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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Live Oak Bancshares, Inc. Cash Flow Statement
LOB • NYSE
| Live Oak Bancshares, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||||||
105.6M | 77.4M | 73.9M | 176.2M | 167M | 59.5M | 18M | 51.4M | 100.5M | 13.8M | 20.6M | 10M | 27.9M | 14.8M | 14.3M | |
30.4M | 23.3M | 21.3M | 20.8M | 21.4M | 21.7M | 20M | 16.4M | 10.3M | 4.3M | 3.4M | 2.2M | 1.5M | 673K | 331K | |
-11.6M | -11.4M | -22.2M | 27.1M | 24.8M | -17.4M | 1.5M | -5.9M | 12M | -4.3M | 936K | 4.1M | 0.0 | 0.0 | 0.0 | |
26.2M | 26.2M | 17.9M | 20.3M | 17M | 14.7M | 11.7M | 9.2M | 7.5M | 12.1M | 1.4M | 3.4M | 188K | 331K | 344K | |
-36M | 415.3M | 489.7M | -97.7M | -351.9M | -277.3M | -552.1M | -49.2M | -395.2M | -240.1M | -363M | -277.7M | -76.8M | -46.8M | -32.4M | |
(26.6M) | (38.9M) | (5.3M) | (24.7M) | (19.7M) | (11.5M) | (0.0) | (1.8M) | (7.1M) | (8.2M) | (12.3M) | (3.8M) | (0.0) | (0.0) | (0.0) | |
43.6M | 5.7M | 39.5M | -22.3M | 2.1M | -62.3M | 18.3M | -15.6M | -22.7M | -7.7M | 2M | -3.5M | 3.1M | 2.8M | 6.5M | |
158.2M | 536.5M | 620.1M | 124.5M | -119.7M | -261M | -482.5M | 6.3M | -287.5M | -222M | -334.7M | -261.5M | -44.2M | -28.3M | -10.9M | |
INVESTING ACTIVITIES | |||||||||||||||
-14.8M | -49.3M | -46.8M | -43.8M | -3.1M | -21M | -37.2M | -111.3M | -124.1M | -10.9M | -30.5M | -14.3M | -7.7M | -14.2M | -5.2M | |
(4.4M) | (0.0) | (0.0) | (0.0) | (0.0) | -895K | (0.0) | -209K | -7.7M | (0.0) | (22K) | (0.0) | (0.0) | (0.0) | (0.0) | |
-311.5M | -285.1M | -246.2M | -442.6M | -428.2M | -396.2M | -253.1M | -347.2M | -43.1M | -37.4M | -24.9M | -41.3M | -20.7M | -1.8M | -13.4M | |
260.1M | 154.7M | 121.8M | 310.3M | 255.1M | 197.5M | 111.3M | 56.6M | 19.7M | 19.1M | 30.2M | 5M | 7M | 3.1M | 2.8M | |
-1.8B | -1.9B | -1.6B | -1.3B | 26.4M | -2.4B | -505.6M | -443.3M | -379.8M | -290.9M | 84.7M | 69.1M | 949K | 188K | -28.6M | |
-1.9B | -2.1B | -1.8B | -1.4B | -149.8M | -2.6B | -684.6M | -845.4M | -535M | -320.1M | (59.6M) | (18.5M) | -20.5M | -12.6M | -44.4M | |
FINANCING ACTIVITIES | |||||||||||||||
100.5M | 3.8M | 0.0 | 0.0 | -953K | 0.0 | 0.0 | 0.0 | 113.1M | 0.0 | 87.2M | 75.2M | -210K | 877K | 892K | |
-10.4M | 89.5M | -59.8M | -235.1M | -1.2B | 1.5B | -1.4M | -25.1M | -1.3M | -532K | -19.6M | 38.7M | -130K | 3.5M | 8.7M | |
-8.5M | -5.4M | -5.3M | -5.3M | -5.2M | -4.9M | -4.8M | -4.8M | -3.8M | -2.7M | -2.7M | -43.8M | -11.9M | -12.2M | -7M | |
(0.0) | (0.0) | (0.0) | (0.0) | -953K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -444K | (0.0) | (0.0) | |
1.9B | 1.5B | 1.4B | 1.8B | 1.4B | 1.4B | 1.1B | 893M | 771.8M | 680.7M | 282.9M | 165.6M | 70M | 65.3M | 54.3M | |
2B | 1.6B | 1.3B | 1.5B | 155M | 3B | 1.1B | 863.1M | 879.8M | 677.4M | 347.8M | 235.7M | 57.8M | 57.5M | 56.9M | |
CASH FLOW SUMMARY | |||||||||||||||
256.1M | 26.3M | 165.9M | 212.9M | -114.6M | 96.9M | -97.9M | 24M | 57.3M | 135.4M | 72.7M | -7.3M | -6.9M | 16.6M | 1.6M | |
608.8M | 582.5M | 416.6M | 203.8M | 318.3M | 221.4M | 319.3M | 295.3M | 238M | 102.6M | 29.9M | 37.2M | 44.2M | 27.5M | 26M | |
864.9M | 608.8M | 582.5M | 416.6M | 203.8M | 318.3M | 221.4M | 319.3M | 295.3M | 238M | 102.6M | 29.9M | 37.2M | 44.2M | 27.5M | |
143.5M | 487.2M | 573.2M | 80.7M | -122.8M | -282M | -519.7M | -105M | -411.7M | -232.8M | -365.1M | -275.9M | -51.9M | -42.4M | -16.1M |
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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