Welcome to our dedicated page for Live Oak Bancshares SEC filings (Ticker: LOB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to SEC filings for Live Oak Bancshares, Inc. (NYSE: LOB), a North Carolina–incorporated financial holding company and parent company of Live Oak Bank. Through these filings, investors can review the company’s detailed financial statements, risk disclosures, capital structure information, and governance updates.
Live Oak Bancshares’ periodic reports, such as its Form 10-K annual reports and Form 10-Q quarterly reports, present audited and unaudited financial statements, including net interest income, noninterest income, loan and lease production, deposit balances, total assets, and key performance measures. These filings also describe the company’s focus on small business lending, SBA 7(a) and USDA loan programs, and its use of a technology-based platform to support its banking model.
Current reports on Form 8-K offer more targeted updates. Recent 8-K filings have covered topics such as quarterly earnings announcements, restatements of Statements of Cash Flows and the related identification of a material weakness in internal control over financial reporting, dividend declarations on common stock and 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock depositary shares, the appointment of new directors and a Chief Risk Officer, and information about a prearranged Rule 10b5-1 stock trading plan adopted by the company’s chairman and chief executive officer.
Investors interested in capital structure and securities terms can review filings related to the company’s depositary share offering for its Series A preferred stock, including prospectus supplements and 8-K disclosures describing dividend rates, listing intentions, and potential redemption features. Filings also discuss the company’s status as a financial holding company, regulatory considerations tied to SBA and USDA programs, and technology and operational risks.
On Stock Titan, these filings are updated in near real time as they are posted to the SEC’s EDGAR system. AI-powered summaries help explain the contents of lengthy documents, highlighting items such as changes in internal control, restatement impacts on Statements of Cash Flows, dividend decisions, and board or executive appointments. Users can quickly scan 10-K and 10-Q reports for segment performance and risk factors, and examine Form 4 insider transaction reports and other ownership disclosures when available. This combination of raw filings and AI explanations allows readers to understand how Live Oak Bancshares’ regulatory reporting reflects its small business banking strategy, fintech investments, and risk management practices.
Live Oak Bancshares (LOB) director reported a bona fide gift of 3,000 shares of voting common stock on 10/29/2025 (Code G). Following the transaction, the reporting person beneficially owns 15,677 common shares directly.
The filing also lists 4,000 depositary shares, each representing a 1/40th interest in the Company’s 8.375% Series A Preferred Stock with a $1,000 liquidation preference per preferred share ($25 per depositary share), and 2,946 restricted stock units tied to voting common stock that vest on May 1, 2026.
Live Oak Bancshares, Inc. furnished an 8-K announcing its financial results for the third quarter ended September 30, 2025. The company provided a press release as Exhibit 99.1, which is incorporated by reference and contains the detailed results.
The disclosure under Item 2.02 is designated as “furnished” and not deemed “filed” under the Exchange Act. The company’s securities listed include Voting Common Stock (LOB) and Depositary Shares for its 8.375% Series A Preferred (LOB/PA) on the NYSE.
Live Oak Bancshares insider transaction summary: Director Jeffrey W. Lunsford reported transactions dated 09/04/2025. He disposed of 10,750 shares of the company’s voting common stock and beneficial ownership following that disposal is reported as 10,750 fewer shares. On the same date he was granted 1,890 restricted stock units (RSUs), each representing the contingent right to receive one share of voting common stock. The RSUs were granted at a $0 conversion price and vest on May 1, 2026, when they will convert into voting common stock if vesting conditions are met. The Form 4 was signed by power of attorney on 09/08/2025.
Live Oak Bancshares, Inc. reported that its Chairman and Chief Executive Officer, James S. Mahan III, adopted a prearranged stock trading plan under Rule 10b5-1. The plan allows him to sell up to 400,000 shares of the company’s voting common stock as part of his personal long-term financial and tax planning strategies.
The sales may occur over a defined period from November 2025 through September 2026. Any transactions executed under this plan will be reported through Form 4 filings with the Securities and Exchange Commission, providing ongoing public transparency about the CEO’s share sales.
Live Oak Bancshares insider reporting: William C. Losch III, President and director, reported transactions on 08/25/2025 involving restricted stock units and common shares. He was credited with 50,000 RSUs (each representing one share) and the filing lists multiple outstanding RSU awards totaling scheduled vesting in annual installments beginning between 2022 and 2026. The report also shows a disposition of 22,221 common shares at $37.70 per share, reducing his beneficial ownership of voting common stock from 212,794 to 190,573 following the transactions. The form is signed by power of attorney on 08/27/2025.
Live Oak Bancshares, Inc. (LOB) Form 3 discloses that Jeffrey W. Lunsford holds 10,750 shares of Voting Common Stock as a direct beneficial owner and is reported as a Director of the issuer. This filing is an initial statement of beneficial ownership indicating the director's equity stake and the reporting person filed individually.
Michael Cairns, Chief Credit Officer at Live Oak Bancshares (LOB) reported changes in beneficial ownership on 08/19/2025. The filing shows acquisition of 2,420 restricted stock units (RSUs) (Transaction code M) and disposition of 1,076 shares (Transaction code F) at a price of $35.35. After these transactions the reporting person beneficially owns 9,366 shares (non-derivative) and 9,680 shares beneficially attributable to derivative/RSU holdings. The RSUs each convert to one share and have multiple vesting schedules disclosed, with scheduled vesting installments through 2029 subject to continuous service.
Live Oak Bancshares insider transaction summary: Walter J. Phifer, Chief Financial Officer, reported a disposal of 5,743 shares of the company's voting common stock on 08/18/2025. On the same date he was granted 14,581 restricted stock units (RSUs) that convert one-for-one into voting common stock and vest in five equal annual installments beginning on August 18, 2026, subject to continued service.
The filing also lists several previously granted RSU tranches with staggered vesting dates and an employee stock option exercisable for 6,160 shares (exercise price $13.59) that vested in multiple installments through February 16, 2023. All reported equity holdings are held directly by the reporting person.
David G. Lucht, a director of Live Oak Bancshares, Inc. (LOB), reported transactions on 08/18/2025. He purchased 4,000 depositary shares at $25.1248 per depositary share, resulting in beneficial ownership of 4,000 depositary shares and 18,677 voting common shares following the transaction. The filing also shows 2,946 restricted stock units held that vest on May 1, 2026. The filing explains that each depositary share equals a 1/40th interest in the Companys Series A Preferred Stock (equivalent to $25.00 per depositary share) and that each RSU represents a contingent right to one share of voting common stock.
Live Oak Bancshares, Inc. reported that its Board of Directors declared two cash dividends on August 19, 2025. The company will pay a cash dividend of $0.03 per share on its Voting Common Stock and a cash dividend of $0.23845 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock. Both dividends are payable on September 15, 2025 to shareholders of record as of September 2, 2025, meaning investors must be on the books by that date to receive the payments.