LOB
Income statement / Annual
Last year (2023), Live Oak Bancshares, Inc.'s total revenue was $119.49 M,
a decrease of 69.51% from the previous year.
In 2023, Live Oak Bancshares, Inc.'s net income was $73.90 M.
See Live Oak Bancshares, Inc.’s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
FY-2015
|
FY-2014
|
| Period Ended |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
12/31/2015 |
12/31/2014 |
| Operating Revenue |
$119.49 M
|
$391.86 M
|
$441.99 M
|
$284.62 M
|
$205.98 M
|
$205.84 M
|
$177.30 M
|
$130.17 M
|
$104.09 M
|
$76.92 M
|
| Cost of Revenue |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Gross Profit |
$119.49 M |
$391.86 M |
$441.99 M |
$284.62 M |
$205.98 M |
$205.84 M |
$177.30 M |
$130.17 M |
$104.09 M |
$76.92 M |
| Gross Profit Ratio |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
1 |
| Research and Development
Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative
Expenses |
$191.72 M
|
$180.58 M
|
$132.00 M
|
$120.00 M
|
$110.27 M
|
$102.72 M
|
$96.87 M
|
$76.50 M
|
$51.29 M
|
$37.22 M
|
| Selling & Marketing
Expenses |
$12.56 M
|
$10.54 M
|
$5.00 M
|
$3.51 M
|
$5.94 M
|
$6.02 M
|
$6.36 M
|
$4.53 M
|
$4.33 M
|
$3.32 M
|
| Selling, General &
Administrative Expenses |
$204.28 M
|
$191.12 M
|
$137.00 M
|
$123.51 M
|
$116.20 M
|
$108.74 M
|
$103.23 M
|
$81.03 M
|
$55.62 M
|
$40.53 M
|
| Other Expenses |
$229.30 M |
-$255.68 M |
-$392.19 M |
-$376.54 M |
-$298.72 M |
-$213.93 M |
-$40.21 M |
-$33.43 M |
$0.00 |
-$94.17 M |
| Operating Expenses |
$12.56 M |
-$64.56 M |
-$231.20 M |
-$237.24 M |
-$182.51 M |
-$105.20 M |
$6.36 M |
$4.53 M |
$4.33 M |
-$53.63 M |
| Cost And Expenses |
$707.04 M |
-$64.56 M |
-$231.20 M |
-$237.24 M |
-$182.51 M |
-$105.20 M |
$6.36 M |
$4.53 M |
$4.33 M |
-$53.63 M |
| Interest Income |
$688.28 M |
$444.47 M |
$361.21 M |
$288.41 M |
$227.98 M |
$162.64 M |
$103.47 M |
$57.27 M |
$34.45 M |
$20.51 M |
| Interest Expense |
$342.97 M |
$116.97 M |
$64.43 M |
$93.69 M |
$87.90 M |
$54.60 M |
$25.44 M |
$14.62 M |
$8.86 M |
$5.85 M |
| Depreciation &
Amortization |
$21.27 M
|
$20.78 M
|
$21.37 M
|
$21.69 M
|
$19.97 M
|
$16.39 M
|
$10.28 M
|
$4.20 M
|
$3.44 M
|
$2.16 M
|
| EBITDA |
$104.10 M
|
$231.11 M
|
$232.15 M
|
$69.08 M
|
$42.83 M
|
$62.43 M
|
$108.53 M
|
$21.47 M
|
$37.83 M
|
$17.06 M
|
| EBITDA Ratio |
0.87 |
0.89 |
0.53 |
0.24 |
0.21 |
0.57 |
0.76 |
0.28 |
0.45 |
0.33 |
| Operating Income Ratio
|
0.87
|
0.84
|
0.48
|
0.17
|
0.11
|
0.49
|
0.7
|
0.24
|
0.42
|
0.3
|
| Total Other
Income/Expenses Net |
-$20.64 M
|
-$116.97 M
|
-$4.90 M
|
-$14.69 M
|
-$7.89 M
|
-$2.68 M
|
$63.66 M
|
-$24.66 M
|
-$26,000.00
|
$352,000.00
|
| Income Before Tax |
$82.83 M |
$210.32 M |
$210.79 M |
$47.39 M |
$23.47 M |
$46.05 M |
$98.25 M |
$17.21 M |
$34.40 M |
$17.44 M |
| Income Before Tax Ratio
|
0.69
|
0.54
|
0.48
|
0.17
|
0.11
|
0.22
|
0.55
|
0.13
|
0.33
|
0.23
|
| Income Tax Expense |
$8.93 M |
$34.12 M |
$43.79 M |
-$12.15 M |
$5.43 M |
-$5.40 M |
-$2.25 M |
$3.44 M |
$13.80 M |
$7.39 M |
| Net Income |
$73.90 M |
$176.21 M |
$167.00 M |
$59.54 M |
$18.03 M |
$51.45 M |
$100.50 M |
$13.77 M |
$20.63 M |
$10.05 M |
| Net Income Ratio |
0.62 |
0.45 |
0.38 |
0.21 |
0.09 |
0.25 |
0.57 |
0.11 |
0.2 |
0.13 |
| EPS |
1.67 |
4.33 |
3.87 |
1.46 |
0.45 |
1.28 |
2.75 |
0.4 |
0.66 |
0.35 |
| EPS Diluted |
1.64 |
4.22 |
3.71 |
1.43 |
0.44 |
1.24 |
2.65 |
0.39 |
0.65 |
0.34 |
| Weighted Average Shares
Out |
$44.35 M
|
$41.77 M
|
$43.17 M
|
$40.68 M
|
$40.22 M
|
$40.06 M
|
$36.59 M
|
$34.20 M
|
$31.08 M
|
$28.62 M
|
| Weighted Average Shares
Out Diluted |
$45.09 M
|
$41.77 M
|
$45.07 M
|
$41.77 M
|
$41.05 M
|
$41.45 M
|
$37.86 M
|
$35.09 M
|
$31.97 M
|
$29.36 M
|
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