Live Oak Bancshares (LOB) Financials

Live Oak Bancshares Inc (LOB) is a financial holding company that provides banking and lending services to small businesses. The company's income statement shows its financial performance over a specific period of time. It includes the revenue generated, expenses incurred, and the resulting net income. The income statement provides valuable insights into the company's profitability and financial health.

EBIT, or Earnings Before Interest and Taxes, is a measure of a company's operating performance. It shows how much profit a company generates from its operations before deducting interest and taxes. Live Oak Bancshares Inc's EBIT reflects its ability to generate revenue from its core business activities. A higher EBIT indicates a stronger operating performance.

EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization, is a measure of a company's profitability. It provides a better understanding of its operating cash flow. Live Oak Bancshares Inc's EBITDA reflects its ability to generate cash from its core business activities. A higher EBITDA indicates a stronger financial position.

Gross profit represents the revenue generated by a company minus the cost of goods sold. It is a measure of a company's profitability and efficiency in managing its production and operational costs. Live Oak Bancshares Inc's gross profit reflects its ability to generate revenue and control its costs. A higher gross profit indicates a more efficient operation.

Net income from stockholders is the profit generated by a company that is allocated to its stockholders. It represents the return on investment for the stockholders and is an important measure of a company's financial performance. Live Oak Bancshares Inc's net income from stockholders reflects its ability to generate profit for its shareholders. A higher net income indicates a stronger financial performance.

Total revenue represents the sum of all the revenue generated by a company from its various sources. It includes revenue from interest income, fees, and other sources. Live Oak Bancshares Inc's total revenue reflects its overall financial performance. A higher total revenue indicates a stronger financial position.

The balance sheet provides a snapshot of a company's financial position at a specific point in time. It shows the company's assets, liabilities, and equity. Live Oak Bancshares Inc's balance sheet reflects its resources, debts, and ownership structure. It provides insights into the company's financial health and stability.

Cash equivalents are short-term assets that can be easily converted into cash. They include highly liquid investments such as treasury bills and short-term government bonds. Live Oak Bancshares Inc's cash equivalents represent its readily available cash resources. They provide liquidity and financial stability to the company.

Net debt is a measure of a company's financial leverage. It is calculated by subtracting a company's cash and cash equivalents from its total debt. Live Oak Bancshares Inc's net debt reflects its ability to meet its financial obligations. A lower net debt indicates a healthier financial position.

Stockholders' equity represents the residual interest in the assets of a company after deducting its liabilities. It is an important measure of a company's financial health and represents the net worth of the company's shareholders. Live Oak Bancshares Inc's stockholders' equity reflects the value of its shareholders' investment in the company.

Total assets represent the value of a company's resources and holdings. They include both tangible assets, such as property and equipment, and intangible assets, such as patents and trademarks. Live Oak Bancshares Inc's total assets reflect the value of its investments and resources. A higher total assets value indicates a stronger financial position.

Total debt represents the amount of money a company owes to its creditors. It includes both short-term and long-term debt. Live Oak Bancshares Inc's total debt reflects its financial liabilities. A lower total debt indicates a healthier financial position.

Total liabilities represent a company's financial obligations and debts. They include both short-term and long-term liabilities. Live Oak Bancshares Inc's total liabilities reflect its financial obligations to creditors and other stakeholders. A lower total liabilities value indicates a healthier financial position.

Cash flow is the amount of cash generated or used by a company during a specific period of time. It provides valuable insights into a company's liquidity and financial health. Live Oak Bancshares Inc's cash flow reflects its ability to generate cash from its operations. A positive cash flow indicates a healthier financial position.

Financing cash flow represents the cash inflows and outflows related to a company's financing activities. It includes cash from issuing or repurchasing stock, borrowing or repaying debt, and paying dividends. Live Oak Bancshares Inc's financing cash flow reflects its funding and capital structure decisions. A positive financing cash flow indicates a healthy capital structure.

Free cash flow is the amount of cash a company generates after subtracting its capital expenditures from its operating cash flow. It represents the cash available for distribution to investors or for reinvestment in the company. Live Oak Bancshares Inc's free cash flow reflects its financial flexibility and ability to fund growth or distribute dividends.

Investing cash flow represents the cash inflows and outflows related to a company's investing activities. It includes cash from buying or selling assets, such as property or equipment, and investments in other companies. Live Oak Bancshares Inc's investing cash flow reflects its investment decisions and growth strategies. A positive investing cash flow indicates a focus on strategic investments.

Operating cash flow represents the cash generated or used by a company in its core business operations. It reflects the company's ability to generate cash from its day-to-day activities. Live Oak Bancshares Inc's operating cash flow reflects its operational efficiency and ability to generate cash from its core banking and lending activities.