InsiderClue
Stocks · Financials · State Commercial Banks

Live Oak Bancshares, Inc.

LOB Clue Score49
United States Fiscal year ends December CIK 0001462120
$34.48 -0.26% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $34.48 −47.90% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income0.01EPS, diluted0.39Fiscal year 2017Net income0.10 +629.7%EPS, diluted2.65 +579.5%Fiscal year 2018Net income0.05 −48.8%EPS, diluted1.24 −53.2%Fiscal year 2019Net income0.02 −64.9%EPS, diluted0.44 −64.5%Fiscal year 2020Net income0.06 +230.2%EPS, diluted1.43 +225.0%Fiscal year 2021Net income0.17 +180.5%EPS, diluted3.71 +159.4%Fiscal year 2022Net income0.18 +5.5%EPS, diluted3.92 +5.7%Fiscal year 2023Net income0.07 −58.1%EPS, diluted1.64 −58.2%Fiscal year 2024Net income0.08 +4.8%EPS, diluted1.69 +3.0%Fiscal year 2025Net income0.11 +36.7%EPS, diluted2.23 +32.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 0.01 0.10 0.05 0.02 0.06 0.17 0.18 0.07 0.08 0.11
Growth +629.7% −48.8% −64.9% +230.2% +180.5% +5.5% −58.1% +4.8% +36.7%
EPS, diluted 0.39 2.65 1.24 0.44 1.43 3.71 3.92 1.64 1.69 2.23
Growth +579.5% −53.2% −64.5% +225.0% +159.4% +5.7% −58.2% +3.0% +32.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow−0.22Capital expenditure−0.01Free cash flow−0.23Dividends paid−0.00Fiscal year 2017Operating cash flow−0.29Capital expenditure−0.12Free cash flow−0.41Dividends paid−0.00Fiscal year 2018Operating cash flow0.01Capital expenditure−0.11Free cash flow−0.11Dividends paid−0.00Fiscal year 2019Operating cash flow−0.48Capital expenditure−0.04Free cash flow−0.52Dividends paid−0.00Fiscal year 2020Operating cash flow−0.26Capital expenditure−0.02Free cash flow−0.28Dividends paid−0.00Fiscal year 2021Operating cash flow−0.12Capital expenditure−0.00Free cash flow−0.12Dividends paid−0.01Fiscal year 2022Operating cash flow−0.30Capital expenditure−0.04Free cash flow−0.34Dividends paid−0.01Fiscal year 2023Operating cash flow0.18Capital expenditure−0.05Free cash flow0.14Dividends paid−0.01Fiscal year 2024Operating cash flow0.16Capital expenditure−0.05Free cash flow0.11 −22.2%Dividends paid−0.01Fiscal year 2025Operating cash flow0.16Capital expenditure−0.01Free cash flow0.14 +33.5%Dividends paid−0.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.22 −0.29 0.01 −0.48 −0.26 −0.12 −0.30 0.18 0.16 0.16
Capital expenditure −0.01 −0.12 −0.11 −0.04 −0.02 −0.00 −0.04 −0.05 −0.05 −0.01
Free cash flow −0.23 −0.41 −0.11 −0.52 −0.28 −0.12 −0.34 0.14 0.11 0.14
Growth −22.2% +33.5%
Dividends paid −0.00 −0.00 −0.00 −0.00 −0.00 −0.01 −0.01 −0.01 −0.01 −0.01

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Total debt0.03Shareholders’ equity0.22Debt to equity0.12Fiscal year 2017Total debt0.03Shareholders’ equity0.44Debt to equity0.06Fiscal year 2018Total debt0.00Shareholders’ equity0.49Debt to equity0.00Fiscal year 2019Cash0.22Shareholders’ equity0.53Fiscal year 2020Cash0.32Shareholders’ equity0.57Fiscal year 2021Cash0.20Shareholders’ equity0.72Fiscal year 2022Cash0.42Shareholders’ equity0.81Fiscal year 2023Cash0.58Shareholders’ equity0.90Fiscal year 2024Cash0.61Shareholders’ equity1.00Fiscal year 2025Cash0.86Shareholders’ equity1.25
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a n/a n/a 0.22 0.32 0.20 0.42 0.58 0.61 0.86
Total debt 0.03 0.03 0.00 n/a n/a n/a n/a n/a n/a n/a
Shareholders’ equity 0.22 0.44 0.49 0.53 0.57 0.72 0.81 0.90 1.00 1.25
Debt to equity 0.12 0.06 0.00 n/a n/a n/a n/a n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
20.0% −2.3% −11.7% 23.1% −25.6% 20.8% 16.2% 10.8% 13.2% 26.0%
Returns
6.2% 23.0% 10.4% 3.4% 10.5% 23.4% 21.7% 8.2% 7.8% 8.5%
0.8% 3.6% 1.4% 0.4% 0.8% 2.0% 1.8% 0.7% 0.6% 0.7%
Balance and payout
0.12 0.06 0.00 n/a n/a n/a n/a n/a n/a n/a
87.3% 84.2% 86.5% 88.9% 92.8% 91.3% 91.8% 92.0% 92.2% 91.7%
19.9% 3.8% 9.3% 26.8% 8.2% 3.1% 3.0% 7.2% 7.0% 5.2%
n/a n/a n/a n/a n/a n/a n/a 3.9% 5.0% 3.8%