Live Oak Bancshares financials
$36.64−0.35%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $272.5M | $259.9M | $278.4M | $262.0M | $254.7M | $235.5M | $232.0M | $241.9M | $232.6M | $218.5M | $216.6M | $218.5M |
| Gross profit | $156.1M | $145.5M | $161.9M | $146.1M | $139.7M | $122.9M | $116.9M | $129.9M | $125.5M | $116.2M | $119.7M | $127.3M |
| Gross margin | 57.3% | 56.0% | 58.1% | 55.8% | 54.8% | 52.2% | 50.4% | 53.7% | 53.9% | 53.2% | 55.2% | 58.3% |
| Operating income | $45.8M | $40.1M | $61.9M | $36.6M | $31.2M | $13.1M | $13.2M | $17.8M | $36.1M | $22.1M | $17.5M | $42.8M |
| Net income | $34.7M | $27.9M | $44.1M | $25.6M | $23.4M | $9.7M | $9.9M | $13.0M | $27.0M | $27.6M | $16.2M | $39.8M |
| Net margin | 12.7% | 10.8% | 15.8% | 9.8% | 9.2% | 4.1% | 4.3% | 5.4% | 11.6% | 12.6% | 7.5% | 18.2% |
| Diluted EPS | $0.74 | $0.60 | $0.95 | $0.55 | $0.51 | $0.21 | $0.21 | $0.28 | $0.59 | $0.60 | $0.36 | $0.88 |
| EBITDA | $45.8M | $40.1M | $62.0M | $36.9M | $31.2M | $13.1M | $14.4M | $18.0M | $36.2M | $22.1M | $17.5M | $42.8M |
| Operating cash flow | $31.2M | $87.4M | $79.7M | -$234.6M | $53.3M | -$29.8M | $49.7M | -$67.7M | $83.9M | $90.9M | $170.2M | $154.9M |
| Free cash flow | $28.8M | $85.3M | $70.4M | -$236.3M | $50.6M | -$31.8M | $45.7M | -$82.2M | $78.4M | $70.2M | $167.2M | $146.7M |
| Diluted shares | 46.6M | 46.5M | 46.4M | 46.2M | 45.8M | 45.8M | 46.2M | 46.0M | 45.5M | 45.6M | 45.3M | 45.3M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $927.9M | $816.4M | $865.2M | $892.7M | $663.0M | $744.3M |
| Short-term investments | $1.47B | $1.43B | $1.43B | $1.37B | $1.33B | $1.31B |
| Total debt | $99.8M | $99.7M | $102.4M | $105.0M | $107.7M | $110.2M |
| Total assets | $16.04B | $15.30B | $15.13B | $14.67B | $13.83B | $13.60B |
| Total liabilities | $14.72B | $14.02B | $13.88B | $13.46B | $12.76B | $12.56B |
| Shareholders' equity | $1.32B | $1.28B | $1.25B | $1.20B | $1.07B | $1.03B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology