Live Oak Bancshares, Inc.
LOBNYSEFinancial Services● Active
$37.82
+$0.41(+1.08%)
Market Cap$1.7B
P/E Ratio—
52W High$42.89
52W Low$27.17
Live Oak Bancshares, Inc. (LOB) · Income Statement
Annual, quarterly, or TTM views · SEC 10-K & 10-Q via FMP · adjust period and M/B/T below.
FMP · LOB · as of 2026-06-08
Financial statements
Revenue · Gross Profit · Net Income
| Breakdown | 2025-12 | 2024-12 | 2023-12 | 2022-12 | 2021-12 |
|---|---|---|---|---|---|
| Revenue | |||||
| Revenue | $1.04B | $0.93B | $0.78B | $0.51B | $0.51B |
| Cost of Revenue | $0.54B | $0.53B | $0.39B | $0.16B | $0.08B |
| Gross Profit | $0.50B | $0.40B | $0.38B | $0.35B | $0.43B |
| Gross Margin %(computed) | 48.31% | 42.68% | 49.23% | 68.97% | 84.27% |
| Operating Expenses | |||||
| R&D Expenses | $0.00B | $0.00B | $0.00B | $0.00B | $0.00B |
| G&A Expenses | $0.24B | $0.19B | $0.19B | $0.18B | $0.13B |
| Total Operating Expenses | $0.34B | $0.31B | $0.30B | $0.14B | $0.22B |
| Operating Income | $0.16B | $0.09B | $0.08B | $0.21B | $0.21B |
| Operating Margin %(computed) | 15.46% | 9.60% | 10.67% | 41.33% | 41.62% |
| Interest Income | $0.91B | $0.81B | $0.69B | $0.44B | $0.36B |
| Interest Expense | $0.46B | $0.44B | $0.34B | $0.12B | $0.06B |
| Income Before Tax | $0.16B | $0.09B | $0.08B | $0.21B | $0.21B |
| Income Tax Expense | $0.06B | $0.01B | $0.01B | $0.03B | $0.04B |
| Net Income | $0.10B | $0.08B | $0.07B | $0.18B | $0.17B |
| Net Margin %(computed) | 9.97% | 8.34% | 9.52% | 34.63% | 32.98% |
| Per Share & EBITDA | |||||
| EPS (Basic) | $2.24 | $1.72 | $1.67 | $4.02 | $3.87 |
| Wtd Avg Shares | 0.05B | 0.05B | 0.04B | 0.04B | 0.04B |
| EBITDA | $0.19B | $0.11B | $0.10B | $0.23B | $0.23B |
| EBITDA Margin %(computed) | 17.78% | 12.11% | 13.41% | 45.42% | 45.84% |
Data source: Financial Modeling Prep · Last updated: 2026-06-08 · USD · B
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About Live Oak Bancshares, Inc. (LOB) Income Statement
Live Oak Bancshares, Inc. (LOB) income statement data is sourced from SEC Form 10-K and 10-Q filings. For fiscal year 2025, LOB reported revenue of $1.04B, gross profit of $0.50B (gross margin 48.31%), and net income of $0.10B — a net profit margin of 9.97%.
Frequently asked questions
LOB · 4 questionsLive Oak Bancshares, Inc. (LOB) reported revenue of $1.04B for 2025, up 12.0% year-over-year.
LOB revenueLOB salesannual revenue YoYincome statement
· Source: FMP /stable/income-statement · SEC EDGAR Form 10-K & 10-Q · As of 2026-06-08