STOCK TITAN

Live Oak Bancshares (NYSE: LOB) director sells 8,400 shares via 10b5-1 plan

(Moderate)
(Negative)
Form Type
4

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. director William L. Williams III, through the William L. Williams Revocable Trust, sold 8,400 shares of Voting Common Stock on August 3, 2026 at a weighted average price of $43.0792, in multiple trades between $42.56 and $43.40, under a Rule 10b5-1 trading plan adopted March 12, 2026.

Following the sale, the Revocable Trust held 1,114,125.8621 shares indirectly; additional reported holdings were 52,825 shares held directly, and 14,110 and 137,025 shares held indirectly through Spoint-ILM, LLC and the Elizabeth Williams Family Trust, respectively.

Positive

  • None.

Negative

  • None.
Insider WILLIAMS WILLIAM L. III
Role Director
Sold 8,400 shs ($362K)
Type Security Shares Price Value
Sale Voting Common Stock F1, F2 8,400 $43.0792 $362K
holding Voting Common Stock -- -- --
holding Voting Common Stock -- -- --
holding Voting Common Stock -- -- --
Holdings After Transaction: Voting Common Stock — 1,114,125.8621 shares (Indirect, By William L. Williams Revocable Trust); Voting Common Stock — 52,825 shares (Direct); Voting Common Stock — 14,110 shares (Indirect, By Spoint-ILM, LLC); Voting Common Stock — 137,025 shares (Indirect, By Elizabeth Williams Family Trust)
Footnotes (2)
  1. F1. The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 12, 2026.
  2. F2. This transaction was executed in multiple trades at prices ranging from $42.56 to $43.40. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected.
Shares sold 8,400 shares Voting Common Stock sold on August 3, 2026
Weighted average sale price $43.0792 per share Average price across multiple trades for the 8,400-share sale
Trade price range $42.56–$43.40 per share Range of prices at which the 8,400 shares were sold
Revocable Trust holdings after sale 1,114,125.8621 shares Indirect ownership by William L. Williams Revocable Trust following the transaction
Direct holdings after transaction 52,825 shares Shares held directly by the reporting person after the reported date
Spoint-ILM, LLC holdings 14,110 shares Indirect holdings reported as owned through Spoint-ILM, LLC
Elizabeth Williams Family Trust holdings 137,025 shares Indirect holdings reported as owned through Elizabeth Williams Family Trust
Rule 10b5-1 plan adoption date March 12, 2026 Adoption date of trading plan governing the reported sale
Rule 10b5-1 trading plan regulatory
"The sales were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person"
A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.
weighted average price financial
"The price reported in Column 4 is a weighted average price"
Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.
Voting Common Stock financial
"security_title: Voting Common Stock"
Revocable Trust financial
"nature_of_ownership: By William L. Williams Revocable Trust"
A revocable trust is a legal arrangement where the person who creates it keeps control and can change or cancel the trust at any time, while naming who will manage and receive the assets later. Think of it like a flexible folder for your investments and property that can be relabeled or reworked as circumstances change; it matters to investors because it determines how ownership is recorded, how easily assets transfer on incapacity or death, and whether holdings bypass public probate proceedings.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What insider transaction did William L. Williams III report at Live Oak Bancshares (LOB)?

He reported a sale of 8,400 shares of Live Oak Bancshares Voting Common Stock. The transaction occurred on August 3, 2026 at a $43.0792 weighted average price, executed in multiple trades between $42.56 and $43.40 under a Rule 10b5-1 plan.

Was the LOB insider sale by William L. Williams III under a Rule 10b5-1 trading plan?

Yes. The 8,400-share sale was effected pursuant to a Rule 10b5-1 trading plan. The plan was adopted on March 12, 2026, and the Form 4 indicates the Rule 10b5-1 checkbox is affirmed for these transactions.

What are William L. Williams III’s holdings in Live Oak Bancshares (LOB) after the reported sale?

After the sale, the William L. Williams Revocable Trust held 1,114,125.8621 shares indirectly. Additional reported positions include 52,825 shares held directly, and 14,110 and 137,025 shares held indirectly via Spoint-ILM, LLC and the Elizabeth Williams Family Trust.

What price range applied to the 8,400-share Live Oak Bancshares (LOB) sale?

The 8,400 shares were sold in multiple trades at prices ranging from $42.56 to $43.40. The Form 4 reports a $43.0792 weighted average price and notes that detailed trade breakdowns are available upon request to the company or SEC staff.

How is ownership of the reported LOB shares structured for William L. Williams III?

Holdings are split between direct and indirect ownership. The sale and over 1.1 million shares are held indirectly through the William L. Williams Revocable Trust, with additional indirect stakes via Spoint-ILM, LLC and the Elizabeth Williams Family Trust, plus a 52,825-share direct position.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
X
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
WILLIAMS WILLIAM L. III

(Last)(First)(Middle)
1741 TIBURON DRIVE

(Street)
WILMINGTON NORTH CAROLINA 28403

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Live Oak Bancshares, Inc. [ LOB ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/03/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Voting Common Stock08/03/2026S(1)8,400D$43.0792(2)1,114,125.8621IBy William L. Williams Revocable Trust
Voting Common Stock52,825D
Voting Common Stock14,110IBy Spoint-ILM, LLC
Voting Common Stock137,025IBy Elizabeth Williams Family Trust
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 12, 2026.
2. This transaction was executed in multiple trades at prices ranging from $42.56 to $43.40. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer, or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected.
Remarks:
/s/ Jonathan A. Greene, By Power of Attorney08/05/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)