Live Oak Bancshares, Inc. (LOB) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash from Operations | 87.38M | 79.69M | -234.59M | 208.17M | 104.98M | 170.69M | 191.01M | 83.88M | 90.89M | 170.25M | 154.89M | 136.48M | 158.46M | 26.16M | 20.66M | -78.77M | 156.44M | 29.39M | -15.18M | -82.21M |
| Operating CF Growth % | -16.76% | -53.31% | -222.82% | 148.19% | 15.5% | 0.26% | 23.32% | -38.54% | -42.64% | 550.86% | 649.8% | 273.27% | 1.29% | -10.99% | 236.11% | 4.19% | 524.86% | 53.45% | 92.9% | -484.43% |
| Net Income | 29.95M | 46.12M | 26.47M | 23.39M | 9.67M | 9.84M | 13.03M | 26.96M | 27.59M | 16.16M | 39.79M | 17.54M | 398K | 1.79M | 42.87M | 97.04M | 34.51M | 30.15M | 33.84M | 63.58M |
| Depreciation & Amortization | 6.94M | 9.97M | 6.67M | 6.78M | 6.97M | 6.65M | 6.31M | 5.34M | 4.98M | 5.33M | 5.49M | 5.25M | 5.19M | 5.15M | 5.07M | 5.15M | 5.41M | 5.47M | 5.33M | 5.3M |
| Deferred Taxes | -598K | -15.21M | 4.42M | 166K | -1.01M | -2.43M | -8.71M | 7.54M | -7.82M | -9M | -3.44M | -4.18M | -5.54M | 9.87M | -181K | 10.66M | 6.78M | 15.31M | 3.01M | 10.46M |
| Other Non-Cash Items | 47.56M | -3.09M | -275.23M | 156.25M | 86.11M | 149.63M | 161.11M | 45.03M | 59.49M | 149.69M | 102.15M | 98.27M | 139.56M | 40.58M | -47.76M | -199.9M | 109.16M | -21.18M | -78.08M | -172.82M |
| Working Capital Changes | -3.34M | 35.21M | -2.82M | 14.63M | -3.44M | 499K | 12.67M | -7.79M | 346K | 2.89M | 10.68M | 13.29M | 12.67M | -36.51M | 15.62M | 3.2M | -4.37M | -4.47M | 17.01M | 7.15M |
| Cash from Investing | -273.4M | -497.46M | -322.4M | -485.06M | -599.26M | -586.22M | -828.6M | -385.58M | -278.7M | -388.5M | -548.65M | -244.92M | -592.85M | -539.13M | -446.39M | -203.62M | -253.21M | -212.76M | 65.75M | 138.75M |
| Purchase of Investments | -58.77M | -93.65M | -83.42M | -53.65M | -80.82M | -85.62M | -84.12M | -64.49M | -50.89M | -39.06M | -26.89M | -32.21M | -148.03M | -43.13M | -199.16M | -162.45M | -37.84M | -110.53M | -119.67M | -104.71M |
| Sale/Maturity of Investments | 49.54M | 131.45M | 47.24M | 46.19M | 32.13M | 38.79M | 36.75M | 35.13M | 44.03M | 35.64M | 36.88M | 27.92M | 21.32M | 32.35M | 57.17M | 173.45M | 47.3M | 56.35M | 53.12M | 80.58M |
| Net Investment Activity | -9.23M | 37.8M | -36.17M | -7.46M | -48.69M | -46.83M | -47.37M | -29.36M | -6.86M | -3.43M | 9.99M | -4.3M | -126.71M | -10.78M | -141.99M | 11.01M | 9.46M | -54.18M | -66.55M | -24.13M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -262.13M | -525.96M | -284.5M | -476.17M | -548.28M | -535.38M | -774.82M | -339.02M | -250.16M | -363.46M | -550.38M | -234.06M | -455.74M | -520.23M | -297M | -206.43M | -242.63M | -157.16M | 132.65M | 163.44M |
| Cash from Financing | 137.25M | 390.23M | 786.69M | 195.38M | 629.75M | 357.75M | 688.72M | 319.76M | 202.66M | 266.01M | 120.41M | 453.38M | 480.95M | 526.24M | 196.92M | 406.8M | 400.79M | 40.09M | -142.37M | -253.26M |
| Dividends Paid | -3.48M | -3.47M | -2.33M | -1.37M | -1.37M | -1.36M | -1.35M | -1.35M | -1.34M | -1.34M | -1.33M | -1.33M | -1.33M | -1.32M | -1.32M | -1.31M | -1.31M | -1.31M | -1.3M | -1.3M |
| Share Repurchases | -3.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 983K | 479K | 1.51M | 788K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -3.01M | 479K | 1.51M | 788K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | 146.4M | 395.86M | 790.12M | 198.55M | 633.69M | 361.66M | 692.45M | 323.61M | 107.12M | 269.84M | 124.21M | 457.17M | 534.71M | 479.97M | 248.83M | 518.82M | 523.48M | 294.13M | 296.34M | 200.07M |
| Net Change in Cash | -48.77M | -27.54M | 229.69M | -81.51M | 135.46M | -57.78M | 51.14M | 18.05M | 14.85M | 47.77M | -273.36M | 344.94M | 46.55M | 13.27M | -228.82M | 124.42M | 304.02M | -143.28M | -91.79M | -196.72M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 864.9M | 892.45M | 662.75M | 744.26M | 608.8M | 666.59M | 615.45M | 597.39M | 582.54M | 534.77M | 808.13M | 463.19M | 416.64M | 403.37M | 632.19M | 507.77M | 203.75M | 347.03M | 438.82M | 635.54M |
| Cash at End | 816.13M | 864.9M | 892.45M | 662.75M | 744.26M | 608.8M | 666.59M | 615.45M | 597.39M | 582.54M | 534.77M | 808.13M | 463.19M | 416.64M | 403.37M | 632.19M | 507.77M | 203.75M | 347.03M | 438.82M |
| Interest Paid | 114.35M | 117.28M | 115.55M | 14.03M | 13.62M | 115.38M | 111.66M | 107.17M | 102.64M | 97.67M | 91.37M | 84.7M | 69.03M | 50.54M | 32.13M | 19.59M | 15.26M | 15M | 16.16M | 17.22M |
| Income Taxes Paid | 291K | 10.33M | 9.05M | 7.05M | 172K | 12.43M | 3.59M | 20.96M | 1.93M | 3.61M | -3.54M | 5.05M | 182K | 7.58M | 10.35M | 6.77M | 8K | 3.18M | 7.5M | 8.69M |
| Free Cash Flow | 85.34M | 70.39M | -236.33M | 206.74M | 102.68M | 166.67M | 184.61M | 66.67M | 69.22M | 148.64M | 146.62M | 129.92M | 148.05M | 18.04M | 13.26M | -86.96M | 136.4M | 27.97M | -15.53M | -82.77M |
| FCF Growth % | -16.89% | -57.77% | -228.02% | 210.1% | 48.35% | 12.13% | 25.91% | -48.68% | -53.25% | 724.07% | 1006.01% | 249.4% | 8.54% | -35.51% | 185.39% | -5.07% | 463.79% | 5417.11% | 92.74% | -495.53% |