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Complete financial analysis of Live Oak Bancshares, Inc. (LOB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Live Oak Bancshares, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Live Oak Bancshares, Inc. (LOB)
About Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 119.49M | 391.86M | 441.99M | 284.62M | 205.98M | 205.84M | 177.30M | 130.17M | 104.09M | 76.92M | 57.79M | 50.53M | 38.13M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 119.49M | 391.86M | 441.99M | 284.62M | 205.98M | 205.84M | 177.30M | 130.17M | 104.09M | 76.92M | 57.79M | 50.53M | 38.13M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 191.72M | 180.58M | 132.00M | 120.00M | 110.27M | 102.72M | 96.87M | 76.50M | 51.29M | 37.22M | 26.97M | 22.50M | 13.48M |
| Selling & Marketing | 12.56M | 10.54M | 5.00M | 3.51M | 5.94M | 6.02M | 6.36M | 4.53M | 4.33M | 3.32M | 2.32M | 2.18M | 2.28M |
| SG&A | 204.28M | 191.12M | 137.00M | 123.51M | 116.20M | 108.74M | 103.23M | 81.03M | 55.62M | 40.53M | 29.29M | 24.68M | 15.75M |
| Other Expenses | 229.30M | -255.68M | -392.19M | -376.54M | -298.72M | -213.93M | -40.21M | -33.43M | 0.00 | -94.17M | -12.21M | -55.49M | -36.84M |
| Operating Expenses | 433.58M | -64.56M | -231.20M | -237.24M | -182.51M | -105.20M | 6.36M | 4.53M | 4.33M | -53.63M | 17.08M | -30.80M | -21.09M |
| Cost & Expenses | 433.58M | -64.56M | -231.20M | -237.24M | -182.51M | -105.20M | 6.36M | 4.53M | 4.33M | -53.63M | 17.08M | -30.80M | -21.09M |
| Interest Income | 688.28M | 444.47M | 361.21M | 288.41M | 227.98M | 162.64M | 103.47M | 57.27M | 34.45M | 20.51M | 15.30M | 11.73M | 8.74M |
| Interest Expense | 342.97M | 116.97M | 64.43M | 93.69M | 87.90M | 54.60M | 25.44M | 14.62M | 8.86M | 5.85M | 4.52M | 3.63M | 2.74M |
| Depreciation & Amortization | 21.27M | 20.78M | 21.37M | 21.69M | 19.97M | 16.39M | 10.28M | 4.20M | 3.44M | 2.16M | 1.46M | 673.00K | 331.00K |
| EBITDA | 104.10M | 231.11M | 232.15M | 69.08M | 42.83M | 62.43M | 108.53M | 21.47M | 37.83M | 17.06M | 29.44M | 15.47M | 14.64M |
| EBITDA Ratio | 87.12% | 88.83% | 52.53% | 24.27% | 21.09% | 56.86% | 75.56% | 27.73% | 44.88% | 33.08% | 58.90% | 40.37% | 45.58% |
| Operating Income | 103.47M | 327.30M | 210.79M | 47.39M | 23.47M | 100.65M | 123.69M | 31.84M | 43.28M | 23.29M | 32.58M | 19.72M | 17.05M |
| Operating Income Ratio | 86.59% | 83.52% | 47.69% | 16.65% | 11.39% | 48.90% | 69.77% | 24.46% | 41.58% | 30.28% | 56.38% | 39.03% | 44.71% |
| Total Other Income/Expenses | -20.64M | -116.97M | -4.90M | -14.69M | -7.89M | -2.68M | 63.66M | -24.66M | -26.00K | 352.00K | 4.11M | -673.00K | 0.00 |
| Income Before Tax | 82.83M | 210.32M | 210.79M | 47.39M | 23.47M | 46.05M | 98.25M | 17.21M | 34.40M | 17.44M | 27.94M | 14.80M | 14.31M |
| Income Before Tax Ratio | 69.32% | 53.67% | 47.69% | 16.65% | 11.39% | 22.37% | 55.42% | 13.22% | 33.04% | 22.67% | 48.35% | 29.29% | 37.53% |
| Income Tax Expense | 8.93M | 34.12M | 43.79M | -12.15M | 5.43M | -5.40M | -2.25M | 3.44M | 13.80M | 7.39M | -120.00K | -1.30M | 0.00 |
| Net Income | 73.90M | 176.21M | 167.00M | 59.54M | 18.03M | 51.45M | 100.50M | 13.77M | 20.63M | 10.05M | 28.06M | 16.10M | 14.31M |
| Net Income Ratio | 61.84% | 44.97% | 37.78% | 20.92% | 8.76% | 24.99% | 56.68% | 10.58% | 19.81% | 13.06% | 48.56% | 31.85% | 37.53% |
| EPS | 1.67 | 4.33 | 3.87 | 1.46 | 0.45 | 1.28 | 2.75 | 0.40 | 0.66 | 0.35 | 0.98 | 0.41 | 0.50 |
| EPS Diluted | 1.64 | 4.22 | 3.71 | 1.43 | 0.44 | 1.24 | 2.65 | 0.39 | 0.65 | 0.34 | 0.96 | 0.41 | 0.49 |
| Weighted Avg Shares Out | 44.35M | 41.77M | 43.17M | 40.68M | 40.22M | 40.06M | 36.59M | 34.20M | 31.08M | 28.62M | 28.62M | 23.97M | 28.62M |
| Weighted Avg Shares Out (Dil) | 45.09M | 41.77M | 45.07M | 41.77M | 41.05M | 41.45M | 37.86M | 35.09M | 31.97M | 29.36M | 29.36M | 24.42M | 29.36M |
Live Oak Bancshares, Inc. (LOB) Q3 2023 Earnings Call Transcript
Live Oak Bancshares (LOB) Upgraded to Buy: What Does It Mean for the Stock?
Compared to Estimates, Live Oak Bancshares (LOB) Q3 Earnings: A Look at Key Metrics
Live Oak Bancshares (LOB) Q3 Earnings and Revenues Top Estimates
Live Oak Bancshares, Inc. Reports Third Quarter 2023 Results
Live Oak Bancshares, Inc. Announces Date of Third Quarter 2023 Financial Results
Here's Why Live Oak Bancshares (LOB) is Poised for a Turnaround After Losing -11.4% in 4 Weeks
Live Oak Bancshares: Solid Deposit Growth, But Expensive Price
LaSalle St. Establishes Relationship with Live Oak Bank
Live Oak Bancshares (LOB) Loses -10.4% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
Source: https://incomestatements.info
Category: Stock Reports