Live Oak Bancshares Quarterly Cash Flow Statement
NYSE: LOBFinanceMajor BanksUSD
At close: Oct 12, 4:00 PM ET · Delayed 15 min
Live Oak Bancshares free cash flow
In the quarter ended Jun 30, 2026, Live Oak Bancshares generated $31.2 million of operating cash flow and spent $2.8 million on capital expenditures. That left free cash flow of $28.4 million, a free-cash-flow margin of 18.2% of revenue. Free cash flow was down 45.3% from the prior year's $51.9 million.
Live Oak Bancshares returned $1.4 million to shareholders through dividends, equal to 5% of free cash flow. Free cash flow covered dividend payments 20.4 times.
Summary generated from market data by MetaCap's automated system. Methodology
Live Oak Bancshares cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 36.70M | 29.95M | 46.12M | 26.47M | 23.39M | 9.67M | 9.84M | 13.03M | 26.96M | 27.59M | 16.16M | 39.79M |
| Net Income growth (YoY) | +56.94% | +209.75% | +368.58% | +103.19% | -13.26% | -64.95% | -39.10% | -67.27% | +53.69% | +6831.16% | +801.95% | -7.17% |
| Depreciation & Amortization | 6.27M | 6.94M | 9.97M | 6.67M | 6.78M | 6.97M | 6.65M | 6.31M | 5.34M | 4.98M | 5.33M | 5.49M |
| Operating Cash Flow | 31.19M | 87.38M | 79.69M | 55.01M | 53.31M | -29.77M | 49.67M | 47.41M | 29.53M | 30.17M | -264.93M | 154.89M |
| Capital Expenditures | -2.81M | -2.05M | -9.30M | -1.74M | -1.43M | -2.29M | -4.02M | -6.41M | -17.21M | -21.68M | -21.61M | -8.26M |
| Investing Cash Flow | -628.45M | -273.40M | -497.46M | -612.01M | -330.20M | -464.52M | -465.21M | -684.99M | -331.24M | -217.97M | 46.68M | -548.65M |
| Dividends Paid | -1.39M | -1.39M | -1.38M | -1.38M | -1.37M | -1.37M | -1.36M | -1.35M | -1.35M | -1.34M | -1.34M | -1.33M |
| Debt Issued | 35.00K | 36.00K | 38.00K | 39.00K | 41.00K | 43.00K | 44.00K | 197.00K | 48.00K | 99.41M | 15.00K | 17.00K |
| Debt Repaid | -15.00K | -2.69M | -2.68M | -2.65M | -2.63M | -2.62M | -2.60M | -2.57M | -2.54M | -2.53M | -2.51M | -2.49M |
| Financing Cash Flow | 708.75M | 137.25M | 390.23M | 786.69M | 195.38M | 629.75M | 357.75M | 688.72M | 319.76M | 202.66M | 266.01M | 120.41M |
| Net Change in Cash | 111.50M | -48.77M | -27.54M | 229.69M | -81.51M | 135.46M | -57.78M | 51.14M | 18.05M | 14.85M | 47.77M | -273.36M |
| Free Cash Flow | 28.38M | 85.34M | 70.39M | 53.27M | 51.89M | -32.06M | 45.66M | 41.00M | 12.32M | 8.49M | -286.54M | 146.62M |
This table shows 12 quarterly periods of Live Oak Bancshares's cash flow statement, from Q2 2026 back to Q3 2023, across 11 line items including net income, depreciation & amortization, operating cash flow. Values in USD; B = billions, M = millions. Fiscal periods follow LOB's reporting calendar. What is a cash flow statement?