Live Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Live Oak Bancshares
LOB Stock  USD 34.71  0.36  1.05%   
Live Oak's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Live Oak's valuation are provided below:
Gross Profit
434.2 M
Profit Margin
0.1602
Market Capitalization
1.6 B
Enterprise Value Revenue
3.3328
Revenue
434.2 M
We have found one hundred twenty available fundamental ratios for Live Oak, which can be analyzed and compared to other ratios and to its peers in the industry. All investors should make sure to check all of Live Oak last-minute market performance against the performance between 2010 and 2026 to make sure the company can sustain itself down the road. The current year's Enterprise Value is expected to grow to about 1.3 B, whereas Market Cap is forecasted to decline to about 1.4 B.

Live Oak Total Revenue

1.12 Billion

Check Live Oak financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Live Oak's main balance sheet or income statement drivers, such as Depreciation And Amortization of 28.1 M, Interest Expense of 527 M or Selling General Administrative of 234.4 M, as well as many indicators such as Price To Sales Ratio of 2.09, Dividend Yield of 0.0033 or PTB Ratio of 1.95. Live financial statements analysis is a perfect complement when working with Live Oak Valuation or Volatility modules.
  
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Check out the analysis of Live Oak Correlation against competitors.

Live Oak Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets15.6 B14.9 B5.7 B
Slightly volatile
Short and Long Term Debt Total180.4 M129.7 M153.8 M
Pretty Stable
Total Current Liabilities14.2 B13.5 B3.4 B
Slightly volatile
Total Stockholder Equity1.2 B1.1 B497.9 M
Slightly volatile
Property Plant And Equipment Net174.4 M303.7 M159 M
Slightly volatile
Cash735.4 M700.4 M276.4 M
Slightly volatile
Non Current Assets Total14.9 B14.2 B3.4 B
Slightly volatile
Other Assets13.1 B12.4 B4.5 B
Slightly volatile
Cash And Short Term Investments651.9 M729.6 M571.9 M
Slightly volatile
Common Stock Total Equity227.8 M380.5 M222 M
Slightly volatile
Common Stock Shares Outstanding41.1 M52.8 M38 M
Slightly volatile
Short Term Investments27.7 M29.1 M302.1 M
Slightly volatile
Liabilities And Stockholders Equity15.6 B14.9 B5.7 B
Slightly volatile
Non Current Liabilities Total184.6 M206.3 M162.2 M
Pretty Stable
Total Liabilities14.4 B13.7 B5.2 B
Slightly volatile
Property Plant And Equipment Gross461.3 M439.3 M206.8 M
Slightly volatile
Total Current Assets650.3 M729.6 M570.6 M
Slightly volatile
Common Stock251 M420.4 M228.6 M
Slightly volatile
Good Will25.6 M37 M21.5 M
Slightly volatile
Intangible Assets849.9 K894.6 K12.8 M
Slightly volatile
Other Liabilities89.1 M84.8 M41.9 M
Slightly volatile
Accounts Payable10.7 B10.2 B4.4 B
Slightly volatile
Long Term Debt202.8 M129.7 M151.8 M
Pretty Stable
Inventory530.1 K558 K56.2 M
Slightly volatile
Property Plant Equipment196.8 M306.2 M160.3 M
Slightly volatile
Net Tangible Assets497.6 M932.7 M440.6 M
Slightly volatile
Long Term Investments1.3 B1.4 B907.3 M
Slightly volatile
Short Term Debt613.9 K646.2 K18.1 M
Slightly volatile
Net Receivables27.6 M23.7 M35.2 M
Slightly volatile
Retained Earnings Total Equity691.3 M658.4 M251 M
Slightly volatile
Long Term Debt Total237.9 M129.7 M157.2 M
Pretty Stable
Non Current Liabilities Other47.7 M87.8 M43.3 M
Slightly volatile
Earning Assets985.5 M1.9 B1.1 B
Slightly volatile
Capital Lease Obligations4.3 K4.5 K2.1 M
Slightly volatile
Net Invested Capital1 B1.3 B772.3 M
Slightly volatile
Capital Stock366.5 M420.4 M337.9 M
Slightly volatile

Live Oak Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization28.1 M26.8 M13.1 M
Slightly volatile
Interest Expense527 M501.9 M135 M
Slightly volatile
Selling General Administrative234.4 M223.2 M104.2 M
Slightly volatile
Selling And Marketing Expenses13.5 M12.8 M6.4 M
Slightly volatile
Total Revenue1.1 B1.1 B386.6 M
Slightly volatile
Gross Profit478.9 M456.1 M220.6 M
Slightly volatile
Other Operating Expenses1 B966.1 M318.4 M
Slightly volatile
Operating Income73.4 M102.6 M66.2 M
Slightly volatile
EBIT73.4 M102.6 M66.2 M
Slightly volatile
EBITDA86.6 M129.4 M78.4 M
Slightly volatile
Cost Of Revenue643.2 M612.6 M166 M
Slightly volatile
Total Operating Expenses371.2 M353.5 M152.4 M
Slightly volatile
Income Before Tax73.4 M102.6 M66.2 M
Slightly volatile
Net Income65 M89.1 M58.6 M
Slightly volatile
Net Income Applicable To Common Shares73 M89.1 M61.3 M
Slightly volatile
Net Income From Continuing Ops76.8 M89 M57.3 M
Slightly volatile
Net Interest Income453.9 M432.3 M173.5 M
Slightly volatile
Interest Income980.9 M934.2 M309.9 M
Slightly volatile
Non Recurring2.9 M3.3 M3.6 M
Slightly volatile
Reconciled Depreciation21.3 M26.8 M16.2 M
Slightly volatile

Live Oak Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation31.6 M30.1 M12 M
Slightly volatile
Begin Period Cash Flow703.4 M669.9 M250.6 M
Slightly volatile
Depreciation28.1 M26.8 M13.1 M
Slightly volatile
Capital Expenditures40.8 M56.7 M36.6 M
Slightly volatile
Net Income64.9 M89 M58.5 M
Slightly volatile
Total Cash From Financing Activities927.3 M1.8 B858.3 M
Slightly volatile
End Period Cash Flow735.1 M700.1 M288.8 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.092.25.4346
Slightly volatile
Dividend Yield0.00330.00350.012
Slightly volatile
PTB Ratio1.952.055.802
Slightly volatile
Book Value Per Share21.0720.0711.258
Slightly volatile
Stock Based Compensation To Revenue0.02470.02540.0289
Slightly volatile
Capex To Depreciation2.312.446.4056
Slightly volatile
PB Ratio1.952.055.802
Slightly volatile
EV To Sales1.511.595.059
Slightly volatile
ROIC0.07150.07530.1457
Slightly volatile
Net Income Per Share1.181.551.4127
Slightly volatile
Sales General And Administrative To Revenue0.370.240.3348
Slightly volatile
Capex To Revenue0.0580.0610.1602
Slightly volatile
Cash Per Share11.5612.6913.4188
Slightly volatile
Interest Coverage0.220.242.3653
Slightly volatile
Payout Ratio0.07620.08020.4527
Slightly volatile
ROE0.08470.08920.2139
Slightly volatile
PE Ratio30.126.4228.1003
Slightly volatile
Return On Tangible Assets0.00650.00690.0228
Slightly volatile
Earnings Yield0.04080.03920.0482
Pretty Stable
Current Ratio0.05890.0620.1597
Slightly volatile
Tangible Book Value Per Share21.0720.0711.258
Slightly volatile
Graham Number14.3626.3917.3729
Slightly volatile
Shareholders Equity Per Share20.9719.9811.2441
Slightly volatile
Debt To Equity0.09660.10.338
Very volatile
Capex Per Share0.780.990.9193
Pretty Stable
Revenue Per Share19.5118.588.5817
Slightly volatile
Interest Debt Per Share11.5310.986.3694
Slightly volatile
Debt To Assets0.00950.010.0314
Pretty Stable
Enterprise Value Over EBITDA20.1113.1219.1243
Slightly volatile
Price Earnings Ratio30.126.4228.1003
Slightly volatile
Price Book Value Ratio1.952.055.802
Slightly volatile
Dividend Payout Ratio0.07620.08020.4527
Slightly volatile
Pretax Profit Margin0.10.110.2463
Slightly volatile
Operating Profit Margin0.10.110.2463
Slightly volatile
Company Equity Multiplier7.7211.669.656
Slightly volatile
Long Term Debt To Capitalization0.170.120.1535
Very volatile
Total Debt To Capitalization0.210.120.1889
Pretty Stable
Return On Capital Employed0.08240.08680.1632
Slightly volatile
Debt Equity Ratio0.09660.10.338
Very volatile
Ebit Per Revenue0.10.110.2463
Slightly volatile
Quick Ratio0.05890.0620.1597
Slightly volatile
Net Income Per E B T0.710.780.8994
Slightly volatile
Cash Ratio0.09720.05960.0893
Slightly volatile
Price To Book Ratio1.952.055.802
Slightly volatile
Fixed Asset Turnover2.74.052.8529
Slightly volatile
Enterprise Value Multiple20.1113.1219.1243
Slightly volatile
Debt Ratio0.00950.010.0314
Pretty Stable
Price Sales Ratio2.092.25.4346
Slightly volatile
Return On Assets0.00650.00690.0228
Slightly volatile
Asset Turnover0.09960.08260.0943
Slightly volatile
Net Profit Margin0.09110.09590.2248
Slightly volatile
Gross Profit Margin0.840.490.7538
Slightly volatile
Price Fair Value1.952.055.802
Slightly volatile
Return On Equity0.08470.08920.2139
Slightly volatile

Live Oak Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.4 B1.6 B1.4 B
Slightly volatile
Enterprise Value1.3 B1.2 B1.2 B
Slightly volatile

Live Fundamental Market Drivers

Forward Price Earnings10.1626
Cash And Short Term Investments634.4 M

Live Upcoming Events

24th of April 2024
Upcoming Quarterly Report
View
23rd of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
22nd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Live Oak Financial Statements

Live Oak stakeholders use historical fundamental indicators, such as Live Oak's revenue or net income, to determine how well the company is positioned to perform in the future. Although Live Oak investors may analyze each financial statement separately, they are all interrelated. For example, changes in Live Oak's assets and liabilities are reflected in the revenues and expenses on Live Oak's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Live Oak Bancshares. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue1.1 B1.1 B
Cost Of Revenue612.6 M643.2 M
Stock Based Compensation To Revenue 0.03  0.02 
Sales General And Administrative To Revenue 0.24  0.37 
Capex To Revenue 0.06  0.06 
Revenue Per Share 18.58  19.51 
Ebit Per Revenue 0.11  0.10 

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When determining whether Live Oak Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Live Oak's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Live Oak Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Live Oak Bancshares Stock:
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Check out the analysis of Live Oak Correlation against competitors.
You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Live Oak. If investors know Live will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Live Oak listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.964
Dividend Share
0.12
Earnings Share
1.49
Revenue Per Share
9.537
Quarterly Revenue Growth
0.296
The market value of Live Oak Bancshares is measured differently than its book value, which is the value of Live that is recorded on the company's balance sheet. Investors also form their own opinion of Live Oak's value that differs from its market value or its book value, called intrinsic value, which is Live Oak's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Live Oak's market value can be influenced by many factors that don't directly affect Live Oak's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
Please note, there is a significant difference between Live Oak's value and its price as these two are different measures arrived at by different means. Investors typically determine if Live Oak is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Live Oak's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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