LOB - NYSE
Live Oak Bancshares, Inc.
$36.01
-3.6%Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also offers commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company provides settlement, accounting, and securitization services for government guaranteed loans; wealth and investment management services to high-net-worth individuals and families; investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies; and an on-site restaurant location to company employees and business visitors. Live Oak Bancshares, Inc. was incorporated in 2008 and is headquartered in Wilmington, North Carolina.
At a Glance
Live SnapshotLive Oak Bancshares, Inc. Management Team
Mr. James S. Mahan III
Chairman & Chief Executive Officer
Compensation
$844,974
Mr. John Wesley Sutherland
Chief Accounting Officer
Mr. Walter J. Phifer
Chief Financial Officer
Compensation
$413,728
Mr. Renato Derraik
Chief Information & Digital Officer of Bank
Compensation
$701,346
Mr. Micah S. Davis
Chief Marketing & Communications Officer
Mr. Gregory W. Seward J.D.
Chief Risk Officer & General Counsel
Compensation
$541,027
Mr. Steven J. Smits
Head of Commercial Banking
Compensation
$547,920
Mr. William C. Losch III
President
Compensation
$1,043,603
Ms. Claire Parker
Senior Vice President of Corporate Communications
Mr. William L. Williams III
Vice Chairman & Executive Vice President
Live Oak Bancshares, Inc. Insider Positioning
During the last 12 months, insiders have purchased $231K and sold $10.76M worth of LOB shares, resulting in $10.53M of net selling activity.
3 Months
0
0.00
151.3K
5.56M
-5.6M
-$5.56M
3-6 Months
2.6K
99.99K
105.8K
4.00M
-3.9M
-$3.90M
6-9 Months
1.0K
30.24K
37.3K
1.21M
-1.2M
-$1.18M
9-12 Months
4.0K
100.50K
0
0.00
+100K
+$100K
Top Buyers
Lucht David G
Director
$100K
Stasiowska Ewa Maria
Officer: Chief Risk Officer
$100K
Bradford Tonya Williams
Director
$30K
Top Sellers
Mahan James S Iii
Director, 10 Percent Owner, Officer: Chief Executive Officer
$7.23M
Derraik Renato
Officer: Chief Info./Digital Off., Bank
$2.84M
Spencer Courtney
Officer: Chief Experience Officer
$378K
Phifer Walter J
Officer: Chief Financial Officer
$172K
Seward Gregory W
Officer: General Counsel
$146K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $10.53M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 3 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
SEC Filings
LOB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2025 N/A | April 02, 2026 | December 31, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 04, 2025 | December 31, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | April 05, 2024 | December 31, 2023 | 2023 | |
DEF 14A DEF 14A N/A | March 31, 2023 | March 31, 2023 | ||
DEF 14A DEF 14A 2022 N/A | April 01, 2022 | May 17, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 02, 2021 | May 11, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 03, 2020 | May 12, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 05, 2019 | May 14, 2019 | 2019 | |
DEF 14A DEF 14A 2017 N/A | April 06, 2018 | December 31, 2017 | 2017 | |
DEF 14A DEF 14A 2016 N/A | March 31, 2017 | December 31, 2016 | 2016 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.