LOB NYSE
Live Oak Bancshares, Inc.
1W: -1.9%
1M: -5.6%
3M: -18.8%
YTD: -0.0%
1Y: +1.6%
3Y: +29.3%
5Y: -50.7%
$34.74
+0.06 (+0.17%)
Weekly Expected Move ±4.0%
$32
$34
$35
$37
$38
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Cash Flow Trends
Operating Cash Flow
$158M
-70.5% ▼
Capital Expenditures
$15M
+70.1% ▲
5Y CAGR: -6.8%
Free Cash Flow
$143M
-70.5% ▼
Dividends Paid
$9M
-57.9% ▼
Buybacks
$0
+0.0% ▲
Net Change in Cash
$256M
+875.3% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $167M | $176M | $74M | $77M | $106M |
| Depreciation & Amort. | $21M | $21M | $21M | $23M | $30M |
| Stock-Based Comp. | $17M | $20M | $18M | $26M | $26M |
| Change in Working Capital | $2M | -$22M | $40M | $6M | $44M |
| Other Non-Cash Items | -$352M | -$98M | $490M | $415M | -$36M |
| Operating Cash Flow | -$120M | $124M | $620M | $536M | $158M |
| — Investing Activities — | |||||
| Capital Expenditures | -$3M | -$44M | -$47M | -$49M | -$15M |
| Acquisitions (Net) | $0 | $0 | $0 | $0 | $4M |
| Investment Purchases | -$428M | -$443M | -$246M | -$285M | -$312M |
| Investment Sales | $255M | $310M | $122M | $155M | $260M |
| Other Investing | $26M | -$1.3B | -$1.6B | -$1.9B | -$1.8B |
| Investing Cash Flow | -$150M | -$1.4B | -$1.8B | -$2.1B | -$1.9B |
| — Financing Activities — | |||||
| Net Debt Issuance | -$1.2B | -$235M | -$60M | $89M | -$10M |
| Stock Repurchased | -$953K | $0 | $0 | $0 | $0 |
| Dividends Paid | -$5M | -$5M | -$5M | -$5M | -$9M |
| Other Financing | $1.4B | $1.8B | $1.4B | $1.5B | $1.9B |
| Financing Cash Flow | $155M | $1.5B | $1.3B | $1.6B | $2.0B |
| Net Change in Cash | -$115M | $213M | $166M | $26M | $256M |
| Cash End of Period | $204M | $417M | $583M | $609M | $865M |
| Free Cash Flow | -$123M | $81M | $573M | $487M | $143M |