Live Oak Bancshares Annual Income Statement (NASDAQ:LOB)

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$17.9 $0.6 (3.47%) LOB stock closing price Dec 08, 2016 (Closing)

Looking at financial statements, along with the Live Oak Bancshares stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the LOB stock is bound to reflect the impact of the YoY growth of $38.22M. The Live Oak Bancshares profit and loss statement for 2015 shows a profit of $20.62M. Profits have grown from $10.04M YoY. Apart from this an investor should also check Live Oak Bancshares assets and Live Oak Bancshares free cash flow. Live Oak Bancshares revenue for 2015 is $118.77M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012
Live Oak Bancshares Net Sales or Revenues
118.77M80.55M71.76M54.15M
Cost Of Goods Sold (COGS)7.37M4.73M3.94M2.97M
Live Oak Bancshares Gross Profit
111.4M75.82M67.82M51.18M
Research & Development Expense----
Selling General & Admin Expense75.52M57.26M39.3M35.72M
Income Before Depreciation Depletion Amortization35.87M18.55M28.51M15.45M
Depreciation Depletion Amortization----
Non Operating Income----
Interest Expense1.48M1.12M0.57M0.65M
Live Oak Bancshares Pretax Income
34.39M17.43M27.94M14.79M
Provision for Income Taxes13.79M7.38M--
Minority Interest-0.02M--0.12M-1.29M
Investment Gains Losses----
Other Income----
Income Before Extraordinaries & Disc Operations20.6M10.04M27.94M14.79M
Extraordinary Items & Discontinued Operations----
Live Oak Bancshares Net Income (Profit/Loss)
20.62M10.04M28.06M16.09M
Average Shares used to compute Diluted EPS----
Average Shares used to compute Basic EPS----
Income Before Nonrecurring Items----
Income from Nonrecurring Items----
Live Oak Bancshares Earnings Per Share Basic Net
0.68---
Live Oak Bancshares Earnings Per Share Diluted Net
0.65---
EPS Diluted Before Nonrecurring Items0.65---
Preferred Dividends Acc Pd----
Dividends Common----
Dividend Per Share Common0.02---
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Live Oak Bancshares stock analysis are:
  • Top line: The word topline comes from the fact that the first line of an income statement refers to sales numbers. If you check you will find that LOB stock has a topline or revenue of $118.77M for 2015 as per this Live Oak Bancshares revenue chart. Investors look for stocks with a growing top line.
  • Bottom line: This refers to the last line in a profit and loss statement and denotes the net profit or loss for a particular period. The figure currently stands at $20.62M for Live Oak Bancshares for 2015. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the Live Oak Bancshares historical stock prices to check how the price has moved with time. .

Live Oak Bancshares Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
45.5470
PS ratio (
price sales ratio
)
4.2906
Operating margin
15.3
Net profit margin
8.5
Dividend yield
0.34%