Live Oak Bancshares, Inc.
LOB · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $231,428 | $257,066 | $236,340 | $239,916 |
| % Growth | -10% | 8.8% | -1.5% | – |
| Cost of Goods Sold | $0 | $138,315 | $141,537 | $148,675 |
| Gross Profit | $0 | $118,751 | $94,803 | $91,241 |
| % Margin | 0% | 46.2% | 40.1% | 38% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $0 | $52,682 | $51,559 | $48,267 |
| SG&A Expenses | $1,839 | $57,102 | $55,224 | $50,246 |
| Sales & Mktg Exp. | $1,839 | $4,420 | $3,665 | $1,979 |
| Other Operating Expenses | $191,211 | $30,447 | $26,447 | $27,766 |
| Operating Expenses | $193,050 | $87,549 | $81,671 | $78,012 |
| Operating Income | $38,378 | $31,202 | $13,132 | $13,229 |
| % Margin | 16.6% | 12.1% | 5.6% | 5.5% |
| Other Income/Exp. Net | -$1,806 | $0 | $0 | $0 |
| Pre-Tax Income | $36,572 | $31,202 | $13,132 | $13,229 |
| Tax Expense | $10,106 | $7,815 | $3,464 | $3,386 |
| Net Income | $26,516 | $23,428 | $9,717 | $9,900 |
| % Margin | 11.5% | 9.1% | 4.1% | 4.1% |
| EPS | 0.56 | 0.51 | 0.21 | 0.22 |
| % Growth | 9.8% | 142.9% | -4.5% | – |
| EPS Diluted | 0.55 | 0.51 | 0.21 | 0.22 |
| Weighted Avg Shares Out | 45,781 | 45,635 | 45,378 | 45,224 |
| Weighted Avg Shares Out Dil | 46,217 | 45,796 | 45,754 | 46,158 |
| Supplemental Information | – | – | – | – |
| Interest Income | $0 | $224,284 | $213,105 | $212,568 |
| Interest Expense | $0 | $115,063 | $112,573 | $115,094 |
| Depreciation & Amortization | $0 | $6,784 | $6,974 | $6,651 |
| EBITDA | $38,378 | $37,986 | $20,106 | $19,880 |
| % Margin | 16.6% | 14.8% | 8.5% | 8.3% |