Live Oak Bancsh (LOB)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 105,643 | 77,417 | 73,898 | 176,208 | 166,995 |
| Depreciation Amortization | 29,789 | 22,561 | 21,279 | 24,199 | 27,827 |
| Income taxes - deferred | -12,368 | -11,420 | -22,161 | 27,129 | 24,808 |
| Other Working Capital | -72,200 | -48,473 | 21,198 | -457,588 | -336,804 |
| Loans | -108,745 | -46,800 | 3,999 | -442,776 | -339,226 |
| Other Operating Activity | 216,123 | 163,495 | 86,682 | 372,084 | 336,683 |
| Operating Cash Flow | $158,242 | $156,780 | $184,895 | $-300,744 | $-119,717 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -301,169 | -269,631 | -215,595 | -397,346 | -428,246 |
| PPE Investments | -1,006 | 3,656 | -28,151 | -41,914 | 12,776 |
| Purchase Of Investment | -10,366 | -15,478 | -30,599 | -45,238 | 0 |
| Sale Of Investment | 78,625 | 3,262 | 11,362 | 149,798 | 16,750 |
| Net Loans | -1,842,407 | -1,572,657 | -1,190,908 | -843,642 | 8,824 |
| Other Investing Activity | 172,133 | 151,435 | 114,145 | 161,227 | 240,093 |
| Investing Cash Flow | $-1,904,190 | $-1,699,413 | $-1,339,746 | $-1,017,115 | $-149,803 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 161 | 99,703 | 2,906,071 | 62,096 | 602,848 |
| Debt Repayment | -10,577 | -10,237 | -2,965,920 | -297,182 | -1,826,652 |
| Common Stock Issued | 4,197 | 3,760 | 2,564 | 3,185 | 4,828 |
| Common Stock Repurchased | -7,625 | -8,926 | -6,725 | -4,972 | -20,104 |
| Dividend Paid | -8,535 | -5,405 | -5,326 | -5,266 | -5,186 |
| Other Financing Activity | 96,266 | 4,523 | 0 | 0 | 0 |
| Financing Cash Flow | $2,002,052 | $1,568,893 | $1,320,755 | $1,530,745 | $154,950 |
| Beginning Cash Position | 608,800 | 582,540 | 416,636 | 203,750 | 318,320 |
| End Cash Position | 864,904 | 608,800 | 582,540 | 416,636 | 203,750 |
| Net Cash Flow | $256,104 | $26,260 | $165,904 | $212,886 | $-114,570 |
| Free Cash Flow | |||||
| Operating Cash Flow | 158,242 | 156,780 | 184,895 | -300,744 | -119,717 |
| Capital Expenditure | -14,756 | -49,307 | -46,839 | -43,751 | -3,082 |
| Free Cash Flow | 143,486 | 107,473 | 138,056 | -344,495 | -122,799 |