LOB - NYSE
Live Oak Bancshares, Inc.
$36.01
-3.6%Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
At a Glance
Live SnapshotLive Oak Bancshares, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
Live Oak Bancshares, Inc. Balance Sheet
LOB • NYSE
| Live Oak Bancshares, Inc. Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASSETS | |||||||||||||||
CURRENT ASSETS | |||||||||||||||
864.9M | 609.1M | 582.8M | 284.2M | 192M | 303.7M | 131.9M | 324.1M | 298.3M | 245.3M | 112.9M | 39.9M | 37.2M | 44.2M | 27.5M | |
861.6M | 25.3M | 1.1B | 1B | 906.1M | 750.1M | 540M | 380.5M | 93.4M | 71.1M | 53.8M | 49.3M | 19.4M | 15.4M | 16.8M | |
864.9M | 634.4M | 1.7B | 1.3B | 1.1B | 1.1B | 674M | 704.6M | 391.6M | 316.3M | 166.6M | 89.2M | 56.7M | 59.6M | 44.4M | |
85M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
85M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
949.9M | 634.4M | 1.7B | 1.3B | 1.1B | 1.1B | 674M | 704.6M | 388.6M | 316.3M | 166.6M | 89.2M | 56.7M | 59.6M | 44.4M | |
NON-CURRENT ASSETS | |||||||||||||||
240.2M | 264.1M | 257.9M | 263.3M | 240.2M | 259.3M | 281.5M | 262.5M | 178.8M | 64.7M | 62.7M | 35.3M | 25M | 19M | 5.5M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 32.2M | 32.2M | 7.3M | 18.7M | 0.0 | 0.0 | 6.4M | 2.7M | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.9M | 4.7M | 2.7M | 3.3M | 0.0 | 0.0 | 3.3M | 3.4M | 0.0 | |
12.2B | 11.6B | 8.9B | 7.8B | 6.6B | 6.3B | 3.6B | 2.5B | 2B | 1.3B | 753.2M | 501.1M | 309.5M | 232.7M | 193M | |
1.7B | 410.2M | 409.5M | 491M | 301M | 291.2M | 296.3M | 205M | 187.8M | 90.7M | 70.2M | 47.8M | 39.1M | 31.2M | 23.3M | |
14.2B | 12.3B | 9.6B | 8.6B | 7.1B | 6.8B | 4.1B | 3B | 2.4B | 1.4B | 886M | 584.1M | 373.7M | 282.9M | 221.8M | |
15.1B | 12.9B | 11.3B | 9.9B | 8.2B | 7.9B | 4.8B | 3.7B | 2.8B | 1.8B | 1.1B | 673.3M | 430.4M | 342.5M | 266.2M | |
LIABILITIES | |||||||||||||||
CURRENT LIABILITIES | |||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.6M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.2M | 0.0 | 0.0 | |
542K | 0.0 | 0.0 | 50M | 8M | 14.5M | 0.0 | 1.4M | 23M | 23.9M | 24M | 35.2M | 0.0 | 0.0 | 0.0 | |
0.0 | 11.8B | 10.3B | 8.9B | 7.1B | 5.7B | 4.2B | 3.1B | 2.3B | 1.5B | 804.8M | 522.1M | 356.6M | 286.7M | 222.2M | |
542K | 11.8B | 10.3B | 8.9B | 7.1B | 5.7B | 4.2B | 3.2B | 2.3B | 1.5B | 828.8M | 557.3M | 356.6M | 286.7M | 222.2M | |
NON-CURRENT LIABILITIES | |||||||||||||||
102.4M | 112.8M | 23.4M | 33.2M | 310.3M | 1.5B | 14K | 1.4M | 3.6M | 4M | 4.4M | 12.7M | 12.3M | 12.2M | 8.7M | |
13.8B | 66.6M | 70.4M | 76.3M | 67.9M | 49.5M | 53.4M | 24.4M | 34.7M | 15.5M | 15.6M | 11.5M | 13M | 11.8M | 7.8M | |
13.9B | 179.4M | 93.7M | 109.5M | 378.2M | 1.6B | 53.5M | 25.9M | 38.3M | 23.5M | 24.3M | 24.2M | 25.3M | 24M | 16.4M | |
1.6M | 0.0 | 0.0 | 0.0 | 5K | 9K | 14K | 16K | 0.0 | 4M | 4.4M | 0.0 | 0.0 | 0.0 | 0.0 | |
13.9B | 11.9B | 10.4B | 9B | 7.5B | 7.3B | 4.3B | 3.2B | 2.3B | 1.5B | 853.1M | 581.5M | 382M | 310.7M | 238.6M | |
SHAREHOLDERS' EQUITY | |||||||||||||||
96.3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
388.4M | 365.6M | 344.6M | 330.9M | 312.3M | 310.6M | 340.4M | 328.1M | 317.7M | 200M | 187.5M | 98.7M | 18.3M | 20.5M | 19.7M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 98.7M | 18.3M | 20.5M | 19.7M | |
809.9M | 715.8M | 642.8M | 572.5M | 400.9M | 235.7M | 180.3M | 167.1M | 120.2M | 23.5M | 12.1M | -6.9M | 30.3M | 12M | 7.4M | |
-44.7M | -82.3M | -84.7M | -92.3M | 1.9M | 21.5M | 11.7M | -1.7M | -1M | -652K | -192K | -98.6M | -18.5M | -20M | -19.2M | |
1.2B | 999M | 902.7M | 811M | 715.1M | 567.9M | 532.4M | 493.6M | 436.9M | 222.8M | 199.5M | 91.8M | 48.4M | 33.1M | 27.6M | |
1.3B | 1B | 902.7M | 811M | 715.1M | 567.9M | 532.4M | 493.6M | 436.9M | 222.8M | 199.5M | 91.8M | 48.4M | 31.8M | 27.6M | |
4.2M | 4.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 33K | 0.0 | 0.0 | -1.3M | 0.0 | |
SUMMARY | |||||||||||||||
15.1B | 12.9B | 11.3B | 9.9B | 8.2B | 7.9B | 4.8B | 3.7B | 2.8B | 1.8B | 1.1B | 673.3M | 430.4M | 342.5M | 266.2M | |
13.1B | 11.7B | 10B | 8.8B | 7.5B | 7B | 4.1B | 2.9B | 2.1B | 1.4B | 806.9M | 550.4M | 329M | 248.2M | 209.8M | |
104.6M | 112.8M | 23.4M | 83.2M | 318.3M | 1.5B | 28K | 2.9M | 26.6M | 31.8M | 32.8M | 47.9M | 12.3M | 12.2M | 8.7M | |
-760.3M | -496.2M | -559.4M | -201M | 126.3M | 1.2B | -131.8M | -321.2M | -271.7M | -213.4M | -80.1M | 8M | -24.9M | -32M | -18.9M | |
45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 | 45,731,300 |
SEC Filings
LOB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 22, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 02, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 19, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 13, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 21, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 01, 2025 | December 01, 2025 | 2025 |
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