The market expects Live Oak Bancshares (LOB) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be ...

Core Insights - The CEO of Live Oak Bancshares, James S. Mahan III, sold 10,000 shares on December 10, 2025, amid disappointing stock performance [1][8] - The transaction was valued at approximately $343,300, based on a weighted average sale price of $34.33 per share [2] - Following the sale, Mahan retains over 3 million shares through indirect holdings, indicating a preference for indirect equity exposure [6] Company Overview - Live Oak Bancshares reported a total revenue of $434.21 million and a net income of $68.61 million for the trailing twelve months (TTM) [4] - The company has a dividend yield of 0.33% and experienced a 1-year price change of -1.71% as of January 12, 2025 [4] - The bank operates as a regional bank holding company, providing a range of commercial banking products and services, including loans and wealth management [7] Transaction Significance - Mahan's recent sale represents only 0.32% of his total indirect holdings, with no direct ownership remaining [6] - The sales were executed under a Rule 10b5-1 trading plan, indicating they were pre-planned rather than reactive to market conditions [8] - Investors are advised to monitor the upcoming Q4 FY 2025 earnings report, scheduled for January 21, 2026, to assess the company's financial trajectory [9]

Core Viewpoint - Live Oak Bancshares, Inc. will report its fourth quarter 2025 financial results on January 21, 2026, after U.S. financial markets close [1] - A conference call to discuss the financial results and business outlook is scheduled for January 22, 2026, at 9:00 a.m. ET [1] Conference Call Details - The call will be accessible via telephone and webcast, with Conference ID: 06698 [2] - U.S. dial-in number is 800.549.8228 and international dial-in number is +646.564.2877 [2] - A supplementary slide presentation will be available prior to the event, and a replay will be accessible for 12 months [2] Company Overview - Live Oak Bancshares, Inc. is a financial holding company and the parent company of Live Oak Bank [3] - The company focuses on partnering with businesses that emphasize service and technology to redefine banking [3]

Company Overview - Live Oak Bancshares is a regional bank holding company with nearly $1 billion in trailing twelve-month revenue and a diversified portfolio of commercial banking services [1] - The company focuses on technology-driven financial solutions for small businesses and professionals, alongside wealth management and investment advisory services [1] - It emphasizes government-guaranteed lending and specialized financial products, providing a competitive edge in the regional banking sector [1] Financial Performance - The company serves small businesses, professionals, and high-net-worth individuals primarily in the North Carolina region [2] - Revenue is generated mainly from net interest income on loans and deposits, as well as fee income from wealth management and investment advisory services [2] - In the third quarter, net income attributable to common shareholders rose to $25.6 million, or $0.55 per diluted share, with loan production reaching $1.65 billion and deposits increasing by nearly $700 million sequentially [7] - The net interest margin edged up to 3.33%, and total assets climbed to $14.7 billion, reflecting a year-over-year increase of over 16% [7] Stock Performance - As of the latest report, Live Oak Bancshares shares were priced at $34.71, down 9.6% over the past year, underperforming the S&P 500 by 28.5 percentage points [3] - The divergence in performance suggests that diversified allocators may prefer to scale exposure rather than increase holdings, especially since this stock is outside core positions [8] Recent Transactions - Trust Co of the South disclosed the sale of 162,500 shares of Live Oak Bancshares during the fourth quarter, with an estimated transaction value of $5.44 million based on average quarterly pricing [4][5] - The fund's position at quarter-end was 167,500 shares valued at $5.75 million, with the net position value declining by $5.87 million from the prior quarter due to both sales and price changes [5][6]

Core Viewpoint - Pomerantz LLP is investigating potential securities fraud or unlawful business practices by Live Oak Bancshares, Inc. and its officers or directors, following the company's announcement of material misclassifications in its financial statements [1][3]. Group 1: Company Financials - On November 12, 2025, Live Oak disclosed that it would amend its 2024 Annual Report and Quarterly Reports for the periods ended March 31, 2025, and June 30, 2025, to restate its Consolidated Financial Statements due to errors in cash flow classifications [3]. - The company identified a material misclassification related to cash flows from the sale of loan participations, which led to a conclusion that a material weakness exists in its internal control over financial reporting [3]. - Following this announcement, Live Oak's stock price decreased by $0.80 per share, or 2.49%, closing at $31.29 per share on November 13, 2025 [3]. Group 2: Legal Investigation - Pomerantz LLP is actively seeking claims from investors of Live Oak Bancshares, indicating a potential class action lawsuit due to the alleged securities fraud [1]. - Investors are encouraged to contact Pomerantz LLP for more information regarding the investigation and potential participation in the class action [1][2]. Group 3: Firm Background - Pomerantz LLP is recognized as a leading firm in corporate, securities, and antitrust class litigation, with a history of fighting for victims of securities fraud and corporate misconduct [4]. - The firm has a legacy of recovering significant damages for class members over its 85-year history [4].

Core Viewpoint - The recent insider sale by CEO James S. Mahan of Live Oak Bancshares does not indicate a negative outlook for the company, as he retains significant indirect holdings and the company shows solid financial performance [7][9]. Company Overview - Live Oak Bancshares is a regional bank holding company focused on commercial banking for small business clients, generating revenue through net interest income and fee-based income from various financial services [6]. Insider Transaction Details - CEO James S. Mahan sold 10,000 shares at approximately $351,300 on December 12, 2025, through indirect holdings [6]. - The sale price of around $35.13 per share was slightly below the stock's closing price of $35.31 on December 12, 2025, and occurred during a period when the stock had a one-year total return of -19.97% [2]. - This transaction reduced Mr. Mahan's total and indirect holdings by 0.32%, leaving him with over six million shares held indirectly across various trusts and LLCs [3][7]. Market Context - The sale occurred when Live Oak Bancshares stock was experiencing an upswing, with the sale price close to the 52-week high of $41.56 reached in January 2025, suggesting Mr. Mahan was capitalizing on the rise in share price [8]. - The company's third-quarter revenue grew by 2% year over year to $146.1 million, with total assets increasing by 16% year over year to $14.67 billion, driven by strong loan production and deposit growth [9].

Group 1 - The stock price of Live Oak Bancshares, Inc. (LOB) has remained flat with a 2.7% reduction in value over the past three months [1] - The cautious market stance is attributed to volatility in the financial sector [1] Group 2 - The analyst has been involved in the logistics sector for nearly two decades and has experience in stock investing and macroeconomic analysis for almost ten years [1] - The focus is on ASEAN and NYSE/NASDAQ stocks, particularly in banks, telecommunications, logistics, and hotels [1] - The analyst began trading in the Philippine stock market in 2014, initially investing in blue-chip companies and later diversifying across various industries and market cap sizes [1] - In 2020, the analyst entered the US market and has holdings in US banks, hotels, shipping, and logistics companies [1]

Group 1 - Live Oak Bancshares, Inc. (LOB) stock price has remained flat with a 2.7% reduction in value over the past three months [1] - The cautious market stance is attributed to volatility in the financial sector [1] Group 2 - The analyst has been involved in the logistics sector for nearly two decades and has experience in stock investing and macroeconomic analysis for almost a decade [1] - The focus is on ASEAN and NYSE/NASDAQ stocks, particularly in banks, telecommunications, logistics, and hotels [1] - The analyst has diversified investments across different industries and market cap sizes, including holdings in US banks, hotels, shipping, and logistics companies [1]

Core Viewpoint - Live Oak Bancshares has appointed Ewa M. Stasiowska as the new Chief Risk Officer (CRO), a strategic move to enhance risk management as the company surpasses the $10 billion asset threshold [1][3]. Group 1: Appointment and Background - Ewa M. Stasiowska has over two decades of experience in risk management within regulated financial institutions, previously serving as Senior Managing Director at Webster Bank [2]. - Stasiowska's expertise includes overseeing enterprise, financial, operational, and model risk functions, and she has a proven track record in strengthening governance structures and advancing risk culture [2]. Group 2: Leadership Transition - Greg Seward, who served as both General Counsel and interim CRO, will continue as General Counsel, allowing for a clearer delineation of leadership roles as the company grows [3]. - The leadership change is seen as a natural inflection point for the company, reflecting its growth and the need for specialized risk management [3]. Group 3: Stasiowska's Vision - Stasiowska expressed enthusiasm about joining Live Oak Bank, emphasizing her commitment to enhancing risk management practices to support sustainable growth for customers [4]. - Her academic background includes a bachelor's degree in economics from Boston University and an MBA in Finance from the University of Connecticut [4]. Group 4: Company Overview - Live Oak Bancshares, Inc. is a financial holding company and parent of Live Oak Bank, focusing on redefining banking through service and technology [5].

Core Viewpoint - Live Oak Bancshares, Inc. is under investigation for potential securities fraud and unlawful business practices following the announcement of material misclassifications in its financial statements [1][2]. Financial Reporting Issues - On November 12, 2025, Live Oak disclosed that it would amend its 2024 Annual Report and Quarterly Reports for the periods ended March 31, 2025, and June 30, 2025, to restate its Consolidated Financial Statements due to errors in cash flow classifications [2]. - The company identified a material weakness in its internal control over financial reporting, indicating that previous financial statements for the affected periods should no longer be relied upon [2]. Market Reaction - Following the announcement of the financial restatement, Live Oak's stock price decreased by $0.80, or 2.49%, closing at $31.29 per share on November 13, 2025 [2].