liabilities Other47.7 M87.8 M41.2 M
Slightly volatile
Earning Assets985.5 M1.9 B1 B
Slightly volatile
Capital Lease Obligations4.3 K4.5 K2.2 M
Slightly volatile
Net Invested Capital1 B1.1 B736.1 M
Slightly volatile
Capital Stock360.6 M396.3 M334.3 M
Slightly volatile

Live Oak Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization25.7 M24.5 M12.2 M
Slightly volatile
Interest Expense414.1 M394.4 M102.3 M
Slightly volatile
Selling General Administrative231.5 M220.5 M101.7 M
Slightly volatile
Selling And Marketing Expenses15.2 M14.4 M6.3 M
Slightly volatile
Total Revenue193.3 M137.4 M165.8 M
Slightly volatile
Gross Profit193.3 M137.4 M165.8 M
Slightly volatile
Other Operating Expenses523.6 M498.6 M152.2 M
Slightly volatile
Operating Income93.5 M119 M83.4 M
Slightly volatile
EBIT81.8 M95.3 M72.6 M
Slightly volatile
EBITDA94 M119.7 M83.9 M
Slightly volatile
Income Before Tax71.5 M95.3 M64.1 M
Slightly volatile
Net Income63.4 M85 M57 M
Slightly volatile
Net Income Applicable To Common Shares212.8 M202.6 M82.6 M
Slightly volatile
Net Income From Continuing Ops76 M85 M55.8 M
Slightly volatile
Net Interest Income417 M397.1 M156.3 M
Slightly volatile
Interest Income831.1 M791.5 M260.2 M
Slightly volatile
Non Recurring2.9 M3.3 M3.6 M
Slightly volatile
Reconciled Depreciation20.7 M24.5 M15.6 M
Slightly volatile

Live Oak Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation21.6 M20.6 M9.9 M
Slightly volatile
Begin Period Cash Flow503.1 M479.1 M205.4 M
Slightly volatile
Depreciation25.7 M24.5 M12.2 M
Slightly volatile
Dividends Paid7 M4.8 M8.3 M
Slightly volatile
Capital Expenditures39.8 M53.9 M35.6 M
Slightly volatile
Net Income63.3 M85 M56.9 M
Slightly volatile
Total Cash From Financing Activities865.7 M1.5 B792 M
Slightly volatile
End Period Cash Flow703.4 M669.9 M264.8 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio20.3919.429.3785
Pretty Stable
Dividend Yield0.00290.0030.0125
Slightly volatile
PTB Ratio2.442.576.1116
Slightly volatile
Book Value Per Share14.4218.3216.7514
Slightly volatile
Stock Based Compensation To Revenue0.140.130.0553
Slightly volatile
Capex To Depreciation2.412.536.6854
Slightly volatile
PB Ratio2.442.576.1116
Slightly volatile
EV To Sales7.4414.047.6956
Very volatile
ROIC0.110.09970.2286
Slightly volatile
Net Income Per Share1.181.51.4028
Slightly volatile
Sales General And Administrative To Revenue1.521.440.6568
Slightly volatile
Capex To Revenue0.190.350.2372
Very volatile
Cash Per Share36.4134.6716.3991
Slightly volatile
Interest Coverage0.330.353.167
Slightly volatile
Payout Ratio0.07870.08290.4768
Slightly volatile
ROE0.08940.09410.223
Slightly volatile
PE Ratio30.4431.4128.7313
Pretty Stable
Return On Tangible Assets0.00720.00760.0242
Slightly volatile
Earnings Yield0.04170.0330.0486
Pretty Stable
Intangibles To Total Assets0.00330.00340.0112
Slightly volatile
Current Ratio0.380.466.2971
Pretty Stable
Tangible Book Value Per Share13.9517.6416.2046
Slightly volatile
Graham Number13.7824.8616.6222
Slightly volatile
Shareholders Equity Per Share19.2318.3210.405
Slightly volatile
Debt To Equity0.02210.02330.3268
Very volatile
Capex Per Share0.780.950.9089
Pretty Stable
Revenue Per Share3.672.424.1962
Slightly volatile
Interest Debt Per Share4.357.435.1839
Slightly volatile
Debt To Assets0.00180.00190.0298
Pretty Stable
Enterprise Value Over EBITDA21.0316.1220.1034
Slightly volatile
Price Earnings Ratio30.4431.4128.7313
Pretty Stable
Price Book Value Ratio2.442.576.1116
Slightly volatile
Dividend Payout Ratio0.07870.08290.4768
Slightly volatile
Pretax Profit Margin0.660.620.3913
Slightly volatile
Ebt Per Ebit0.790.920.7315
Pretty Stable
Operating Profit Margin0.820.780.5035
Slightly volatile
Company Equity Multiplier7.5211.249.4113
Slightly volatile
Long Term Debt To Capitalization0.02760.0290.1607
Pretty Stable
Total Debt To Capitalization0.02760.0290.1633
Pretty Stable
Return On Capital Employed0.01520.0160.0424
Slightly volatile
Debt Equity Ratio0.02210.02330.3268
Very volatile
Ebit Per Revenue0.820.780.5035
Slightly volatile
Quick Ratio0.380.466.2971
Pretty Stable
Net Income Per E B T0.720.80.9032
Slightly volatile
Cash Ratio0.130.1423.878
Very volatile
Price To Book Ratio2.442.576.1116
Slightly volatile
Fixed Asset Turnover2.241.982.3538
Slightly volatile
Enterprise Value Multiple21.0316.1220.1034
Slightly volatile
Debt Ratio0.00180.00190.0298
Pretty Stable
Price Sales Ratio20.3919.429.3785
Pretty Stable
Return On Assets0.00720.00750.024
Slightly volatile
Asset Turnover0.01160.01220.0739
Slightly volatile
Net Profit Margin0.580.560.3555
Slightly volatile
Price Fair Value2.442.576.1116
Slightly volatile
Return On Equity0.08940.09410.223
Slightly volatile

Live Oak Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap3.6 B3.4 B1.6 B
Slightly volatile
Enterprise Value3.7 B3.5 B1.7 B
Slightly volatile

Live Fundamental Market Drivers

Cash And Short Term Investments1.7 B

Live Upcoming Events

24th of April 2024
Upcoming Quarterly Report
View
23rd of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
22nd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Live Oak Financial Statements

Live Oak stakeholders use historical fundamental indicators, such as Live Oak's revenue or net income, to determine how well the company is positioned to perform in the future. Although Live Oak investors may analyze each financial statement separately, they are all interrelated. For example, changes in Live Oak's assets and liabilities are reflected in the revenues and expenses on Live Oak's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Live Oak Bancshares. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue137.4 M193.3 M
Cost Of Revenue-229.2 M-217.8 M
Stock Based Compensation To Revenue 0.13  0.14 
Sales General And Administrative To Revenue 1.44  1.52 
Capex To Revenue 0.35  0.19 
Revenue Per Share 2.42  3.67 
Ebit Per Revenue 0.78  0.82 

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When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:
How To Invest In Live
Details
Is Live Stock a good investment?
Details
What is Live Oak's Net Worth?
Details
Largest Banks - Regional Companies
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Largest Financial Services Companies
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Check out the analysis of Live Oak Correlation against competitors.
You can also try the Efficient Frontier module to plot and analyze your portfolio and positions against risk-return landscape of the market..
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. If investors know Live will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Live Oak listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.68)
Dividend Share
0.12
Earnings Share
1.84
Revenue Per Share
9.05
Quarterly Revenue Growth
(0.19)
The market value of Live Oak Bancshares is measured differently than its book value, which is the value of Live that is recorded on the company's balance sheet. Investors also form their own opinion of Live Oak's value that differs from its market value or its book value, called intrinsic value, which is Live Oak's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Live Oak's market value can be influenced by many factors that don't directly affect Live Oak's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
Please note, there is a significant difference between Live Oak's value and its price as these two are different measures arrived at by different means. Investors typically determine if Live Oak is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Live Oak's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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