Live Historical Income Statement

LOB Stock

USD 40.66 0.71 1.78%

Historical analysis of Live Oak income statement accounts such as Selling And Marketing Expenses of 15.2 M can show how well Live Oak Bancshares performed in making a profits. Evaluating Live Oak income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Live Oak's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Live Oak Bancshares latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Live Oak Bancshares is a good buy for the upcoming year.

Net Income Gross Profit

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

About Live Income Statement Analysis

Live Oak Bancshares Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Live Oak shareholders. The income statement also shows Live investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Live Oak Income Statement Chart

At present, Live Oak's Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 414.1 M, whereas Operating Income is forecasted to decline to about 93.5 M.

Depreciation And Amortization Selling General Administrative Selling And Marketing Expenses Total Revenue Gross Profit

Depreciation And Amortization

The systematic reduction in the recorded value of an intangible asset. This includes the allocation of the cost of tangible assets to periods in which the assets are used, representing the expense related to the wear and tear, deterioration, or obsolescence of physical assets and intangible assets over their useful lives.

Total Revenue

Total revenue comprises all receipts Live Oak Bancshares generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Live Oak Bancshares minus its cost of goods sold. It is profit before Live Oak operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Most accounts from Live Oak's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Live Oak Bancshares current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Live Oak Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.

	2022	2023	2024	2025 (projected)
Interest Expense	117.0M	343.0M	394.4M	414.1M
Depreciation And Amortization	20.8M	21.3M	24.5M	25.7M

Interest Expense Depreciation And Amortization

Live Oak income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Non Recurring	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.76	0.93	0.78	0.71	0.71	0.37	0.58	0.6	0.67	0.32	0.61	-0.31	0.64	0.35	-0.85	0.69	0.02	0.91	0.86	-0.48	0.96	-0.92
Interest Expense	0.76		0.89	0.94	0.16	0.16	0.82	0.29	0.26	0.32	0.85	0.3	-0.14	0.31	0.17	-0.66	0.36	-0.02	0.89	0.97	-0.77	0.75	-0.6
Selling General Administrative	0.93	0.89		0.94	0.56	0.56	0.56	0.61	0.59	0.65	0.59	0.6	-0.4	0.63	0.39	-0.77	0.67	0.07	0.96	0.95	-0.63	0.88	-0.78
Selling And Marketing Expenses	0.78	0.94	0.94		0.29	0.29	0.77	0.51	0.46	0.5	0.79	0.46	-0.38	0.48	0.32	-0.61	0.53	0.07	0.89	0.94	-0.72	0.72	-0.61
Total Revenue	0.71	0.16	0.56	0.29		1.0	-0.32	0.8	0.84	0.87	-0.29	0.84	-0.48	0.85	0.65	-0.63	0.86	0.37	0.58	0.38	-0.03	0.66	-0.67
Gross Profit	0.71	0.16	0.56	0.29	1.0		-0.32	0.8	0.84	0.87	-0.29	0.84	-0.48	0.85	0.65	-0.63	0.86	0.37	0.58	0.38	-0.03	0.66	-0.67
Other Operating Expenses	0.37	0.82	0.56	0.77	-0.32	-0.32		-0.08	-0.13	-0.09	0.91	-0.13	0.06	-0.13	-0.1	-0.23	-0.08	-0.17	0.51	0.68	-0.7	0.34	-0.29
Operating Income	0.58	0.29	0.61	0.51	0.8	0.8	-0.08		0.96	0.96	0.04	0.96	-0.79	0.96	0.75	-0.5	0.95	0.56	0.64	0.48	-0.08	0.55	-0.5
Ebit	0.6	0.26	0.59	0.46	0.84	0.84	-0.13	0.96		0.99	-0.01	0.98	-0.66	0.98	0.75	-0.46	0.98	0.54	0.62	0.45	-0.08	0.54	-0.51
Ebitda	0.67	0.32	0.65	0.5	0.87	0.87	-0.09	0.96	0.99		0.01	0.97	-0.64	0.98	0.74	-0.53	0.98	0.49	0.67	0.51	-0.1	0.62	-0.58
Total Operating Expenses	0.32	0.85	0.59	0.79	-0.29	-0.29	0.91	0.04	-0.01	0.01		0.01	-0.04	0.02	-0.01	-0.23	0.06	-0.06	0.57	0.73	-0.74	0.3	-0.13
Income Before Tax	0.61	0.3	0.6	0.46	0.84	0.84	-0.13	0.96	0.98	0.97	0.01		-0.6	0.99	0.82	-0.58	0.98	0.63	0.67	0.5	-0.09	0.59	-0.49
Total Other Income Expense Net	-0.31	-0.14	-0.4	-0.38	-0.48	-0.48	0.06	-0.79	-0.66	-0.64	-0.04	-0.6		-0.63	-0.34	0.14	-0.63	-0.2	-0.36	-0.26	0.01	-0.26	0.3
Net Income	0.64	0.31	0.63	0.48	0.85	0.85	-0.13	0.96	0.98	0.98	0.02	0.99	-0.63		0.73	-0.57	0.99	0.52	0.68	0.51	-0.09	0.61	-0.52
Income Tax Expense	0.35	0.17	0.39	0.32	0.65	0.65	-0.1	0.75	0.75	0.74	-0.01	0.82	-0.34	0.73		-0.48	0.73	0.89	0.49	0.34	-0.06	0.39	-0.29
Cost Of Revenue	-0.85	-0.66	-0.77	-0.61	-0.63	-0.63	-0.23	-0.5	-0.46	-0.53	-0.23	-0.58	0.14	-0.57	-0.48		-0.6	-0.27	-0.84	-0.77	0.33	-0.91	0.76
Net Income From Continuing Ops	0.69	0.36	0.67	0.53	0.86	0.86	-0.08	0.95	0.98	0.98	0.06	0.98	-0.63	0.99	0.73	-0.6		0.5	0.72	0.56	-0.16	0.64	-0.55
Tax Provision	0.02	-0.02	0.07	0.07	0.37	0.37	-0.17	0.56	0.54	0.49	-0.06	0.63	-0.2	0.52	0.89	-0.27	0.5		0.25	0.13	0.01	0.12	0.0
Net Interest Income	0.91	0.89	0.96	0.89	0.58	0.58	0.51	0.64	0.62	0.67	0.57	0.67	-0.36	0.68	0.49	-0.84	0.72	0.25		0.97	-0.62	0.91	-0.77
Interest Income	0.86	0.97	0.95	0.94	0.38	0.38	0.68	0.48	0.45	0.51	0.73	0.5	-0.26	0.51	0.34	-0.77	0.56	0.13	0.97		-0.72	0.85	-0.7
Non Recurring	-0.48	-0.77	-0.63	-0.72	-0.03	-0.03	-0.7	-0.08	-0.08	-0.1	-0.74	-0.09	0.01	-0.09	-0.06	0.33	-0.16	0.01	-0.62	-0.72		-0.42	0.3
Reconciled Depreciation	0.96	0.75	0.88	0.72	0.66	0.66	0.34	0.55	0.54	0.62	0.3	0.59	-0.26	0.61	0.39	-0.91	0.64	0.12	0.91	0.85	-0.42		-0.92
Extraordinary Items	-0.92	-0.6	-0.78	-0.61	-0.67	-0.67	-0.29	-0.5	-0.51	-0.58	-0.13	-0.49	0.3	-0.52	-0.29	0.76	-0.55	0.0	-0.77	-0.7	0.3	-0.92

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Live Oak Account Relationship Matchups

Live Oak income statement Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Depreciation And Amortization	21.7M	21.4M	20.8M	21.3M	24.5M	25.7M
Interest Expense	93.7M	64.4M	117.0M	343.0M	394.4M	414.1M
Selling General Administrative	120.0M	132.0M	180.6M	191.7M	220.5M	231.5M
Selling And Marketing Expenses	3.5M	5.0M	10.5M	12.6M	14.4M	15.2M
Total Revenue	284.6M	442.0M	391.9M	119.5M	137.4M	193.3M
Gross Profit	284.6M	442.0M	391.9M	119.5M	137.4M	193.3M
Other Operating Expenses	(237.2M)	(231.2M)	(64.6M)	433.6M	498.6M	523.6M
Operating Income	47.4M	210.8M	327.3M	103.5M	119.0M	93.5M
Ebit	47.4M	210.8M	210.3M	82.8M	95.3M	81.8M
Ebitda	69.1M	232.2M	231.1M	104.1M	119.7M	94.0M
Total Operating Expenses	(237.2M)	(231.2M)	(64.6M)	433.6M	498.6M	523.6M
Income Before Tax	47.4M	210.8M	210.3M	82.8M	95.3M	71.5M
Total Other Income Expense Net	(14.7M)	(4.9M)	(117.0M)	(20.6M)	(18.6M)	(19.5M)
Net Income	59.5M	167.0M	176.2M	73.9M	85.0M	63.4M
Income Tax Expense	(12.2M)	43.8M	34.1M	8.9M	10.3M	8.8M
Net Income Applicable To Common Shares	18.0M	59.5M	167.0M	176.2M	202.6M	212.8M
Net Income From Continuing Ops	59.5M	167.0M	176.2M	73.9M	85.0M	76.0M
Tax Provision	(12.2M)	43.8M	34.1M	8.9M	10.3M	11.0M
Net Interest Income	194.7M	296.8M	327.5M	345.3M	397.1M	417.0M
Interest Income	288.4M	361.2M	444.5M	688.3M	791.5M	831.1M
Reconciled Depreciation	21.7M	21.4M	20.8M	21.3M	24.5M	20.7M

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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:

How To Invest In Live

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Is Live Stock a good investment?

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What is Live Oak's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.

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

(0.68)

Dividend Share

0.12

Earnings Share

1.87

Revenue Per Share

9.05

Quarterly Revenue Growth

(0.19)

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.

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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Live Historical Income Statement

About Live Income Statement Analysis

Live Oak Income Statement Chart

Depreciation And Amortization

Total Revenue

Gross Profit

Live Oak income statement Correlations

Live Oak Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Live Oak income statement Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Gross Profit	+ 1.0	Total Revenue
Ebitda	+ 0.99	Ebit
Net Income	+ 0.99	Income Before Tax
Net Income From Continuing Ops	+ 0.99	Net Income
Income Before Tax	+ 0.98	Ebit
Net Income	+ 0.98	Ebit

Extraordinary Items	- 0.92	Reconciled Depreciation
Extraordinary Items	- 0.92	Depreciation And Amortization
Reconciled Depreciation	- 0.91	Cost Of Revenue
Cost Of Revenue	- 0.85	Depreciation And Amortization
Net Interest Income	- 0.84	Cost Of Revenue
Total Other Income Expense Net	- 0.79	Operating Income