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as of 04-06-2026 3:43pm EST
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
| Founded: | 2008 | Country: | United States |
| Employees: | N/A | City: | WILMINGTON |
| Market Cap: | 1.9B | IPO Year: | 2014 |
| Target Price: | $42.75 | AVG Volume (30 days): | 245.3K |
| Analyst Decision: | Buy | Number of Analysts: | 4 |
| Dividend Yield: | Dividend Payout Frequency: | quarterly | |
| EPS: | 2.23 | EPS Growth: | 31.95 |
| 52 Week Low/High: | $22.68 - $42.89 | Next Earning Date: | 04-22-2026 |
| Revenue: | N/A | Revenue Growth: | N/A |
| Revenue Growth (this year): | 35.52% | Revenue Growth (next year): | 16.03% |
| P/E Ratio: | 14.97 | Index: | N/A |
| Free Cash Flow: | 143.5M | FCF Growth: | +33.51% |
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Stock Insider Trading Activity of Live Oak Bancshares Inc. (LOB)
Chief Executive Officer
Avg Cost/Share
$32.50
Shares
10,000
Total Value
$325,041.00
Owned After
2,947,844
SEC Form 4
Chief Executive Officer
Avg Cost/Share
$32.83
Shares
10,000
Total Value
$328,280.00
Owned After
2,947,844
SEC Form 4
Chief Executive Officer
Avg Cost/Share
$35.63
Shares
10,000
Total Value
$354,322.61
Owned After
2,947,844
Chief Executive Officer
Avg Cost/Share
$36.69
Shares
10,000
Total Value
$366,872.00
Owned After
2,947,844
SEC Form 4
Chief Financial Officer
Avg Cost/Share
$36.58
Shares
4,712
Total Value
$172,379.10
Owned After
10,103
SEC Form 4
General Counsel
Avg Cost/Share
$36.70
Shares
3,000
Total Value
$110,100.00
Owned After
113,797
SEC Form 4
Chief Executive Officer
Avg Cost/Share
$39.64
Shares
10,000
Total Value
$393,780.05
Owned After
2,947,844
Chief Executive Officer
Avg Cost/Share
$39.43
Shares
10,000
Total Value
$393,218.79
Owned After
2,947,844
Chief Executive Officer
Avg Cost/Share
$40.74
Shares
10,000
Total Value
$402,114.93
Owned After
2,947,844
Chief Executive Officer
Avg Cost/Share
$42.16
Shares
10,000
Total Value
$418,957.79
Owned After
2,947,844
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| MAHAN JAMES S III | LOB | Chief Executive Officer | Mar 12, 2026 | Sell | $32.50 | 10,000 | $325,041.00 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Mar 11, 2026 | Sell | $32.83 | 10,000 | $328,280.00 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Mar 5, 2026 | Sell | $35.63 | 10,000 | $354,322.61 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Mar 4, 2026 | Sell | $36.69 | 10,000 | $366,872.00 | 2,947,844 | |
| Phifer Walter J | LOB | Chief Financial Officer | Mar 2, 2026 | Sell | $36.58 | 4,712 | $172,379.10 | 10,103 | |
| Seward Gregory W | LOB | General Counsel | Mar 2, 2026 | Sell | $36.70 | 3,000 | $110,100.00 | 113,797 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Feb 26, 2026 | Sell | $39.64 | 10,000 | $393,780.05 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Feb 25, 2026 | Sell | $39.43 | 10,000 | $393,218.79 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Feb 5, 2026 | Sell | $40.74 | 10,000 | $402,114.93 | 2,947,844 | |
| MAHAN JAMES S III | LOB | Chief Executive Officer | Feb 4, 2026 | Sell | $42.16 | 10,000 | $418,957.79 | 2,947,844 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K SELL Jan 21, 2026 · 100% conf.
Q4 2025 Earnings
8-K SELLJan 21, 2026 · 100% conf.
1D
-5.17%
$36.98
Act: +4.51%
5D
-9.26%
$35.39
Act: -1.77%
20D
-6.72%
$36.38
Act: +3.03%
lob-20260121FALSE000146212000014621202026-01-212026-01-210001462120us-gaap:CommonStockMember2026-01-212026-01-210001462120us-gaap:SeriesAPreferredStockMember2026-01-212026-01-21
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 21, 2026
LIVE OAK BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
North Carolina001-3749726-4596286 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
1741 Tiburon Drive,Wilmington,NC28403 (Address of principal executive offices)(Zip Code)
Registrant’s Telephone Number, Including Area Code: (910) 790-5867
Not Applicable (Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered Voting Common Stock, no par value per shareLOBNew York Stock Exchange LLC Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, no par value per share LOB/PANew York Stock Exchange LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o
Item 2.02. Results of Operations and Financial Condition. On January 21, 2026, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the fourth quarter ended December 31, 2025. A copy of the press release announcing the Company’s results for the fourth quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01. Financial Statements and Exhibits. (d) Exhibits
Exhibit Number Description
99.1 Press Release dated January 21, 2026
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
1
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
LIVE OAK BANCSHARES, INC.
Date: January 21, 2026By:/s/ Walter J. Phifer Walter J. Phifer Chief Financial Officer
2
2025 Q3 Q3 2025 Earnings
8-K Oct 22, 2025
Q3 2025 Earnings
8-KOct 22, 2025
lob-20251022FALSE000146212000014621202025-10-222025-10-220001462120us-gaap:CommonStockMember2025-10-222025-10-220001462120us-gaap:SeriesAPreferredStockMember2025-10-222025-10-22
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2025
LIVE OAK BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
North Carolina001-3749726-4596286 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
1741 Tiburon Drive,Wilmington,NC28403 (Address of principal executive offices)(Zip Code)
Registrant’s Telephone Number, Including Area Code: (910) 790-5867
Not Applicable (Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered Voting Common Stock, no par value per shareLOBNew York Stock Exchange LLC Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, no par value per share LOB/PANew York Stock Exchange LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o
Item 2.02. Results of Operations and Financial Condition. On October 22, 2025, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the third quarter ended September 30, 2025. A copy of the press release announcing the Company’s results for the third quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01. Financial Statements and Exhibits. (d) Exhibits
Exhibit Number Description
99.1 Press Release dated October 22, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
1
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
LIVE OAK BANCSHARES, INC.
Date: October 22, 2025 By:/s/ Walter J. Phifer Walter J. Phifer Chief Financial Officer
2
2025 Q2 Q2 2025 Earnings
8-K Jul 23, 2025
Q2 2025 Earnings
8-KJul 23, 2025
lob-20250723FALSE000146212000014621202025-07-232025-07-23
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2025
LIVE OAK BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
North Carolina001-3749726-4596286 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
1741 Tiburon Drive,Wilmington,NC28403 (Address of principal executive offices)(Zip Code)
Registrant’s Telephone Number, Including Area Code: (910) 790-5867
Not Applicable (Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered Voting Common Stock, no par value per shareLOBNew York Stock Exchange LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o
Item 2.02. Results of Operations and Financial Condition. On July 23, 2025, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the second quarter ended June 30, 2025. A copy of the press release announcing the Company’s results for the second quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Item 9.01. Financial Statements and Exhibits. (d) Exhibits
Exhibit Number Description
99.1 Press release dated July 23, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
1
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
LIVE OAK BANCSHARES, INC.
Date: July 23, 2025 By:/s/ Walter J. Phifer
Walter J. Phifer Chief Financial Officer
2
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The information presented on this page, "LOB Live Oak Bancshares Inc. - Stocks Price | History | Analysis", including historical data, forecasts, news, insider information, and predictions, is provided for educational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any securities. Decisions regarding investments should be made only after careful consideration and consultation with a qualified financial advisor. We do not endorse or guarantee the accuracy or reliability of the information provided, and we disclaim any liability for financial losses incurred as a result of decisions made based on the information presented.