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, Inc. announced a leadership change in its risk management function. Effective December 1, 2025, the company appointed Ewa Stasiowska as Chief Risk Officer of both Live Oak Bancshares and its wholly owned subsidiary, Live Oak Banking Company. She replaces Gregory W. Seward, who had served as Chief Risk Officer since July 2022.
Gregory Seward will continue in his existing role as General Counsel for the company and the bank, so he remains part of the executive team. The company also issued a press release describing Ms. Stasiowska’s appointment, which is included as an exhibit to this report.
A shareholder of LOB filed a Form 144 notice to sell up to 10,000 shares of common stock through Fidelity Brokerage Services on the NYSE, with an aggregate market value of $320,458.60. The filing states that these shares were originally acquired in open market purchases for cash on 08/24/2020 and 08/27/2020.
The notice also reports that the James S Mahan Rev Trust sold 10,000 common shares on 11/26/2025 for gross proceeds of $321,747.83 during the prior three months. Shares of the issuer’s common stock outstanding were 45,857,617 at the time referenced in the form.
Live Oak Bancshares, Inc. (LOB) reported an insider transaction by a director on a Form 4. On 11/20/2025, the reporting person purchased 1,000 shares of voting common stock in an open-market transaction at a price of $30.24 per share, coded as a purchase ("P"). Following this buy, the director beneficially owned 6,697 shares of Live Oak voting common stock held directly.
The filing also notes that the director holds 2,946 restricted stock units, each representing a right to receive one share of voting common stock, which are scheduled to vest on May 1, 2026.
Live Oak Bancshares (LOB)11/18/2025, the insider exercised 12,000 voting common shares at $14.55 per share and had 3,051 shares withheld at $30.04 in a transaction coded as tax-related. On 11/19/2025, the insider exercised an additional 1,500 shares at $14.55 and sold 1,200 shares at a weighted average price of $30.2015. Following these transactions, the insider directly owned 106,126 voting common shares and held several tranches of restricted stock units that vest in equal annual installments from 2022 through 2026, contingent on continued service.
LOB disclosed a planned sale of 1,200 shares of its common stock under Rule 144. The shares are to be sold through Fidelity Brokerage Services LLC on the NYSE, with an aggregate market value of $36,241.82. The seller acquired these shares via a stock option granted on 11/19/2015 and paid cash to acquire the 1,200 shares on 11/19/2025. The notice also confirms 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. announced that its board of directors declared a cash dividend of $0.03 per share on its Voting Common Stock. The company also declared a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock. Both dividends are payable on December 15, 2025 to shareholders of record as of December 2, 2025, providing scheduled cash returns to common and preferred investors.
Live Oak Bancshares, Inc. filed its quarterly report for the period ended September 30, 2025 and restated earlier quarterly cash flow statements to correct how certain loan participation proceeds were classified between operating and investing activities, along with related non‑cash disclosures. The company reported total assets of
Live Oak Bancshares, Inc. filed an amended annual report to restate its Consolidated Statements of Cash Flows and related notes for 2024, 2023 and 2022 after identifying an error in how cash flows from sales of loan participations and related non‑cash items were classified between operating and investing activities. The amendment also updates risk factors, financial statements, controls and procedures, executive compensation disclosures, and exhibits, and includes new CEO/CFO certifications and auditor consents. Management discloses material weaknesses in internal control over financial reporting and highlights the potential impact of the restatement as a risk, while describing a small‑business‑focused, largely SBA and USDA guaranteed lending model operating nationally through a technology platform without traditional branches.
Live Oak Bancshares (LOB) filed a Form 12b-25, stating it cannot file its Q3 2025 Form 10-Q by the due date due to planned restatements of prior reports to correct cash flow classification errors.
The restatements are limited to the Statements of Cash Flows and do not affect income statements, balance sheets, capital ratios, or other key performance metrics. Management identified a material weakness in internal control over financial reporting related to cash flow classification. The company anticipates filing the amended reports and the Q3 2025 Form 10-Q on or about November 17, 2025.
Live Oak Bancshares reported it will restate its Consolidated Statements of Cash Flows and related notes in its FY2024 Form 10-K and the Q1 and Q2 2025 Form 10-Qs after identifying a classification error between operating and investing cash flows tied to loan participations. Management and the Audit Committee, in consultation with KPMG, determined prior cash flow statements and associated audit reports should no longer be relied upon, and amendments are expected on or about November 17, 2025.
The company stated the misclassification did not affect income statements, balance sheets, equity, cash balances, liquidity measures, loan totals or classifications, credit reserves, regulatory capital ratios, net interest income or margin, net income, returns, asset quality ratios, or other key metrics discussed with investors. Management concluded the error is quantitatively material and identified a material weakness in internal control over financial reporting for cash flow classification. KPMG’s report on internal control over financial reporting as of December 31, 2024 should no longer be relied upon. The company anticipates remediating the weakness by the 2025 Form 10-K.