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.
An affiliate of issuer LOB filed a notice to sell 10,000 shares of common stock under Rule 144 through Fidelity Brokerage Services LLC on 02/11/2026, with an aggregate market value of $415,600 on the NYSE.
The filing lists 45,857,617 shares of common stock outstanding. The seller acquired the shares in open market purchases on 08/19/2020 and 08/20/2020, paid in cash. It also details multiple prior 10,000‑share sales over the past three months with stated gross proceeds for each trade.
Live Oak Bancshares, Inc. chief financial officer Walter J. Phifer exercised employee stock options and increased his direct share ownership. On February 6, 2026, he exercised 6,160 stock options at $13.59 per share, receiving 6,160 shares of voting common stock and bringing his directly held stake to 12,872 shares. He also holds several restricted stock unit awards that each convert into one share of voting common stock as they vest in equal annual installments from February 2022 through August 2026, contingent on continued service.
Live Oak Bancshares, Inc. (LOB) reported pre-planned insider stock sales by a trust associated with its Chief Executive Officer, director and 10% owner James S. Mahan III. A total of 20,000 shares of voting common stock were sold on February 4–5, 2026 by the James S. Mahan Revocable Trust at weighted average prices between $40.1332 and $42.4358, under a Rule 10b5-1 trading plan adopted on August 27, 2025. After these transactions, the trust held 3,047,844 shares of voting common stock indirectly, with additional indirect holdings reported for other family trusts and an LLC.
Live Oak Bancshares, Inc. received an Amendment No. 8 to Schedule 13G from James S. Mahan III, Marguerite D. Mahan and their revocable trusts, reporting significant ownership of the company’s voting common stock.
Each of James and Marguerite Mahan is reported as beneficially owning 6,619,682 shares, or 14.4% of the voting common stock, based on 45,857,617 shares outstanding as of November 14, 2025, as disclosed in the issuer’s Form 10‑Q. Their respective revocable trusts are listed separately, with the James S. Mahan III Revocable Trust holding 3,067,844 shares (6.7%) and the Marguerite D. Mahan Revocable Trust holding 3,032,547 shares (6.6%).
The filing details how these shares are split between sole and shared voting and dispositive power through the individual trusts, family trusts, a nonprofit entity called Salt Water Fund, and Peapod II, LLC, reflecting a concentrated insider and family-related ownership position in LOB.
James S. Mahan Rev Trust has filed a Rule 144 notice to sell 10,000 shares of the issuer’s common stock through Fidelity Brokerage Services LLC on or about February 5, 2026 on the NYSE, with an aggregate market value of $402,139.96.
The shares were originally acquired in an open-market purchase from the issuer on August 20, 2020 for cash. The notice also lists prior common stock sales of 10,000 shares per transaction by the same trust between November 26, 2025 and February 4, 2026. Common shares outstanding were 45,857,617 at the time referenced.
James S Mahan Rev Trust has filed a notice of proposed sale under Rule 144 for 10,000 shares of common stock, with an aggregate market value of $410,100.00, to be sold through Fidelity Brokerage Services LLC on or about 02/04/2026 on the NYSE.
The issuer had 45,857,617 shares of this class outstanding. The trust previously sold eight 10,000-share blocks between November and December 2025, including sales on 11/26/2025 for $321,747.83 and on 12/19/2025 for $361,758.75.
Live Oak Bancshares, Inc. insider activity shows Chief Risk Officer Ewa Maria Stasiowska buying voting common stock. On 01/26/2026, she purchased 2,595.231 shares in an open-market transaction at a weighted average price of $38.532 per share, bringing her directly held stake to 2,595.231 shares.
The trade was executed in multiple lots at prices ranging from $38.532 to $38.535, with the reported price reflecting the weighted average across those trades.
Live Oak Bancshares, Inc. Chief Experience Officer Spencer Courtney reported an option exercise and share sale. On January 26, 2026, he exercised a stock option for 14,000 shares of voting common stock at $13.59 per share, increasing his direct holdings. The same day, he sold 9,700 shares of voting common stock at a weighted average price of $39.005 per share, in trades executed between $39.000 and $39.155, leaving 25,160 shares held directly. He also reports 153.7958 shares held indirectly by his spouse and multiple blocks of restricted stock units, each representing a contingent right to receive one share of voting common stock that vest over several annual installments.
A shareholder of LOB filed a Form 144 notice to sell 9,700 shares of common stock through Fidelity Brokerage Services on the NYSE, with an aggregate market value of $378,345.79. The filing indicates total common shares outstanding of 45,857,617 at the time referenced, which serves as a baseline for the company’s overall share count. The shares to be sold were acquired on 01/26/2026 by exercising an option that had originally been granted on 02/16/2016, with the exercise price paid in cash. The form notes that the seller represents they are not aware of any undisclosed material adverse information about the issuer’s current or prospective operations.
Live Oak Bancshares, Inc. reported that it has released its financial results for the fourth quarter ended December 31, 2025. The company furnished this information through a press release dated January 21, 2026, which is attached as an exhibit to this report and incorporated by reference. The report also notes that the information in this item is being provided for disclosure purposes and is not deemed to be filed for liability provisions of the securities laws or automatically incorporated into other securities filings.