Live Oak Bancshares Annual Income Statement (NASDAQ:LOB)

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$24.45 $1.25 (5.39%) LOB stock closing price Apr 27, 2017 (Closing)

Financial statements provide us with a way to gain insights and undertake the fundamental analysis of a company. Checking Live Oak Bancshares stock price alone is not sufficient. In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. The income statement for LOB which implies a YoY revenue growth of $32.04M 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 $20.62M YoY and 2016 revenue is $150.81M. Live Oak Bancshares revenue for 2016 is $150.81M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2016 2015 2014 2013 2012
Live Oak Bancshares Net Sales or Revenues
150.81M118.77M80.55M71.76M54.15M
Cost Of Goods Sold (COGS)13.65M7.37M4.73M3.94M2.97M
Live Oak Bancshares Gross Profit
137.15M111.4M75.82M67.82M51.18M
Research & Development Expense-----
Selling General & Admin Expense115.78M75.52M57.26M39.3M35.72M
Income Before Depreciation Depletion Amortization21.36M35.87M18.55M28.51M15.45M
Depreciation Depletion Amortization-----
Non Operating Income-3.19M----
Interest Expense0.96M1.48M1.12M0.57M0.65M
Live Oak Bancshares Pretax Income
17.2M34.39M17.43M27.94M14.79M
Provision for Income Taxes3.44M13.79M7.38M--
Minority Interest-0.01M-0.02M--0.12M-1.29M
Investment Gains Losses-----
Other Income-----
Income Before Extraordinaries & Disc Operations13.76M20.6M10.04M27.94M14.79M
Extraordinary Items & Discontinued Operations-----
Live Oak Bancshares Net Income (Profit/Loss)
13.77M20.62M10.04M28.06M16.09M
Average Shares used to compute Diluted EPS35.09M31.97M24.42M--
Average Shares used to compute Basic EPS34.2M31.08M23.97M--
Income Before Nonrecurring Items20.15M20.63M10.05M--
Income from Nonrecurring Items-6.38M----
Live Oak Bancshares Earnings Per Share Basic Net
0.400.660.42--
Live Oak Bancshares Earnings Per Share Diluted Net
0.390.650.41--
EPS Diluted Before Nonrecurring Items0.570.650.41--
Preferred Dividends Acc Pd-----
Dividends Common-----
Dividend Per Share Common0.070.02---
All figures in USD. M: Millions of USD, B: Billions of USD.
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It is very helpful to read a report on Live Oak Bancshares stock analysis. An investor must check the following items in an income statement:
  • Topline: A growing topline, as seen from the Live Oak Bancshares revenue chart, as is the case with Live Oak Bancshares indicates a growing business. One needs to compare the QoQ or YoY topline growth of LOB stock with its peers like SGBK stock and RBCAA stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like Live Oak Bancshares try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
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)
62.2140
PS ratio (
price sales ratio
)
5.5511
Operating margin
13.7
Net profit margin
12.7
Dividend yield
0.29%