Live Oak Bancshares, Inc.LOB

時価総額

$13.9億

PER

小規模企業向け融資と商業銀行業務の有力企業。テクノロジー基盤の貸出プラットフォームを展開。Apitureに40.4%出資、経営陣が2025年1月31日時点で約23.3%保有。米国中心に展開、従業員は2024年12月31日時点で正社員1,008人。

概要財務

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	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	21	14	100	51	18	60	167	176	74	77
Depreciation and amortization	3	4	10	16	20	22	21	21	21	23
Provision for credit losses	-	-	-	-	-	-	-	41	51	96
(Accretion) amortization of (discount) premium on securities, net of accretion	-0	-0	-0	-1	-1	-3	-6	-3	-0	1
Deferred tax (benefit) expense	1	-4	12	-6	1	-17	25	27	-22	-11
Originations of loans held for sale	1,035	1,014	1,150	1,079	1,005	1,183	1,364	1,042	877	1,037
Proceeds from Sale, Loan, Held-for-Sale	745	838	883	1,087	458	875	1,092	1,068	1,363	1,431
Net gains on sale of loans held for sale	67	75	79	75	29	49	67	43	47	61
Net (gain) loss on impairment and sale of foreclosed assets	-	-	-	-	-0	-0	1	0	-1	0
Net (gain) loss on loans accounted for under fair value option	-	-	-	-	-	-13	4	1	-4	2
Net change in servicing assets	-	-	-	-	-	-1	-0	-7	22	8
Net gain on sale or disposal of long lived asset	-	-	-	-	0	-0	0	-	4	9
Net loss on disposal of premises and equipment	-0	-	-0	-0	-0	-0	0	-0	-0	-0
Impairment on premises and equipment, net	-	-	-	-	-	-	1	-	0	-
Equity method investments loss (income)	-0	-	-	-	-8	-15	-2	144	-6	-11
Equity security investments (gains) losses, net	-	-	-	-	4	15	45	3	-1	1
Gain on equity warrant assets	-	-	-	-	-	-	-	-	-	6
Renewable energy tax credit investment impairment	-	3	1	-	1	-	3	16	15	1
Stock option compensation expense	1	2	2	2	2	2	1	1	0	-
Restricted Stock or Unit Expense	0	10	6	7	10	13	16	19	18	26
Stock based compensation excess tax benefit (deficiency)	-	-	-	-	-	-	-	-	-	1
Business combination contingent consideration fair value adjustment	-	-	-	-0	-	0	0	-0	0	-0
Lease right-of-use assets and liabilities, net	-	-	-	-	-	-0	0	-0	0	-0
Other assets	4	9	25	14	-0	76	-2	16	-36	12
Other liabilities	6	1	0	-2	4	2	0	-6	4	18
Net cash provided by operating activities	-335	-222	-288	12	-494	-273	-120	124	620	536
Purchases of investment securities available-for-sale	-	-	-	347	253	396	428	397	216	270
Proceeds from Sale and Maturity of Marketable Securities	20	19	20	57	111	198	240	161	114	151
Proceeds from Sale of Foreclosed Assets	1	1	1	1	1	5	7	2	-	8
Maturities of certificates of deposit with other banks	-	3	4	3	-	1	2	1	4	-
Purchases of loans previously sold	-	-	-	-	-	-	-	-	-	117
Loan and lease originations and principal collections, net	-	295	386	446	506	2,402	-9	1,269	1,626	1,835
Proceeds from sale of long lived asset	-	-	-	-	-	-	-	-	-	44
Purchases of equity security investments	-	-	-	-	-	-	-	9	3	7
Purchases of equity method investments	-	-	-	-	-	-	-	36	27	8
Proceeds from sale of equity security investments	-	-	-	-	-	-	-	-	-	2
Proceeds from sale of equity method investments	-	-	-	-	-	-	15	148	8	1
Proceeds from sale of premises and equipment	-	-	-	1	-	0	0	-	0	1
Purchases of premises and equipment, net	30	11	124	111	37	21	3	44	47	49
Net cash used by investing activities	60	-320	-535	-851	-673	-2,607	-150	-1,442	-1,775	-2,079
Net increase in deposits	283	680	775	889	1,080	1,486	1,399	1,773	1,390	1,485
Proceeds from borrowings	-	-	-	-	-	1,828	603	62	2,906	100
Repayment of borrowings	-	-	-	-	1	286	1,827	297	2,966	10
Stock option exercises	0	0	1	2	1	3	4	2	1	2
Proceeds from Stock Plans	-	-	0	0	0	1	1	1	1	1
Withholding cash issued in lieu of restricted stock and other	-	-	5	1	0	49	19	5	7	9
Proceeds from Noncontrolling Interests	-	-	-	-	-	-	-	-	-	5
Shareholder dividend distributions	3	3	4	5	5	5	5	5	5	5
Net cash provided by financing activities	348	677	880	861	1,074	2,977	155	1,531	1,321	1,569
Net increase in cash and cash equivalents	-	-	-	-	-93	97	-115	213	166	26
Interest paid	-	-	-	54	87	92	67	118	343	437
Income tax paid, net	-	-	-	-	-12	11	20	25	5	39
Unrealized holding gains (losses) on investment securities available-for-sale, net of taxes	-0	-0	-0	-0	13	10	-20	-94	8	2
Proceeds From S B A Reimbursement And Sale Of Foreclosed Assets	-	-	-	-	-	-	13	18	40	17
Net transfers between foreclosed real estate and SBA receivable	-	-	-	-	-	0	-2	-0	-	0
Transfer Asset From Property And Equipment, Net To Other Assets	-	-	-	-	-	-	-	-	-	19
Loan, Transfer from Held-for-Sale to Held-in-Portfolio	9	340	64	131	278	296	639	931	275	168
Loan and Lease, Transfer from Held-in-Portfolio to Held-for-Sale	3	2	20	94	39	97	339	468	617	476
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	-	-	-	-	-	-	3	1	1	1
Equity method investment commitments	-	-	-	-	16	3	-	17	8	-18
Equity security investment commitments	-	-	-	-	-	-	-	-	-	-1
Noncash Or Part Noncash, Accounting Changes	-	-	-	-	-	-	-	-	1	-