LOB · CIK 0001462120
Live Oak Bancshares, Inc.
Annual figures as reported, FY2014–FY2025. Ratios and growth rates derived on-page.
State Commercial Banks
Company profile
Net income
$105.9M
▲ +36.7% vs FY2024
Free cash flow
$143.5M
▲ +33.5% vs FY2024
Diluted EPS
$2.23
▲ +32.0% vs FY2024
Net income
Annual, as reported
Recent quarters
momentum · last 12 quartersNet income — Mar ’26 quarter
$30.0M
▲ +209.1% vs Mar ’25
Diluted EPS — trailing 12 months
$2.62
▲ +101.5% vs Mar ’25
Quarterly net income
Discrete quarters; Q4 derived from the annual figure
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Mar ’26 | — | — | — | $30.0M | — | $0.60 |
| Dec ’25 | — | — | — | $46.2M | — | $0.96 |
| Sep ’25 | — | — | — | $26.5M | — | $0.55 |
| Jun ’25 | — | — | — | $23.4M | — | $0.51 |
| Mar ’25 | — | — | — | $9.7M | — | $0.21 |
| Dec ’24 | — | — | — | $9.9M | — | $0.22 |
| Sep ’24 | — | — | — | $13.0M | — | $0.28 |
| Jun ’24 | — | — | — | $27.0M | — | $0.59 |
Profitability & returns
quality of earningsReturns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paid
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedNet income CAGR
−15.6%
3y
+12.2%
5y
+17.8%
10y
Diluted EPS CAGR
−17.1%
3y
+9.3%
5y
+13.1%
10y
Share count change (split-adjusted)
+10.2%
5y
+44.0%
10y
Key ratios
derived per fiscal year| Fiscal year | ROE | ROA | DPS |
|---|---|---|---|
| FY2025 | 8.5% | 0.7% | $0.12 |
| FY2024 | 7.8% | 0.6% | $0.12 |
| FY2023 | 8.2% | 0.7% | $0.12 |
| FY2022 | 21.7% | 1.8% | $0.12 |
| FY2021 | 23.4% | 2.0% | $0.12 |
| FY2020 | 10.5% | 0.8% | $0.12 |
| FY2019 | 3.4% | 0.4% | $0.12 |
| FY2018 | 10.4% | 1.4% | $0.12 |
| FY2017 | 23.0% | 3.6% | $0.10 |
| FY2016 | 6.2% | 0.8% | $0.07 |
| FY2015 | 10.3% | 2.0% | — |
| FY2014 | 10.9% | 1.5% | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | — | — | — | $105.9M | $2.23 | $158.2M | $14.8M | $15.1B | $13.9B | $1.2B | $864.9M | — |
| FY2024 | — | — | — | $77.5M | $1.69 | $156.8M | $49.3M | $12.9B | $11.9B | $999.0M | $608.8M | — |
| FY2023 | — | — | — | $73.9M | $1.64 | $184.9M | $46.8M | $11.3B | $10.4B | $902.7M | $582.5M | — |
| FY2022 | — | — | — | $176.2M | $3.92 | −$300.7M | $43.8M | $9.9B | $9.0B | $811.0M | $416.6M | — |
| FY2021 | — | — | — | $167.0M | $3.71 | −$119.7M | $3.1M | $8.2B | $7.5B | $715.1M | $203.8M | — |
| FY2020 | — | — | — | $59.5M | $1.43 | −$261.0M | $21.0M | $7.9B | $7.3B | $567.9M | $318.3M | — |
| FY2019 | — | — | — | $18.0M | $0.44 | −$482.5M | $37.2M | $4.8B | $4.3B | $532.4M | $221.4M | — |
| FY2018 | — | — | — | $51.4M | $1.24 | $6.3M | $111.3M | $3.7B | $3.2B | $493.6M | — | — |
| FY2017 | — | — | — | $100.5M | $2.65 | −$287.5M | $124.1M | $2.8B | $2.3B | $436.9M | — | — |
| FY2016 | — | — | — | $13.8M | $0.39 | −$221.9M | $10.9M | $1.8B | $1.5B | $222.8M | — | — |
| FY2015 | — | — | — | $20.6M | $0.65 | −$334.7M | $30.5M | $1.1B | $853.1M | $199.5M | — | — |
| FY2014 | — | — | — | $10.0M | $0.41 | −$261.5M | $14.3M | $673.3M | $581.5M | $91.8M | — | — |
Latest filings
the most recent regulatory filings8-KCurrent report — material event2026-07-02 ↗4Insider ownership filing2026-06-25 ↗144Notice of proposed insider sale2026-06-24 ↗8-KCurrent report — material event2026-06-18 ↗4Insider ownership filing2026-06-12 ↗144Notice of proposed insider sale2026-06-11 ↗144Notice of proposed insider sale2026-06-10 ↗4Insider ownership filing2026-06-05 ↗144Notice of proposed insider sale2026-06-04 ↗144Notice of proposed insider sale2026-06-03 ↗
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