LOB at a glance
Live Oak Bancshares, Inc. (LOB, SEC CIK 1462120) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on August 28, 2026 and Form 4 insider filings as recently as September 11, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Live Oak Bancshares, Inc. (LOB) reported revenue of $908.5 million (up 11.8% from FY2024) and net income of $105.9 million. Diluted EPS was $2.23.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding Live Oak Bancshares, Inc. (LOB) shares worth $486.1 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by MAHAN JAMES S III on September 10, 2026 of 10,000 shares at $38.75 per share.
- In the last 90 days, LOB insiders reported 0 open-market purchases ($0) and 20 open-market sales ($5.3M) on Form 4, a net sale of $5.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $908.5M
- +11.8% vs prior year
- Insiders · 90 days
- 0 buys · 20 sells
- Net −$5.3M
- 13F holders
- 29 funds
- $486.1M · +1 vs prior quarter
- Latest 8-K
- Aug 28, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
- Outlook: Fed funds rate held at 3.75%, projections of 25 bps decrease by end-2026; rate changes may impact net interest income
AI summary of the LOB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $34.7M vs $23.4M YoY; diluted EPS $0.74 vs $0.51
- Net interest income $125.3M vs $109.2M; net interest margin 3.33% vs 3.28%
- Best line: loans and leases held for investment interest income $211.3M vs $196.5M
- Provision for credit losses $25.8M vs $23.3M; net charge-offs 0.80% vs 1.19%
- Loan portfolio $12.40B, up 15.8% YoY; headwinds included nonperforming loans $124.3M vs $59.6M
Risk Factors
- No material changes to risk factors from the December 31, 2025 Form 10-K
- No newly added risk factor during the quarter ended June 30, 2026
- No material regulatory, legal, or compliance risk updates disclosed
- No material operational, competitive, market, liquidity, debt, currency, or concentration risk updates disclosed
AI summary of the LOB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- CEO and Chairman James Mahan III established a Rule 10b5-1 plan covering up to 400,000 voting common shares
- Potential sales scheduled from November 2026 through November 2027
Item 8.01: Other Events
- Quarterly cash dividend of $0.03 per Voting Common share
- Preferred dividend of $0.52344 per depositary share on 8.375% Series A perpetual preferred stock
Item 2.02: Results of Operations and Financial Condition
- Second-quarter financial results for period ended June 30, 2026 announced July 22, 2026
- Detailed results and management commentary contained in Exhibit 99.1
AI summaries of LOB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for LOB
Don't miss the next LOB filing
- Alerts as it files. A push when LOB files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut LOB, by share count.
- Ask anything. An AI agent that reads every LOB filing and answers with sources.
LOB alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MAHAN JAMES S III | Sell | Sep 10, 2026 | 10,000 | $38.75 |
| MAHAN JAMES S III | Sell | Sep 9, 2026 | 10,000 | $38.63 |
| Bradford Tonya Williams | Sell | Sep 3, 2026 | 1,600 | $39.89 |
| WILLIAMS WILLIAM L. III | Sell | Sep 3, 2026 | 6,590 | $40.09 |
| MAHAN JAMES S III | Sell | Sep 3, 2026 | 10,000 | $39.75 |
| MAHAN JAMES S III | Sell | Sep 2, 2026 | 9,742 | $39.53 |
| MAHAN JAMES S III | Sell | Sep 2, 2026 | 258 | $39.88 |
| WILLIAMS WILLIAM L. III | Sell | Sep 2, 2026 | 1,810 | $40.00 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $688.3M | $812.4M | $908.5M |
| Net Income | $73.9M | $77.5M | $105.9M |
| Net Margin | 10.7% | 9.5% | 11.7% |
| Balance Sheet | |||
| Total Assets | $11.3B | $12.9B | $15.1B |
| Equity | $902.7M | $999.0M | $1.2B |
| ROE | 8.2% | 7.8% | 8.5% |
| Per Share | |||
| EPS | - | $1.69 | $2.23 |
| Cash Flow | |||
| Operating CF | $620.1M | $536.5M | $158.2M |
| CapEx | $46.8M | $49.3M | $14.8M |
Source: XBRL data in Live Oak Bancshares, Inc. (LOB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate LOB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $486.1M |
| Q1 2026 | 28 | $392.4M |
| Q4 2025 | 25 | $420.6M |
| Q3 2025 | 25 | $430.8M |
| Q2 2025 | 24 | $349.1M |
| Q1 2025 | 24 | $228.1M |
| Q4 2024 | 18 | $291.7M |
| Q3 2024 | 13 | $232.6M |
- Vanguard Capital Management LLC+122.0K (+8%)
- Vanguard Portfolio Management LLC+88.7K (+10%)
- BlackRock+83.0K (+2%)
- FMR LLC (Fidelity)+55.6K (+187%)
- Bank of America Corp+55.4K (+32%)
- Goldman Sachs Group−115.6K (-36%)
- Millennium Management−112.7K (-83%)
- State Street Corp−69.7K (-5%)
- JPMorgan Chase & Co−64.8K (-61%)
- D.E. Shaw & Co−45.1K (-17%)
- Prudential Financial+6.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 186 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
LOB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 8-K | Aug 28, 2026 | - | Analysis | - |
| 4 | Aug 28, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 21, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 5, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 29, 2026 | - | - | - |
| 4 | Jul 29, 2026 | - | - | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
Related Financials companies
- SRCE · 1ST SOURCE CORPState Commercial Banks
- ACNB · ACNB CORPState Commercial Banks
- ALLY · Ally Financial IncState Commercial Banks
- AMAL · Amalgamated Financial Corp.State Commercial Banks
- ABCB · Ameris BancorpState Commercial Banks
- ASB · ASSOCIATED BANC-CORPState Commercial Banks
- AUB · Atlantic Union Bankshares CorpState Commercial Banks
- AVBH · Avidbank Holdings, Inc.State Commercial Banks
LOB SEC filings: frequently asked questions
Are LOB insiders buying or selling?
In the last 90 days, Live Oak Bancshares, Inc. (LOB) officers, directors and 10% owners reported no open-market purchases and 20 open-market sales worth $5.3 million by 6 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold LOB stock?
As of June 30, 2026, the largest Live Oak Bancshares, Inc. (LOB) holders among the 13F filers tracked by SignalX were BlackRock ($143.6 million), Vanguard Capital Management LLC ($67.6 million), Dimensional Fund Advisors ($66.0 million), State Street Corp ($55.9 million), Vanguard Portfolio Management LLC ($40.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was LOB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Live Oak Bancshares, Inc. (LOB) reported revenue of $908.5 million (up 11.8% from FY2024) and net income of $105.9 million. Diluted EPS was $2.23. The figures come from the XBRL data in the 10-K.
What are the main risks in LOB's latest 10-K?
In the 10-K filed February 27, 2026, Live Oak Bancshares, Inc. (LOB) flagged: 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 summary of the Risk Factors section.)
What did LOB report in its latest 8-K?
Live Oak Bancshares, Inc. (LOB) filed an 8-K on August 28, 2026 reporting Item 8.01 (Other Events). CEO and Chairman James Mahan III established a Rule 10b5-1 plan covering up to 400,000 voting common shares.
What are the latest LOB SEC filings?
Live Oak Bancshares, Inc. (LOB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on August 28, 2026 and a Form 4 insider filing on September 11, 2026.
What is LOB's SEC CIK number?
Live Oak Bancshares, Inc. (LOB)'s SEC Central Index Key (CIK) is 1462120. EDGAR lists every LOB filing under that number.
Ask anything about LOB
The research agent reads LOB's filings, financials, insider trades and 13F holders, then answers with sources.