Live Oak Bancshares, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Live Oak Bancshares, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $105.87M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $77.47M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $73.90M | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | $176.21M | Nov 17, 2025 |
| FY2023 | Dec 31, 2021 | $167.00M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $59.54M | Feb 23, 2023 |
| FY2020 | Dec 31, 2019 | $6.83M | Feb 25, 2021 |
| FY2020 | Dec 31, 2018 | $51.45M | Feb 25, 2021 |
| FY2019 | Dec 31, 2017 | $100.50M | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | $13.77M | Feb 27, 2019 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $158.24M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $156.78M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $184.90M | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | ($300.74M) | Nov 17, 2025 |
| FY2023 | Dec 31, 2021 | ($119.72M) | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | ($261.00M) | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | ($482.52M) | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $6.29M | Feb 25, 2021 |
| FY2019 | Dec 31, 2017 | ($287.53M) | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | ($221.95M) | Feb 27, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $14.76M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $49.31M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $46.84M | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | $43.75M | Nov 17, 2025 |
| FY2023 | Dec 31, 2021 | $3.08M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $20.99M | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $37.20M | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $111.32M | Feb 25, 2021 |
| FY2019 | Dec 31, 2017 | $124.14M | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | $10.89M | Feb 27, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $15.13B | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $12.94B | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $11.27B | Nov 17, 2025 |
| FY2023 | Dec 31, 2022 | $9.86B | Feb 22, 2024 |
| FY2023 | Dec 31, 2021 | $8.21B | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $7.87B | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $4.81B | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $3.67B | Feb 25, 2021 |
| FY2018 | Dec 31, 2017 | $2.76B | Feb 27, 2019 |
| FY2017 | Dec 31, 2016 | $1.76B | Mar 8, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $13.88B | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $11.94B | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $10.37B | Nov 17, 2025 |
| FY2023 | Dec 31, 2022 | $9.04B | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $7.50B | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $7.30B | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $4.28B | Feb 25, 2021 |
| FY2019 | Dec 31, 2018 | $3.18B | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $2.32B | Feb 27, 2019 |
| FY2017 | Dec 31, 2016 | $1.53B | Mar 8, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.25B | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $999.03M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $902.67M | Nov 17, 2025 |
| FY2023 | Dec 31, 2022 | $811.03M | Feb 22, 2024 |
| FY2023 | Dec 31, 2021 | $715.13M | Feb 22, 2024 |
| FY2023 | Dec 31, 2020 | $567.85M | Feb 22, 2024 |
| FY2022 | Dec 31, 2019 | $532.39M | Feb 23, 2023 |
| FY2021 | Dec 31, 2018 | $493.56M | Feb 24, 2022 |
| FY2020 | Dec 31, 2017 | $436.93M | Feb 25, 2021 |
| FY2019 | Dec 31, 2016 | $222.85M | Feb 27, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2024 | $1.80M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $1.80M | Feb 27, 2026 |
| FY2023 | Dec 31, 2022 | $1.80M | Feb 22, 2024 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $809.89M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $715.77M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $642.82M | Nov 17, 2025 |
| FY2023 | Dec 31, 2022 | $572.50M | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $400.89M | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $235.72M | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $180.27M | Feb 25, 2021 |
| FY2019 | Dec 31, 2018 | $167.12M | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $120.24M | Feb 27, 2019 |
| FY2017 | Dec 31, 2016 | $23.52M | Mar 8, 2018 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2018 | Dec 31, 2018 | $16.0K | Feb 27, 2019 |
| FY2018 | Dec 31, 2017 | $26.56M | Feb 27, 2019 |
| FY2017 | Dec 31, 2016 | $27.84M | Mar 8, 2018 |
| FY2016 | Dec 31, 2015 | $28.38M | Mar 9, 2017 |
| FY2015 | Dec 31, 2014 | $41.85M | Mar 14, 2016 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | 1 | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | 4 | Nov 17, 2025 |
| FY2023 | Dec 31, 2021 | 3 | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | 1 | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | 0 | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Feb 25, 2021 |
| FY2019 | Dec 31, 2017 | 2 | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | 0 | Feb 27, 2019 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 2 | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | 1 | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | 1 | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | 3 | Nov 17, 2025 |
| FY2023 | Dec 31, 2021 | 3 | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | 1 | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | 0 | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | 1 | Feb 25, 2021 |
| FY2019 | Dec 31, 2017 | 2 | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | 0 | Feb 27, 2019 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $5.49M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $5.41M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $5.33M | Feb 27, 2026 |