LOB Live Oak Bancshares, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: National online platform for SBA-guaranteed small business lending and deposit gathering
• • Emphasis on technology-based platform optimizing loan origination, customer experience, and servicing without traditional branches
• • Strategy: Focus on select industry verticals with personalized customer knowledge through virtual and in-person visits
• • SBA and USDA loan programs including REAP, WEP, B&I, and Community Facilities as primary lending segments
• • Distinctive use of virtual and regular customer visits nationwide to enhance lending relationships and risk management

Risk Factors

• • SBA Preferred Lender status risk, potential loss could materially harm business due to dependency on SBA 7(a) and USDA loan programs
• • U.S. government shutdown or default risk, impeding SBA and USDA loan origination and secondary market sales, materially affecting operations
• • AI deployment operational risk, including errors, oversight challenges, cyber vulnerabilities, and increased regulation by U.S. agencies and states
• • Cybersecurity risk from breaches of company or third-party systems, causing data loss, litigation, reputational harm, and regulatory penalties
• • Material weaknesses in internal control over financial reporting, risking investor confidence loss, legal exposure, and NYSE listing challenges

Management Discussion & Analysis

• • Revenue: Net interest income $448.4M, up 19.3% YoY from $375.9M; net gains on loan sales $62.5M, up 25.4%
• • Profitability: Net income $102.8M vs $77.5M, EPS $2.23 vs $1.69; net interest margin 3.30% vs 3.27%
• • Best segment: Loan and lease portfolio growth driving $72.5M net interest income rise; worst: management fee and noninterest income down $27.9M combined
• • Cash flow/capex: Not disclosed in provided text
• • Outlook: Fed funds rate held at 3.75%, projections of 25 bps decrease by end-2026; rate changes may impact net interest income

What are the latest LOB SEC filings in 2026?

Live Oak Bancshares, Inc. (LOB) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 22, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did LOB file its most recent 10-K annual report?

Live Oak Bancshares, Inc. (LOB) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view LOB 10-Q quarterly reports?

Live Oak Bancshares, Inc. (LOB)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every LOB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has LOB filed recently?

Live Oak Bancshares, Inc. (LOB)'s most recent 8-K was filed on July 22, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find LOB insider trading activity (Form 4)?

SignalX aggregates every LOB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does LOB file with the SEC?

Live Oak Bancshares, Inc. (LOB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new LOB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Live Oak Bancshares, Inc. (LOB).

What is LOB's SEC CIK number?

Live Oak Bancshares, Inc. (LOB)'s SEC CIK (Central Index Key) number is 1462120. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1462120 to look up all LOB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find LOB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Live Oak Bancshares, Inc. (LOB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.