L
Live Oak Bancshares Inc
NYSE:LOB
Live Oak Bancshares Inc
NYSE:LOB
Price:
32.25
USD
-0.83%
Market Closed
Market Cap:
$1.5B
Cash Flow Statement
Cash Flow Statement
Live Oak Bancshares Inc
Live Oak Bancshares Inc
Currency: USD
| Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | |||||||||||||||||||||||||||||||||||||||||||||
| Net Income |
10
|
18
|
15
|
17
|
21
|
17
|
13
|
14
|
14
|
15
|
25
|
34
|
101
|
107
|
111
|
113
|
51
|
41
|
32
|
22
|
18
|
8
|
7
|
37
|
60
|
107
|
166
|
166
|
167
|
162
|
196
|
205
|
176
|
142
|
63
|
60
|
74
|
101
|
111
|
84
|
77
|
59
|
56
|
69
|
|
| Depreciation & Amortization |
2
|
2
|
2
|
3
|
3
|
4
|
5
|
5
|
4
|
5
|
6
|
8
|
10
|
12
|
14
|
15
|
16
|
17
|
18
|
19
|
20
|
22
|
22
|
22
|
22
|
21
|
21
|
21
|
21
|
22
|
21
|
21
|
21
|
21
|
21
|
21
|
21
|
21
|
21
|
22
|
23
|
25
|
27
|
27
|
|
| Change in Deffered Taxes |
4
|
4
|
5
|
2
|
1
|
1
|
(1)
|
(1)
|
(4)
|
(3)
|
(1)
|
(3)
|
12
|
10
|
11
|
9
|
(6)
|
(7)
|
(7)
|
(3)
|
2
|
3
|
(9)
|
(7)
|
(17)
|
(23)
|
0
|
(0)
|
25
|
36
|
36
|
33
|
27
|
15
|
0
|
(3)
|
(22)
|
(24)
|
(13)
|
(18)
|
(11)
|
(6)
|
(12)
|
1
|
|
| Stock-Based Compensation |
3
|
4
|
4
|
4
|
1
|
2
|
5
|
8
|
12
|
13
|
12
|
10
|
8
|
8
|
8
|
9
|
9
|
10
|
10
|
11
|
12
|
12
|
12
|
13
|
15
|
17
|
18
|
18
|
17
|
17
|
18
|
19
|
20
|
22
|
23
|
18
|
18
|
18
|
19
|
25
|
26
|
27
|
27
|
26
|
|
| Other Non-Cash Items |
(1)
|
(11)
|
(10)
|
(7)
|
(8)
|
(4)
|
(2)
|
2
|
11
|
16
|
16
|
15
|
(50)
|
(49)
|
(47)
|
(39)
|
17
|
22
|
26
|
21
|
29
|
29
|
26
|
8
|
43
|
48
|
11
|
32
|
(7)
|
(13)
|
(88)
|
(114)
|
(100)
|
(101)
|
13
|
15
|
14
|
12
|
5
|
23
|
15
|
18
|
27
|
29
|
|
| Cash Taxes Paid |
4
|
6
|
13
|
12
|
12
|
13
|
6
|
7
|
8
|
9
|
13
|
10
|
7
|
5
|
(1)
|
(0)
|
2
|
(12)
|
(10)
|
(9)
|
(12)
|
2
|
1
|
8
|
12
|
12
|
20
|
19
|
20
|
19
|
18
|
20
|
25
|
25
|
23
|
9
|
5
|
7
|
23
|
30
|
39
|
37
|
23
|
29
|
|
| Cash Interest Paid |
6
|
6
|
7
|
8
|
9
|
10
|
11
|
12
|
15
|
17
|
19
|
22
|
25
|
31
|
39
|
46
|
54
|
62
|
69
|
79
|
87
|
93
|
97
|
96
|
92
|
86
|
78
|
72
|
67
|
64
|
66
|
82
|
118
|
171
|
236
|
296
|
343
|
376
|
399
|
419
|
437
|
446
|
455
|
459
|
|
| Change in Working Capital |
(277)
|
(298)
|
(360)
|
(389)
|
(351)
|
(398)
|
(342)
|
(263)
|
(246)
|
(269)
|
(280)
|
(358)
|
(360)
|
(296)
|
(207)
|
15
|
(73)
|
(138)
|
(303)
|
(551)
|
(565)
|
(542)
|
(360)
|
(486)
|
(368)
|
(360)
|
(508)
|
(330)
|
(326)
|
(133)
|
(88)
|
(32)
|
0
|
50
|
246
|
383
|
534
|
441
|
376
|
425
|
433
|
454
|
577
|
123
|
|
| Cash from Operating Activities |
(262)
N/A
|
(284)
-9%
|
(348)
-22%
|
(374)
-8%
|
(335)
+11%
|
(379)
-13%
|
(327)
+14%
|
(244)
+25%
|
(222)
+9%
|
(236)
-6%
|
(234)
+1%
|
(304)
-30%
|
(288)
+5%
|
(216)
+25%
|
(117)
+46%
|
113
N/A
|
6
-94%
|
(65)
N/A
|
(235)
-259%
|
(493)
-110%
|
(496)
-1%
|
(480)
+3%
|
(314)
+35%
|
(425)
-36%
|
(261)
+39%
|
(206)
+21%
|
(310)
-50%
|
(111)
+64%
|
(120)
-8%
|
74
N/A
|
77
+5%
|
113
+46%
|
125
+10%
|
127
+2%
|
342
+170%
|
476
+39%
|
620
+30%
|
552
-11%
|
500
-10%
|
536
+7%
|
536
+0%
|
551
+3%
|
675
+23%
|
249
-63%
|
|
| Investing Cash Flow | |||||||||||||||||||||||||||||||||||||||||||||
| Capital Expenditures |
(14)
|
(17)
|
(29)
|
(32)
|
(31)
|
(28)
|
(8)
|
(2)
|
(11)
|
(48)
|
(74)
|
(81)
|
(124)
|
(128)
|
(122)
|
(141)
|
(111)
|
(83)
|
(78)
|
(54)
|
(37)
|
(25)
|
(11)
|
(9)
|
(21)
|
(21)
|
(21)
|
(21)
|
(3)
|
(22)
|
(30)
|
(37)
|
(44)
|
(34)
|
(33)
|
(33)
|
(47)
|
(58)
|
(69)
|
(67)
|
(49)
|
(30)
|
(14)
|
(9)
|
|
| Other Items |
33
|
89
|
82
|
98
|
90
|
63
|
(94)
|
(153)
|
(309)
|
(413)
|
(419)
|
(425)
|
(411)
|
(694)
|
(724)
|
(747)
|
(734)
|
(643)
|
(643)
|
(665)
|
(634)
|
(524)
|
(2 379)
|
(2 608)
|
(2 599)
|
(2 576)
|
(448)
|
(24)
|
(147)
|
(224)
|
(559)
|
(1 064)
|
(1 399)
|
(1 748)
|
(1 791)
|
(1 892)
|
(1 728)
|
(1 403)
|
(1 533)
|
(1 814)
|
(2 030)
|
(2 370)
|
(2 485)
|
(1 983)
|
|
| Cash from Investing Activities |
19
N/A
|
72
+291%
|
53
-26%
|
66
+23%
|
60
-9%
|
35
-41%
|
(102)
N/A
|
(155)
-52%
|
(320)
-107%
|
(461)
-44%
|
(493)
-7%
|
(506)
-3%
|
(535)
-6%
|
(823)
-54%
|
(846)
-3%
|
(888)
-5%
|
(845)
+5%
|
(726)
+14%
|
(721)
+1%
|
(718)
+0%
|
(671)
+7%
|
(549)
+18%
|
(2 389)
-335%
|
(2 617)
-10%
|
(2 620)
0%
|
(2 597)
+1%
|
(469)
+82%
|
(45)
+90%
|
(150)
-231%
|
(247)
-65%
|
(589)
-139%
|
(1 101)
-87%
|
(1 442)
-31%
|
(1 782)
-24%
|
(1 823)
-2%
|
(1 926)
-6%
|
(1 775)
+8%
|
(1 461)
+18%
|
(1 601)
-10%
|
(1 881)
-17%
|
(2 079)
-11%
|
(2 400)
-15%
|
(2 499)
-4%
|
(1 993)
+20%
|
|
| Financing Cash Flow | |||||||||||||||||||||||||||||||||||||||||||||
| Net Issuance of Common Stock |
75
|
75
|
75
|
88
|
87
|
87
|
87
|
0
|
0
|
1
|
1
|
114
|
114
|
115
|
115
|
2
|
2
|
1
|
1
|
0
|
1
|
1
|
1
|
1
|
3
|
4
|
5
|
5
|
3
|
3
|
2
|
2
|
2
|
2
|
2
|
1
|
1
|
2
|
2
|
2
|
2
|
2
|
2
|
99
|
|
| Net Issuance of Debt |
39
|
37
|
34
|
(0)
|
(20)
|
(22)
|
(26)
|
(14)
|
(1)
|
12
|
34
|
(1)
|
(1)
|
(37)
|
(59)
|
(25)
|
(25)
|
(2)
|
(2)
|
(0)
|
(1)
|
49
|
1 720
|
1 746
|
1 542
|
1 411
|
(713)
|
(1 176)
|
(1 224)
|
(1 264)
|
(922)
|
(535)
|
(235)
|
(166)
|
(58)
|
(10)
|
(60)
|
89
|
89
|
90
|
89
|
(10)
|
(10)
|
(10)
|
|
| Cash Paid for Dividends |
(44)
|
(40)
|
(38)
|
(8)
|
(3)
|
(2)
|
(2)
|
(3)
|
(3)
|
(2)
|
(3)
|
(3)
|
(4)
|
(4)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(5)
|
(6)
|
|
| Other |
166
|
140
|
301
|
320
|
283
|
459
|
413
|
640
|
680
|
619
|
726
|
606
|
771
|
1 334
|
1 097
|
911
|
891
|
558
|
750
|
1 093
|
1 075
|
1 109
|
2 155
|
1 689
|
1 437
|
1 616
|
582
|
1 045
|
1 381
|
1 311
|
1 631
|
1 583
|
1 769
|
1 781
|
1 719
|
1 595
|
1 385
|
956
|
823
|
1 391
|
1 483
|
2 009
|
1 885
|
1 887
|
|
| Cash from Financing Activities |
236
N/A
|
212
-10%
|
372
+75%
|
400
+8%
|
348
-13%
|
523
+50%
|
473
-10%
|
624
+32%
|
677
+9%
|
630
-7%
|
758
+20%
|
715
-6%
|
880
+23%
|
1 407
+60%
|
1 149
-18%
|
883
-23%
|
863
-2%
|
552
-36%
|
743
+35%
|
1 088
+46%
|
1 069
-2%
|
1 154
+8%
|
3 870
+235%
|
3 431
-11%
|
2 977
-13%
|
3 026
+2%
|
(131)
N/A
|
(131)
0%
|
155
N/A
|
45
-71%
|
705
+1 457%
|
1 045
+48%
|
1 531
+47%
|
1 611
+5%
|
1 657
+3%
|
1 581
-5%
|
1 321
-16%
|
1 043
-21%
|
909
-13%
|
1 477
+63%
|
1 569
+6%
|
1 996
+27%
|
1 872
-6%
|
1 970
+5%
|
|
| Change in Cash | |||||||||||||||||||||||||||||||||||||||||||||
| Net Change in Cash |
(7)
N/A
|
0
N/A
|
77
N/A
|
91
+18%
|
73
-20%
|
179
+146%
|
44
-75%
|
226
+413%
|
135
-40%
|
(68)
N/A
|
32
N/A
|
(95)
N/A
|
57
N/A
|
369
+544%
|
186
-50%
|
108
-42%
|
24
-78%
|
(240)
N/A
|
(212)
+11%
|
(122)
+42%
|
(98)
+20%
|
125
N/A
|
1 167
+837%
|
388
-67%
|
97
-75%
|
223
+130%
|
(909)
N/A
|
(288)
+68%
|
(115)
+60%
|
(128)
-12%
|
194
N/A
|
56
-71%
|
213
+278%
|
(45)
N/A
|
176
N/A
|
131
-25%
|
166
+26%
|
134
-19%
|
(193)
N/A
|
132
N/A
|
26
-80%
|
147
+459%
|
47
-68%
|
226
+377%
|
|
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