Live Oak Bancshares Cash Flow - Annual (NASDAQ:LOB)

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$18.2 $0.3 (1.68%) LOB stock closing price Dec 09, 2016 (Closing)

The Live Oak Bancshares cash flow statement helps investors understand how well the company is managing its cash flows. While its important to look at the Live Oak Bancshares debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Live Oak Bancshares revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. Live Oak Bancshares cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  Live Oak Bancshares had cash and cash equivalents of $29.9M at the beginning of the year and $102.6M at year end for 2015.   Live Oak Bancshares has a positive cash and cash equivalents change of $72.7M. View details of Live Oak Bancshares cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012
Live Oak Bancshares Net Income Cash Flow
20.6M10.04M27.94M14.79M
Depreciation Depletion Amortization Cash-Flow6.64M1.54M2.98M0.63M
Net Increase (Decrease) in Assets Liabilities-364.36M-285.43M-69.06M-46.16M
Cash From (used in) Discontinued Operations----
Other Adjustments Net2.42M12.33M-6.04M2.47M
Live Oak Bancshares Net Cash from (used by) Operating Activities
-334.68M-261.5M-44.17M-28.25M
Increase (Decrease) in Prop Plant And Equipment-29.93M-18.75M-15.96M-13.18M
Acquisition Disposition of Subsidiaires----
Increase (Decrease) in Investments-14.96M-44.72M-11.85M-1.77M
Other Cash Inflow (Outflow) from Investment Activities104.47M81.94M7.28M2.31M
Live Oak Bancshares Net Cash from (used by) Invesment Activities
59.57M18.46M-20.53M-12.63M
Issuance (Purchase) of Equity Shares87.41M75.41M-0.11M1.66M
Issuance (Repayment) of Debt Securities-13.47M32.57M-0.13M3.54M
Increase (Decrease) in Bank & Other Borrowings-6.1M6.1M--
Payment of Dividends & Other Cash Distributions-2.73M-43.84M-11.92M-12.19M
Other Cash from (used by) Financing Activities
Live Oak Bancshares Net Cash from (used by) Financing Activities
347.81M235.69M57.78M57.53M
Effect of Exchange Rate Changes on Cash----
Live Oak Bancshares Net Change in Cash & Cash Equivalents
72.7M-7.34M-6.92M16.63M
Cash & Equivalents at Beginning of Year29.9M37.24M44.17M27.53M
Cash & Equivalents at Year End102.6M29.9M37.24M44.17M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Live Oak Bancshares stock price history provides insight into historical stock price fluctuations, and Live Oak Bancshares stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • Live Oak Bancshares saw an increase in Net Change in Cash and Cash Equivalents from $-7.34M in 2014 to $72.7M in 2015. Apart from the Live Oak Bancshares stock price, this is one of the things an investor looks for, as it shows the net change in cash on hand for a company, compared to previous period.
  • The cash generated from the core business or operations was negative at $-334.68M for Live Oak Bancshares in the latest year. For an internet company, this would include all those activities which are involved in eventually selling advertisement space on its website or any online service.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was positive at $59.57M for LOB stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Inflow of cash in the form of bank loans and shareholders equity, and outflow of cash because of dividend payments, share repurchase payments etc. come under financing activities. The cash generated from these activities was $347.81M for Live Oak Bancshares.
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Key Financial Ratios For Live Oak Bancshares Cash Flow

FCF margin
-0.1