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Cash Flow Overview

Change in Cash
$111,495K
Free Cash flow
$28,377K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Proceeds from sales of loans hel...
    • Proceeds from maturities, calls,...
    • Others
Negative Cash Flow Breakdown
    • Loan and lease originations and ...
    • Originations of loans held for s...
    • Purchases of investment securiti...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
36,704
29,947
46,122
26,466
Depreciation and amortization
6,269
6,940
9,968
6,672
Provision for credit losses
25,800
20,100
21,845
22,242
Accretion of discount on securities, net
210
155
164
215
Deferred tax benefit
-6,788
-598
-15,945
4,420
Originations of loans held for sale
339,701
325,627
261,301
347,844
Proceeds from sales of loans held for sale
339,448
294,218
264,265
71,160
Net gains on sale of loans held for sale
17,554
15,425
1,263
20,868
Net loss on impairment or sale of foreclosed assets
-46
-140
-117
45
Net loss (gain) on loans accounted for under fair value option
291
-1,165
1,518
-350
Net change in servicing assets
2,056
1,522
664
2,132
Net gain on sale or disposal of long lived asset
-
-
0
0
Purchase of transferable tax credits
22,966
-
-
-
Net loss on disposal of property and equipment
-238
0
-249
-395
Impairment on premises and equipment, net
-
-
0
-
Proceeds received from government guaranteed receivables
23,248
73,948
-
-
Equity method investments loss (income)
74
-817
23,812
-1,470
Equity security investments (gains) losses, net
0
0
4,691
18
Net (gain) loss on equity warrant assets
51
26
-4,739
-400
Renewable energy tax credit investment impairment
26
-
735
-
Renewable energy tax credit investment impairment (recovery)
-
-
-
336
Stock option compensation expense
-
-
0
-
Restricted stock compensation expense
7,390
6,880
6,696
5,902
Stock based compensation excess tax benefit (deficiency)
152
-48
-273
-445
Business combination contingent consideration fair value adjustment
-
-
0
-
Lease right-of-use assets and liabilities, net
-48
26
15
17
Other assets
7,222
-3,341
-14,602
7,042
Other liabilities
-11,270
-6,685
20,604
4,219
Net cash provided by operating activities
31,186
87,384
79,690
-234,594
Purchases of investment securities available-for-sale
93,150
58,702
91,998
82,234
Proceeds from maturities, calls, and principal paydowns of investment securities available-for-sale
53,179
48,194
47,806
46,755
Proceeds from sale of foreclosed assets
1,951
227
6,252
2,310
Purchases of loans previously sold
-
-
-
40,122
Maturities of certificates of deposit with other banks
-
-
0
-
Loan and lease originations and principal collections, net
588,131
262,125
611,339
246,684
Proceeds from sale of long lived asset
-
-
0
0
Purchases of equity security investments
340
66
377
460
Purchases of equity method investments
380
0
1,277
721
Proceeds from sale of equity security investments
33
358
10,252
349
Proceeds from sale of equity method investments
752
759
67,143
137
Proceeds from sale of premises and equipment
450
0
0
0
Purchases of premises and equipment, net
2,809
2,047
9,302
1,735
Net cash used by investing activities
-628,445
-273,402
-497,461
-322,405
Net increase in deposits
712,468
146,399
397,936
695,933
Proceeds from borrowings
35
36
38
39
Repayment of borrowings
15
2,694
2,679
2,653
Stock option exercises
96
499
479
951
Employee stock purchase program
0
484
0
562
Proceeds from the issuance of preferred stock, net
-
-
0
96,266
Tax withholding related to vesting of restricted stock and other
348
3,994
2,074
2,080
Contributions of non-controlling interest
-
-
0
-
Shareholder dividend distributions - preferred
2,094
2,094
2,093
954
Shareholder dividend distributions - common
1,388
1,387
1,377
4,111
Net cash provided by financing activities
708,754
137,249
390,230
786,689
Net increase in cash and cash equivalents
111,495
-48,769
-27,541
229,690
Cash and cash equivalents, beginning
816,135
864,904
892,445
608,800
Cash and cash equivalents, ending
927,630
816,135
864,904
892,445
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$712,468K (-14.60%↓ Y/Y)Proceeds from sales ofloans held for sale$339,448K (-63.28%↓ Y/Y)Stock optionexercises$96K (-93.79%↓ Y/Y)Proceeds from borrowings$35K (-58.33%↓ Y/Y)Net income$36,704K (11.04%↑ Y/Y)Provision for creditlosses$25,800K (-50.59%↓ Y/Y)Proceeds received fromgovernment guaranteed...$23,248K Restricted stockcompensation expense$7,390K (-45.71%↓ Y/Y)Depreciation andamortization$6,269K (-54.43%↓ Y/Y)Net loss on disposalof property and...-$238K (92.38%↑ Y/Y)Stock basedcompensation excess tax...$152K (167.86%↑ Y/Y)Lease right-of-useassets and...-$48K (-585.71%↓ Y/Y)Net loss onimpairment or sale of...-$46K (-283.33%↓ Y/Y)Renewable energy taxcredit investment...$26K Net cash provided byfinancing activities$708,754K (-14.10%↓ Y/Y)Net cash provided byoperating activities$31,186K (-90.04%↓ Y/Y)Canceled cashflow$3,845K Canceled cashflow$408,183K Net increase in cashand cash...$111,495K (106.64%↑ Y/Y)Canceled cashflow$628,445K Shareholder dividenddistributions - preferred$2,094K Shareholder dividenddistributions - common$1,388K Tax withholdingrelated to vesting of...$348K (-89.97%↓ Y/Y)Repayment of borrowings$15K (-99.71%↓ Y/Y)Proceeds frommaturities, calls, and...$53,179K (-31.45%↓ Y/Y)Proceeds from sale offoreclosed assets$1,951K (135.91%↑ Y/Y)Proceeds from sale ofequity method...$752K (95.32%↑ Y/Y)Proceeds from sale ofpremises and equipment$450K (-89.68%↓ Y/Y)Proceeds from sale ofequity security...$33K (-90.81%↓ Y/Y)Originations of loans held forsale$339,701K (-51.27%↓ Y/Y)Purchase of transferabletax credits$22,966K Net gains on sale ofloans held for sale$17,554K (-56.43%↓ Y/Y)Other liabilities-$11,270K (-175.55%↓ Y/Y)Other assets$7,222K (147.24%↑ Y/Y)Deferred tax benefit-$6,788K (-705.22%↓ Y/Y)Net change inservicing assets$2,056K (-51.22%↓ Y/Y)Net loss (gain) onloans accounted for...$291K (506.25%↑ Y/Y)Accretion of discount onsecurities, net$210K (-8.70%↓ Y/Y)Equity methodinvestments loss (income)$74K (101.49%↑ Y/Y)Net (gain) loss onequity warrant assets$51K (112.17%↑ Y/Y)Net cash used byinvesting activities-$628,445K (42.04%↑ Y/Y)Canceled cashflow$56,365K Loan and leaseoriginations and principal...$588,131K (-40.25%↓ Y/Y)Purchases of investmentsecurities...$93,150K (-26.62%↓ Y/Y)Purchases of premises andequipment, net$2,809K (-24.47%↓ Y/Y)Purchases of equity methodinvestments$380K (-87.58%↓ Y/Y)Purchases of equitysecurity investments$340K (-92.40%↓ Y/Y)

Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares, Inc. (LOB)