Live Oak Bancshares, Inc.

Financial Services · Banks - Regional

36.50$ -0.1% vs. previous close Closing price · As of: Oct 6, 2026

Statements

Income Statement

Live Oak Bancshares, Inc. (LOB) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Revenue" came in at 272 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of USD.

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Income Statement LOB
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	40	39	45	50	52	56	64	71	65	61	64	69	75	83	69	89	121	99	114	157	116	120	124	106	133	145	170	192	216	198	221	231	238	240	236	257	258	289	260	272	1,080
Cost of Revenue	7.7	8.4	6.3	7.5	9.6	12	15	16	14	23	22	25	28	30	35	36	34	29	17	24	19	18	17	25	46	70	88	98	101	106	119	119	146	149	142	138	138	120	135	142	535
Gross Profit	32	31	39	43	42	44	50	55	51	39	41	45	48	53	34	53	87	70	97	133	96	101	108	81	87	75	82	94	115	92	102	112	92	91	95	119	120	169	125	130	545
Research & Development	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	19	19	22	21	23	23	24	26	25	18	25	25	26	28	33	35	29	35	33	40	36	40	47	48	46	26	48	48	47	48	50	49	46	48	52	53	56	81	55	55	248
Total Operating Expenses	26	28	32	32	34	-29	37	40	40	31	39	39	42	44	50	48	41	58	53	57	53	53	65	-41	43	74	78	75	72	75	80	76	74	78	82	88	84	89	85	84	343
Operating Income	6.0	2.5	6.9	10	7.8	73	13	15	11	7.5	2.7	5.6	6.3	8.9	-15	5.3	45	12	44	76	43	48	43	122	44	0.7	3.6	19	43	17	22	36	18	13	13	31	37	80	40	46	203
Interest Expense	3.9	4.5	4.8	6.0	7.1	7.6	11	14	14	16	19	21	24	24	23	26	24	21	18	17	15	15	15	19	32	51	69	85	91	97	102	107	112	115	113	115	116	117	114	116	463
Pre-Tax Income	6.0	2.5	6.9	10	7.8	73	13	15	11	7.5	2.7	5.6	6.3	8.9	-15	5.3	45	12	44	76	43	48	43	122	44	0.7	3.6	19	43	17	22	36	18	13	13	31	37	80	40	46	203
Income Tax Expense	2.6	-3.0	0.8	0.4	-5.1	1.6	0.3	0.5	-3.2	-3.0	0.3	0.7	2.4	2.1	-7.8	1.5	12	-18	4.2	13	9.4	18	8.4	25	1.5	-1.1	3.2	1.4	3.0	1.3	-5.5	9.1	4.8	3.4	3.5	7.8	10	36	10	9.1	65
Net Income	3.5	5.5	6.1	9.8	13	72	12	14	14	10	2.4	4.9	3.9	6.8	-7.6	3.8	34	30	39	64	34	30	35	97	43	1.8	0.4	18	40	16	28	27	13	9.9	9.7	23	27	44	30	37	137
EBITDA	7.1	3.6	8.6	13	11	77	17	19	15	12	6.7	11	11	15	-9.8	11	51	17	49	81	49	53	48	127	49	5.9	8.8	24	48	23	27	41	24	20	20	38	43	84	47	52	226

LTM = last twelve months (sum of the four most recent quarters).

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: October 6, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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