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Live Oak Bancshares LOB Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Bank of America logo
Bank of AmericaBAC
$200M+135%
The Bancorp logo
The BancorpTBBK
$1.05M+113%
OFG Bancorp logo
OFG BancorpOFG
$390K+370%
National Bank Holdings logo
National Bank HoldingsNBHC
$1.19M+147%
Northwest Bancshares logo
Northwest BancsharesNWBI
$54K+5.9%
Customers Bancorp logo
Customers BancorpCUBI
$991K+36.7%

Other financials

Income statement

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Revenue$145.5M+18.4%
Net income$30.0M+209%
EPS (diluted)$0.60+186%

Balance sheet

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Cash & equivalents$816.1M+9.7%
Total debt$99.7M-9.5%
Total equity$1.3B+24.4%
Total assets$15.3B+12.5%

Cash flow

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Operating cash flow$87.4M+394%
CapEx$2.0M-10.8%
Free cash flow$85.3M+366%

Valuation

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Market cap$1.84B+25.8%
Enterprise value$1.13B+39.8%
P/E14.6×-10.0×
P/S3.1×+0.1×

Profitability

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Net margin21.1%+9.1pp
FCF margin43.7%+30.2pp

Returns & leverage

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Return on equity11%+4.9pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Live Oak Bancshares in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: Live Oak Bancshares’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Live Oak Bancshares's accretion (amortization) of discounts and premiums, investments?
Live Oak Bancshares (LOB) reported accretion (amortization) of discounts and premiums, investments of $155K in Q1 2026.
How has Live Oak Bancshares's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Live Oak Bancshares's accretion (amortization) of discounts and premiums, investments increased by 86.7% year-over-year, from $83K to $155K.
What is the long-term trend for Live Oak Bancshares's accretion (amortization) of discounts and premiums, investments?
Over 3 years (2021 to 2025), Live Oak Bancshares's accretion (amortization) of discounts and premiums, investments has grown at a -54.5% compound annual growth rate (CAGR), from -$6.46M to $609K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. It reflects the systematic allocation of the difference between the purchase price and the par value of debt securities over their remaining life. This metric is essential for understanding the true yield of the investment portfolio beyond the stated coupon rate.