Live Oak Bancshares, Inc.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $343.0M | $117.0M | $64.4M |
| Pretax income | $142.8M | $89.2M | $82.8M | $210.3M | $210.8M |
| Income tax expense | $37.2M | $11.8M | $8.9M | $34.1M | $43.8M |
| Net income | $105.9M | $77.5M | $73.9M | $176.2M | $167.0M |
| Balance Sheet | |||||
| Total assets | $15.1B | $12.9B | $11.3B | $9.9B | $8.2B |
| Total liabilities | $13.9B | $11.9B | $10.4B | $9.0B | $7.5B |
| Total debt | $102.4M | $112.8M | $23.4M | $83.2M | $318.3M |
| Stockholders' equity | $1.2B | $999.0M | $902.7M | $811.0M | $715.1M |
| Cash Flow Statement | |||||
| Cash from operations | $158.2M | $156.8M | $184.9M | -$300.7M | -$119.7M |
| Depreciation and amortization | $30.0M | $23.4M | $21.1M | $20.6M | $21.2M |
| Capital expenditure | $14.8M | $49.3M | $46.8M | $43.8M | $3.1M |
| Free cash flow | $143.5M | $107.5M | $138.1M | -$344.5M | -$122.8M |
| Dividends paid | $5.5M | $5.4M | $5.3M | $5.3M | $5.2M |
| Share repurchases | — | — | — | — | $953,000 |
Shares outstanding 46.3M · Free float 77.7%
Annual filing data through FY ended December 31, 2025; float as of July 13, 2026.