Public company intelligence preview
LIVE OAK BANCSHARES INC
224 insider trades surfaced from the last year. This page shows only aggregate signals, not the underlying transactions, people, filings, filters, or AI workspace.
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Insider compensation
Public aggregate: $2.6M average total compensation across covered insiders.
Governance movement
Public aggregate: 5 governance events in the last year.
Institutional ownership
Public aggregate: 229 holders from the latest quarter.
Restricted sales and governance
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Company note
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Company Overview
Live Oak Bancshares Inc. (NYSE: LOB) is a Financial Services company in the Banks - Regional industry, operating a national, branchless online banking platform from North Carolina. Its core business is small business lending, especially loans partially guaranteed by the SBA and certain USDA programs, with a strong focus on selected industry verticals where management believes it has underwriting expertise and lower-risk characteristics. The company also has adjacent businesses in fintech investing, government-guaranteed lending services, private wealth management, and renewable energy finance. Recent filings show strong growth in loans, deposits, and assets, but also continued attention to credit quality, concentration risk, and regulatory capital levels.
Executive Compensation Practices
For a bank like Live Oak Bancshares, executive compensation is likely tied closely to net interest income growth, loan production, deposit gathering, credit performance, efficiency ratio, and capital management. The 2025 and Q1 2026 results suggest incentives may emphasize both growth and disciplined risk management, since the company posted strong earnings and margin expansion while also dealing with rising charge-offs, nonperforming assets, and allowance for credit losses. In the Financial Services sector and Banks - Regional industry, pay structures commonly blend salary, annual cash bonuses, and equity awards, with performance metrics often including return on assets, return on equity, book value per share, and asset quality measures. Because Live Oak’s model depends on technology, servicing efficiency, and loan sale economics, compensation may also reflect noninterest income, operating efficiency, and successful execution of its digital lending platform.
Insider Trading Considerations
Insider trading activity at Live Oak Bancshares may be especially sensitive to loan growth trends, credit migration, interest rate movements, and deposit dynamics, since these variables can quickly affect earnings and valuation in a regional bank. The company’s results show that margin expansion, servicing revenue, and gains from strategic transactions can materially move earnings, while charge-offs, classified loans, and allowance changes can signal credit pressure. As a regulated bank holding company, insiders may face tighter trading windows and blackout periods around quarterly earnings, capital actions, and material credit events, which can influence timing and volume of transactions. Traders and researchers should watch for insider buying or selling around updates on loan performance, liquidity, regulatory capital, and any shifts in macroeconomic expectations, since the stock may react strongly to even modest changes in these bank-specific fundamentals.
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