Live Oak Bancshares Income Statement - Quarterly (NASDAQ:LOB)

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$14.1 $0.25 (1.74%) LOB stock closing price Oct 20, 2016 (Closing)

LOB stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the Live Oak Bancshares stock price. The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement for LOB which implies a QoQ revenue decline of $1.08M is specific to a period of time. Investors typically check YoY or QoQ revenue growth. Along with Live Oak Bancshares assets and Live Oak Bancshares free cash flow, profits as shown in profit and loss statement give key insights about the business. The profits have decreased from $4.69M QoQ and 2016-Q2 revenue is $32.75M. View details of revenue and profits for Live Oak Bancshares for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Live Oak Bancshares Net Sales or Revenues
Cost Of Goods Sold (COGS)3.24M2.44M2.11M1.99M1.8M1.47M-1.17M1.13M
Live Oak Bancshares Gross Profit
Research & Development Expense---------
Selling General & Admin Expense28.58M23.14M23.65M19.25M16.85M15.77M-13.77M12.01M
Income Before Depreciation Depletion Amortization0.92M8.23M9.44M5.52M7.14M13.77M-6.87M6.86M
Depreciation Depletion Amortization---------
Non Operating Income---------
Interest Expense0.24M0.24M0.21M0.39M0.44M0.44M-0.25M0.2M
Live Oak Bancshares Pretax Income
Provision for Income Taxes0.55M3.31M3.54M2.22M2.76M5.27M-5.97M-
Minority Interest--0.01M----0.02M---
Investment Gains Losses---------
Other Income---------
Income Before Extraordinaries & Disc Operations0.12M4.69M5.72M2.9M3.94M8.07M2.45M0.64M6.66M
Extraordinary Items & Discontinued Operations---------
Live Oak Bancshares Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS35.21M34.96M35.08M33.92M29.5M29.36M29.34M26.24M-
Average Shares used to compute Basic EPS34.19M34.18M34.17M32.83M28.64M28.62M28.61M25.63M-
Income Before Nonrecurring Items3.88M4.69M5.72M2.9M3.94M8.07M2.45M0.64M-
Income from Nonrecurring Items-3.76M--------
Live Oak Bancshares Earnings Per Share Basic Net
Live Oak Bancshares Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.
Preferred Dividends Acc Pd---------
Dividends Common0.29--------
Dividend Per Share Common0.
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing Live Oak Bancshares stock analysis are:
  • Revenue: The money received by selling of goods or services comes under this line item. A QoQ growth (See: Live Oak Bancshares revenue chart) implies that the company is growing, which has not been the case with Live Oak Bancshares. One must stay away from stocks whose revenues are declining.
  • 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 $0.12M for Live Oak Bancshares for 2016-Q2. This figure is arrived at after deducting all operating expenses, interest, and taxes from revenue.
The income statement is also called statement of revenue and expense. The financials along with Live Oak Bancshares historical stock prices provides a lot of details about the firm. .

Live Oak Bancshares Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield