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

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$24.85 $0 (0%) LOB stock closing price Jul 24, 2017 (Closing)

The financial analysis of LOB requires an investor to check the cash flows for Live Oak Bancshares. 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 stock analysis shows positive net income cash flow of $6.11M for 2017-Q1. This statement is important because profits alone cannot pay employees, or bills. Cash is required.   LOB increase in investments stood at a negative value of $-133.12M for the latest 2017-Q1. View details of Live Oak Bancshares cash flows for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4
Live Oak Bancshares Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow2.97M7.35M4.1M2.34M1.24M6.64M3.6M2.35M0.76M1.54M
Net Increase (Decrease) in Assets Liabilities-123.41M-266.6M-202.74M-184.57M-102.64M-364.36M-284.49M-191.24M-56.47M-285.43M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net6.63M23.53M15.88M7.01M2.83M2.42M0.34M-1.44M-2.31M12.33M
Live Oak Bancshares Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-37.66M-9.66M-0.51M-0.34M-0.19M-29.93M-28.94M-22.73M-2.95M-18.75M
Acquisition Disposition of Subsidiaires-7.58M---------
Increase (Decrease) in Investments1.23M-34.42M-22.19M-13.04M-1.19M-14.96M-5.22M4.29M8.31M-44.72M
Other Cash Inflow (Outflow) from Investment Activities-89.11M-275.98M-145.97M-77.84M9.63M104.47M79.96M88.63M27.35M81.94M
Live Oak Bancshares Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares-4.4M0.4M0.14M0.1M0.04M87.41M87.38M0.15M0.01M75.41M
Issuance (Repayment) of Debt Securities-0.37M-0.53M-0.3M-0.2M-0.1M-13.47M0.23M12.64M8.36M32.57M
Increase (Decrease) in Bank & Other Borrowings13.1M-----6.1M-6.1M-6.1M-6.1M6.1M
Payment of Dividends & Other Cash Distributions-0.69M-2.73M-2.05M-1.36M-1.02M-2.73M-2.22M-2.22M-1.36M-43.84M
Other Cash from (used by) Financing Activities154.06M680.28M598.22M336M210.67M282.7M240.54M205.26M34M165.46M
Live Oak Bancshares Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash----------
Live Oak Bancshares Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year102.6M29.9M37.24M44.17M27.53M-----
Cash & Equivalents at Year End158.88M238M355.48M175.5M226.55M102.6M129.88M131.48M47.56M29.9M
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 had a Net Change in Cash and Cash Equivalents of $-79.12M for the latest quarter 2017-Q1. If a firm is able to grow its cash, it is considered to be a positive signal and could lead to a jump in the Live Oak Bancshares stock price , albeit too much cash on hand can imply the company has no or limited avenues for growth in which to invest this cash.
  • Cash Flow from operating activities: Live Oak Bancshares reported a negative operating cash flow of $-107.69M for 2017-Q1 and has seen an increase from the previous quarter. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-133.12M 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.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $161.7M for Live Oak Bancshares. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For Live Oak Bancshares Cash Flow

FCF margin