Live Oak Bancsh
(LOB)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2024 | 12-2023 | 12-2022 | 12-2021 | 12-2020 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 77,417 | 73,898 | 176,208 | 166,995 | 59,543 |
| Depreciation Amortization | 22,561 | 21,279 | 24,199 | 27,827 | 25,047 |
| Income taxes - deferred | -11,420 | -22,161 | 27,129 | 24,808 | -17,447 |
| Other Working Capital | -59,602 | 13,465 | -457,588 | -336,804 | -418,048 |
| Loans | -57,929 | -3,734 | -442,776 | -339,226 | -357,232 |
| Other Operating Activity | 174,624 | 94,415 | 372,084 | 336,683 | 447,140 |
| Operating Cash Flow | $145,651 | $177,162 | $-300,744 | $-119,717 | $-260,997 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -269,631 | -215,595 | -397,346 | -428,246 | -396,187 |
| PPE Investments | 3,656 | -28,151 | -41,914 | 12,776 | -6,640 |
| Net Acquisitions | N/A | N/A | N/A | N/A | -895 |
| Purchase Of Investment | -15,478 | -30,599 | -45,238 | 0 | 0 |
| Sale Of Investment | 3,262 | 11,362 | 149,798 | 16,750 | 750 |
| Net Loans | -1,561,528 | -1,183,175 | -843,642 | 8,824 | -2,414,016 |
| Other Investing Activity | 151,435 | 114,145 | 161,227 | 240,093 | 197,527 |
| Investing Cash Flow | $-1,688,284 | $-1,332,013 | $-1,017,115 | $-149,803 | $-2,619,461 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 99,703 | 2,906,071 | 62,096 | 602,848 | 1,828,033 |
| Debt Repayment | -10,237 | -2,965,920 | -297,182 | -1,826,652 | -285,954 |
| Common Stock Issued | 3,760 | 2,564 | 3,185 | 4,828 | 3,589 |
| Common Stock Repurchased | -8,926 | -6,725 | -4,972 | -20,104 | -49,229 |
| Dividend Paid | -5,405 | -5,326 | -5,266 | -5,186 | -4,906 |
| Other Financing Activity | 4,523 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | $1,568,893 | $1,320,755 | $1,530,745 | $154,950 | $2,977,381 |
| Beginning Cash Position | 582,540 | 416,636 | 203,750 | 318,320 | 221,397 |
| End Cash Position | 608,800 | 582,540 | 416,636 | 203,750 | 318,320 |
| Net Cash Flow | $26,260 | $165,904 | $212,886 | $-114,570 | $96,923 |
| Free Cash Flow | |||||
| Operating Cash Flow | 145,651 | 177,162 | -300,744 | -119,717 | -260,997 |
| Capital Expenditure | -49,307 | -46,839 | -43,751 | -3,082 | -20,989 |
| Free Cash Flow | 96,344 | 130,323 | -344,495 | -122,799 | -281,986 |