# Live Oak Bancshares, Inc.: financial statements, quarterly

LOB · NYSE · CIK 1462120 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/lob.md) · [Financials](/companies/lob/financials.md) · [Filings](/companies/lob/filings.md) · [Insiders](/companies/lob/insiders.md)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/lob/financials.md?period=annual).

## Income statement

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Interest expense | $m | [91.2](/filings/0001462120-23-000069.md) | [97.0 d](/filings/0001462120-24-000014.md) | [102](/filings/0001462120-24-000038.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [3.0](/filings/0001462120-24-000065.md) | [1.3 d](/filings/0001462120-26-000020.md) | [(5.5)](/filings/0001462120-25-000035.md) | [9.1](/filings/0001462120-25-000067.md) | [4.8](/filings/0001462120-25-000106.md) | [3.4 d](/filings/0001462120-26-000020.md) | [3.5](/filings/0001462120-26-000039.md) | [7.8](/filings/0001462120-26-000058.md) | [10.1](/filings/0001462120-25-000106.md) | [15.8 d](/filings/0001462120-26-000020.md) | [10.1](/filings/0001462120-26-000039.md) | [9.1](/filings/0001462120-26-000058.md) |
| Net income | $m | [39.8](/filings/0001462120-24-000065.md) | [16.2 d](/filings/0001462120-26-000020.md) | [27.6](/filings/0001462120-25-000035.md) | [27.0](/filings/0001462120-25-000067.md) | [13.0](/filings/0001462120-25-000106.md) | [9.9 d](/filings/0001462120-26-000020.md) | [9.7](/filings/0001462120-26-000039.md) | [23.4](/filings/0001462120-26-000058.md) | [26.5](/filings/0001462120-25-000106.md) | [46.2 d](/filings/0001462120-26-000020.md) | [30.0](/filings/0001462120-26-000039.md) | [36.8](/filings/0001462120-26-000058.md) |
| Diluted EPS | $ per share | [0.88](/filings/0001462120-24-000065.md) | not reported | [0.60](/filings/0001462120-25-000035.md) | [0.59](/filings/0001462120-25-000067.md) | [0.28](/filings/0001462120-25-000106.md) | not reported | [0.21](/filings/0001462120-26-000039.md) | [0.51](/filings/0001462120-26-000058.md) | [0.55](/filings/0001462120-25-000106.md) | not reported | [0.60](/filings/0001462120-26-000039.md) | [0.74](/filings/0001462120-26-000058.md) |
| Basic EPS | $ per share | [0.89](/filings/0001462120-24-000065.md) | not reported | [0.62](/filings/0001462120-25-000035.md) | [0.60](/filings/0001462120-25-000067.md) | [0.28](/filings/0001462120-25-000106.md) | not reported | [0.21](/filings/0001462120-26-000039.md) | [0.51](/filings/0001462120-26-000058.md) | [0.56](/filings/0001462120-25-000106.md) | not reported | [0.61](/filings/0001462120-26-000039.md) | [0.75](/filings/0001462120-26-000058.md) |

- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | Q3 FY2023 (2023-09-30) | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Total assets | $bn | [11.0](/filings/0001462120-24-000065.md) | [11.3](/filings/0001462120-25-000105.md) | [11.5](/filings/0001462120-24-000038.md) | [11.9](/filings/0001462120-24-000051.md) | [12.6](/filings/0001462120-24-000065.md) | [12.9](/filings/0001462120-26-000020.md) | [13.6](/filings/0001462120-25-000035.md) | [13.8](/filings/0001462120-25-000067.md) | [14.7](/filings/0001462120-25-000106.md) | [15.1](/filings/0001462120-26-000058.md) | [15.3](/filings/0001462120-26-000039.md) | [16.0](/filings/0001462120-26-000058.md) |
| Total liabilities | $bn | [10.1](/filings/0001462120-23-000069.md) | [10.4](/filings/0001462120-25-000105.md) | [10.6](/filings/0001462120-24-000038.md) | [10.9](/filings/0001462120-24-000051.md) | [11.6](/filings/0001462120-24-000065.md) | [11.9](/filings/0001462120-26-000020.md) | [12.6](/filings/0001462120-25-000035.md) | [12.8](/filings/0001462120-25-000067.md) | [13.5](/filings/0001462120-25-000106.md) | [13.9](/filings/0001462120-26-000058.md) | [14.0](/filings/0001462120-26-000039.md) | [14.7](/filings/0001462120-26-000058.md) |
| Long-term debt | $bn | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Short-term borrowings | $bn | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Shareholders' equity | $bn | [0.9](/filings/0001462120-24-000065.md) | [0.9](/filings/0001462120-25-000105.md) | [0.9](/filings/0001462120-24-000051.md) | [1.0](/filings/0001462120-24-000065.md) | [1.0](/filings/0001462120-24-000065.md) | [1.0](/filings/0001462120-26-000020.md) | [1.0](/filings/0001462120-25-000035.md) | [1.1](/filings/0001462120-25-000067.md) | [1.2](/filings/0001462120-25-000106.md) | [1.2](/filings/0001462120-26-000058.md) | [1.3](/filings/0001462120-26-000039.md) | [1.3](/filings/0001462120-26-000058.md) |

- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Long-term debt: not reported
- Short-term borrowings: not reported
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [155 d](/filings/0001462120-24-000065.md) | [(265) d](/filings/0001462120-26-000020.md) | [30.2](/filings/0001462120-25-000106.md) | [29.5 d](/filings/0001462120-25-000106.md) | [47.4 d](/filings/0001462120-25-000106.md) | [49.7 d](/filings/0001462120-26-000020.md) | [(29.8)](/filings/0001462120-26-000039.md) | [53.3 d](/filings/0001462120-26-000058.md) | [55.0 d](/filings/0001462120-25-000106.md) | [79.7 d](/filings/0001462120-26-000020.md) | [87.4](/filings/0001462120-26-000039.md) | [31.2 d](/filings/0001462120-26-000058.md) |
| Capital expenditure | $m | [8.3 d](/filings/0001462120-24-000065.md) | [21.6 d](/filings/0001462120-26-000020.md) | [21.7](/filings/0001462120-25-000035.md) | [17.2 d](/filings/0001462120-25-000067.md) | [6.4 d](/filings/0001462120-25-000106.md) | [4.0 d](/filings/0001462120-26-000020.md) | [2.3](/filings/0001462120-26-000039.md) | [1.4 d](/filings/0001462120-26-000058.md) | [1.7 d](/filings/0001462120-25-000106.md) | [9.3 d](/filings/0001462120-26-000020.md) | [2.0](/filings/0001462120-26-000039.md) | [2.8 d](/filings/0001462120-26-000058.md) |
| Dividends paid | $m | [1.3 d](/filings/0001462120-24-000065.md) | [1.3 d](/filings/0001462120-26-000020.md) | [1.3](/filings/0001462120-25-000035.md) | [1.4 d](/filings/0001462120-25-000067.md) | [1.4 d](/filings/0001462120-25-000106.md) | [1.4 d](/filings/0001462120-26-000020.md) | [1.4](/filings/0001462120-26-000039.md) | [1.4 d](/filings/0001462120-26-000058.md) | [1.4 d](/filings/0001462120-25-000106.md) | [1.4 d](/filings/0001462120-26-000020.md) | [1.4](/filings/0001462120-26-000039.md) | [1.4 d](/filings/0001462120-26-000058.md) |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
- Dividends paid: us-gaap:PaymentsOfDividends, us-gaap:PaymentsOfDividendsCommonStock

## Shares

| Line item | Unit | Q3 FY2022 (2022-09-30) | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [44.8](/filings/0001462120-23-000069.md) | [45.0](/filings/0001462120-24-000038.md) | [44.8](/filings/0001462120-24-000051.md) | [45.3](/filings/0001462120-24-000065.md) | [45.6](/filings/0001462120-25-000035.md) | [45.5](/filings/0001462120-25-000067.md) | [46.0](/filings/0001462120-25-000106.md) | [45.8](/filings/0001462120-26-000039.md) | [45.8](/filings/0001462120-26-000058.md) | [46.2](/filings/0001462120-25-000106.md) | [46.5](/filings/0001462120-26-000039.md) | [46.6](/filings/0001462120-26-000058.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 46,283,620 at 2026-08-03, from the cover of the [10-Q filed 2026-08-04](/filings/0001462120-26-000058.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 24, 2026, 15:40 ET. No prices; not investment advice.