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Wesley Sutherland departs; CFO Walter J. Phifer assumes interim role","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["J. Wesley Sutherland ceased as CAO effective June 16, 2026.","CFO Walter J. 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Bradford, William H. Cameron, and Patrick T. 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Losch III (President) received $80K cash bonus and 52,694 RSUs.","Renato Derraik (CIO) received $60K cash and 13,173 RSUs; Walter Phifer (CFO) $50K cash and 9,580 RSUs.","Gregory Seward (GC) received $45K cash and 8,383 RSUs; all RSUs vest 20% annually over five years.","Chairman/CEO James Mahan III received no equity award; Committee cited his substantial existing stock ownership.","Awards were approved Feb 9, 2026 under the 2015 Omnibus Stock Incentive Plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104225,"accession_number":"0001462120-26-000004","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q4 2025 net income $44.1M ($0.95 EPS), revenue up 21% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income attributable to common shareholders $44.1M, or $0.95 per diluted share, vs $9.9M ($0.22) in Q4 2024.","Total revenue Q4 $172.9M, up 21% from Q3 and 38% YoY; full-year revenue $577.8M, up 18%.","Record loan production of $1.64B in Q4; full-year production $6.21B, up 20% YoY.","Total assets $15.13B, up 17% YoY; deposits $13.69B, up 16% YoY.","Full-year net income $102.8M ($2.23 EPS), up 33% from $77.5M ($1.69) in 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120519,"accession_number":"0001462120-25-000110","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-12-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Live Oak Bancshares appoints Ewa Stasiowska as Chief Risk Officer after crossing $10B assets","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ewa Stasiowska appointed Chief Risk Officer of Live Oak Bancshares and Live Oak Bank, effective December 1, 2025.","Stasiowska succeeds Gregory Seward, who will remain General Counsel; Seward had served as CRO since July 2022.","Company recently surpassed $10B in assets, prompting structural separation of CRO and General Counsel roles.","Stasiowska previously was Senior Managing Director at Webster Bank, overseeing enterprise, model, and financial risk."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120518,"accession_number":"0001462120-25-000108","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-11-18T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 common and $0.52344 preferred dividends, payable Dec 15","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Common dividend of $0.03 per share; preferred dividend of $0.52344 per depositary share.","Payable December 15, 2025 to shareholders of record December 2, 2025.","Preferred dividend relates to 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock (LOB/PA)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120517,"accession_number":"0001462120-25-000096","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["4.02"],"status":"ready","headline":"Live Oak Bancshares to restate cash flow statements for FY2024 and Q1-Q2 2025; material weakness identified","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Misclassification of loan participation sale proceeds between operating and investing activities in cash flow statements.","Restatement covers FY2024 10-K, Q1 and Q2 2025 10-Qs; no impact on net income, balance sheet, or regulatory capital.","Material weakness in internal control over financial reporting for cash flow classification; KPMG report on ICFR no longer reliable.","Amended filings expected by Nov 17, 2025; remediation planned by 2025 10-K filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120516,"accession_number":"0001462120-25-000088","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Q3 net income $25.6M ($0.55 EPS); loan production $1.65B, assets up 16% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $25.6M ($0.55 diluted EPS) vs $13.0M ($0.28) in Q3 2024; net interest income up 19.1% YoY.","Total revenue $146.1M, up 1.6% QoQ and 12.4% YoY; noninterest expense $87.3M, down 2.2% QoQ.","Loan production of $1.65B; total loans $11.9B, up 4.8% QoQ; deposits grew $695.9M to $13.29B.","Raised $96.3M via preferred stock offering in Q3; subsequent sale of Apiture adds ~$24M pre-tax gain.","Provision for credit losses $22.2M, down $1.0M QoQ and $12.3M YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137093,"accession_number":"0001462120-25-000082","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-08-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CEO James Mahan adopts 10b5-1 plan to sell up to 400k shares of Live Oak Bancshares common stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreement allows sale of up to 400,000 shares of voting common stock starting Nov 2025 through Sep 2026.","Plan is prearranged per Rule 10b5-1 and part of Mahan's personal long-term financial and tax planning.","Mahan serves as Chairman and CEO of Live Oak Bancshares (NYSE: LOB).","Individual transactions under the plan will be disclosed via Form 4 filings with the SEC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137092,"accession_number":"0001462120-25-000079","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-08-19T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03/share common dividend, $0.23845 preferred dividend for Sept. 15","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Common stock cash dividend of $0.03 per share declared.","Series A preferred dividend of $0.23845 per depositary share declared.","Both dividends payable September 15, 2025 to holders of record September 2, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137091,"accession_number":"0001462120-25-000077","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-08-19T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Live Oak Bancshares expects $20-25M pre-tax gain from Apiture sale to CSI","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Live Oak Banking Co., a subsidiary, holds an investment in Apiture, which is being acquired by Computer Services Inc. 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Lunsford to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lunsford appointed to board of Live Oak Bancshares and Live Oak Bank, effective August 12, 2025.","He is Chairman/CEO of Tealium, former CEO of Limelight Networks and WebSideStory; co-founded DefenseStorm.","Lunsford and immediate family own 8.83% of DefenseStorm; other directors/officers own 3.96%; Live Oak Ventures owns 4.49%.","Bank paid DefenseStorm $469,152 in 2024 and $484,881 in 2025 for cybersecurity services."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137089,"accession_number":"0001462120-25-000063","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-08-04T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Live Oak Bancshares closes $100M preferred stock offering, net proceeds ~$96.15M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 4M depositary shares representing Series A 8.375% Fixed Rate Non-Cumulative Perpetual Preferred Stock.","Aggregate liquidation preference of $100M ($25 per depositary share).","Net proceeds of approximately $96.15M after underwriting discounts and estimated expenses.","Joint book-running managers: Morgan Stanley, RBC, UBS, and Keefe, Bruyette & Woods.","Depositary shares listed on NYSE under symbol 'LOB PR A'."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137088,"accession_number":"0001462120-25-000058","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Live Oak Bancshares prices $100M depositary share offering of 8.375% preferred stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offers 4,000,000 depositary shares at $25 each, representing 1/40th interest in Series A preferred stock.","Dividend rate of 8.375% per annum, payable quarterly starting September 15, 2025.","Net proceeds to support balance sheet growth at Live Oak Banking Company and enhance capital position.","Underwriters include Morgan Stanley, RBC Capital Markets, UBS Securities, and Keefe, Bruyette & Woods.","Offering expected to close on or about August 4, 2025; shares to list on NYSE under symbol 'LOB PR A'."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137087,"accession_number":"0001462120-25-000054","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q2 net income $23.4M ($0.51 EPS); record loan originations $1.53B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $23.4M, $0.51 diluted EPS vs $0.21 in Q1 and $0.59 in Q2 2024.","Record quarterly loan/lease production of $1.53B, up 9.3% QoQ; total loans $11.36B.","Net interest margin expanded 8 bps to 3.28%; revenue $143.7M, up 14.0% QoQ.","Provision for credit losses $23.3M, down $5.7M from Q1; total assets $13.83B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154368,"accession_number":"0001462120-25-000046","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Live Oak Bancshares holds 2025 annual meeting, elects directors and approves Say on Pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All eight director nominees elected; David G. Lucht received lowest support (20.3M for, 15.1M withheld).","Advisory vote on executive compensation passed with 23.7M for (67%) vs 11.6M against.","Shareholders ratified KPMG LLP as 2025 auditor with 40.7M for, 59K against.","Shareholders approved annual Say on Pay frequency (33.3M for 1 year); company will hold vote each year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154367,"accession_number":"0001462120-25-000042","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share cash dividend payable June 17, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a cash dividend of $0.03 per share on May 20, 2025.","Payable June 17, 2025 to shareholders of record as of June 3, 2025.","No change in dividend rate indicated from previous quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154366,"accession_number":"0001462120-25-000039","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Live Oak Bancshares appoints Patrick T. McHenry to board, effective May 21, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["McHenry, former Chairman of the House Financial Services Committee, joins board of Live Oak Bancshares and its banking subsidiary.","Appointment effective May 21, 2025; term runs until 2026 annual meeting of shareholders.","Compensation under existing non-employee director plan, pro-rated for partial term; no related party transactions disclosed.","McHenry served 20 years in Congress, including roles as Chief Deputy Whip and Speaker Pro Tempore."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154365,"accession_number":"0001462120-25-000031","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q1 EPS $0.21 vs $0.60 YoY; net income $9.7M, loan production record $1.4B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income attributable to Company of $9.7M; diluted EPS of $0.21, down from $0.60 in Q1 2024.","Record first quarter loan production of $1.40B; total assets grew 5.0% to $13.60B.","Net interest margin expanded 5 bps to 3.20%; net interest income up 3.1% QoQ.","Provision for credit losses of $29.0M, driven by loan growth and macroeconomic pressures on small business borrowers.","Pre-provision net revenue declined 10% QoQ due to 1.5% revenue decline and 3.4% expense increase."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172948,"accession_number":"0001462120-25-000008","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Glossman exits board; executives awarded $190K cash and 87K RSUs","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Diane B. Glossman will not stand for re-election at 2025 annual meeting; departure not due to any disagreement.","Cash bonuses ($190.6K total) and RSUs (87,197 total) awarded to five NEOs: Losch, Derraik, Mann, Phifer, Seward.","CEO James S. Mahan III received no equity award; committee cited his substantial existing stock ownership.","RSUs vest in five equal annual installments beginning Feb 10, 2026; forfeited if employment ends before Feb 10, 2030."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172947,"accession_number":"0001462120-25-000005","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-02-11T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03/share quarterly dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.03 per share declared on February 11, 2025.","Payable March 11, 2025 to shareholders of record February 25, 2025.","Dividend amount unchanged from prior quarter; routine declaration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172946,"accession_number":"0001462120-25-000003","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2025-01-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Q4 net income $9.9M ($0.22 EPS); full-year loan production record $5.16B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $9.9M ($0.22 diluted EPS), down 24% QoQ and 39% YoY; revenue $128.1M, flat QoQ.","Full-year 2024 net income $77.5M ($1.69 EPS); revenue up 9% to $499.7M, noninterest expense down 3%.","Record loan production of $5.16B in 2024, up 31% YoY; total assets $12.94B, up 15%.","Provision for credit losses increased 87.5% to $44.9M, driven by loan growth and macro conditions.","Deposits grew 14% to $11.76B; focus on non-interest bearing deposits and small-dollar loan production."],"consensus_eps_estimate":null,"consensus_eps_actual":1.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189969,"accession_number":"0001462120-24-000067","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-11-18T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 quarterly dividend payable Dec 16","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.03 per share declared on November 18, 2024.","Payable on December 16, 2024 to shareholders of record as of December 2, 2024.","Board of Directors approved the cash dividend on voting common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189968,"accession_number":"0001462120-24-000062","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Q3 net income $13M (-51.7% YoY); record loan production $1.76B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $13.0M ($0.28 diluted EPS) vs $39.8M ($0.88) in Q3 2023, down 51.7%.","Total revenue $129.9M, up 3.5% QoQ and 2.1% YoY.","Loan production $1.76B, up 50.1% QoQ, highest quarter excluding PPP.","Provision for credit losses $34.5M, up from $11.8M in Q2 and $10.3M in Q3 2023.","Allowance for credit losses / loans at historical cost rose to 1.78% from 1.57%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206482,"accession_number":"0001462120-24-000059","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-08-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share dividend payable Sept 17, 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.03 per share declared on August 20, 2024.","Record date for shareholders is September 3, 2024.","Payment date is September 17, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206481,"accession_number":"0001462120-24-000056","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-08-09T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Live Oak Bancshares appoints KPMG as auditor, replacing Forvis Mazars","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee approved KPMG as independent auditor for 2024 on August 6, 2024.","Forvis Mazars was dismissed same day; no disagreements or reportable events in prior audits.","Forvis Mazars' 2023 and 2022 audit reports were unqualified and not modified.","No prior consultation with KPMG on accounting principles or audit matters.","Forvis Mazars agreed with the 8-K disclosures via letter filed as Exhibit 16.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206480,"accession_number":"0001462120-24-000047","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Q2 net income $27M ($0.59 EPS); loan originations surge 45.5% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $27.0M ($0.59 diluted EPS) vs $27.6M in Q1; total revenue $125.5M, up 8% QoQ.","Loan originations $1.17B, +45.5% QoQ and +36% YoY; total loans $9.54B, +3.4% QoQ.","Net interest margin 3.28% (-5 bps QoQ); net charge-offs $8.3M (0.38% annualized) vs $3.2M Q1.","Nonperforming loans fell to $37.3M (0.42%) from $43.1M (0.51%) QoQ.","Provision for credit losses $11.8M, down from $16.4M Q1; borrowings $117.7M, including $100M term loan."],"consensus_eps_estimate":null,"consensus_eps_actual":1.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223633,"accession_number":"0001462120-24-000042","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Live Oak Bancshares annual meeting elects all directors, approves stock plan and auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All ten director nominees elected; votes ranged from ~25M to ~33M in favor, with ~8.4M broker non-votes.","Employee Stock Purchase Plan amendment approved (33,200,363 for, 150,770 against).","Advisory say-on-pay resolution passed (25,458,768 for, 7,841,289 against).","FORVIS, LLP ratified as independent auditor for 2024 (41,520,336 for, 75,455 against, 131,818 abstentions)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223632,"accession_number":"0001462120-24-000040","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share dividend payable June 18","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.03 per share declared on May 21, 2024.","Payable on June 18, 2024 to shareholders of record as of June 4, 2024.","Dividend is $0.03 per share; no percentage change or special dividend indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223631,"accession_number":"0001462120-24-000034","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q1 2024 net income $16.5M ($0.36 EPS); loans up 2.2% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $16.5M ($0.36 diluted EPS) vs $0.01 a year ago; total revenue $116.2M down 2.9% QoQ but up 14.4% YoY.","Loan portfolio grew to $9.22B (+2.2% QoQ, +12.2% YoY); originations $805M down 18% QoQ.","Net interest income $90.1M, NIM 3.33% (up 1bp QoQ); provision for credit losses $16.4M up from $9.0M QoQ.","Noninterest expense $78.7M down 15.6% QoQ due to absence of $14.6M impairment in Q4.","Borrowings increased $100M via 5.95% fixed-rate 60-month term loan to enhance bank capital."],"consensus_eps_estimate":null,"consensus_eps_actual":0.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223630,"accession_number":"0001462120-24-000025","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-04-04T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Live Oak director Hoffsis intends to retire at 2025 shareholder meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Glen F. Hoffsis informed the Board on April 1, 2024 of his plan to retire at the 2025 annual meeting.","Retirement is conditional on his reelection at the 2024 annual meeting; he would serve an additional year.","Dr. Hoffsis's retirement is not due to any disagreement with the Company on operations, policies, or practices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243054,"accession_number":"0001462120-24-000008","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-02-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Casey Crawford resigns; RSU awards granted to five NEOs including 250K RSU for President Losch","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Casey S. Crawford resigned as director of Live Oak Bancshares and its bank subsidiary effective Feb. 15, 2024; no disagreement cited.","Compensation Committee approved RSU awards to NEOs: Derraik (21,281), Losch (55,082), Phifer (10,015), Seward (13,770), Smits (13,144).","President William C. Losch III received an additional 250,000 RSUs for his promotion; vests in 5 annual installments starting Aug. 25, 2024.","All RSUs vest equally over 5 years; unvested units forfeited if employment terminates before final vest date.","CEO James S. Mahan III received no equity award; Committee noted his substantial existing stock ownership."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243053,"accession_number":"0001462120-24-000006","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.03 per share on voting common stock declared by Board on Feb 13, 2024.","Payable March 12, 2024 to shareholders of record as of February 27, 2024.","Dividend is a regular quarterly cash distribution; no change from prior rate indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243052,"accession_number":"0001462120-24-000004","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q4 net income $16.2M ($0.36 EPS); full-year net income down 58% to $73.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2023 net income $73.9M ($1.64 EPS) vs $176.2M ($3.92) in 2022, a 58% decline.","Total revenue 2023 $457M, down 19% from $565.5M in 2022.","Q4 net income $16.2M ($0.36 EPS), down 59% from Q3 2023 net income $39.8M ($0.88 EPS).","Loans and leases grew 14% YoY to $9.02B; deposits up 16% to $10.28B.","Noninterest expense includes $14.6M impairment on renewable energy tax credit investment and $4.5M special employee bonus."],"consensus_eps_estimate":null,"consensus_eps_actual":1.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260440,"accession_number":"0001462120-23-000073","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-11-15T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Live Oak Bancshares appoints BJ Losch President, Walter Phifer CFO; Underwood resigns as President","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Neil Underwood resigned as President of Live Oak Bancshares effective Nov 14, 2023; 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revenue $127.3M, loan originations up 25% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $39.8M ($0.88 diluted EPS) vs. $17.5M in Q2 2023; total revenue $127.3M, up 17% QoQ.","Loan originations reached $1.07B, up 24.6% from Q2 2023; total loan portfolio $8.78B, up 5% QoQ.","Net interest margin 3.37%, up 8 bps QoQ; net interest income $89.4M vs. $84.3M in Q2 2023.","Net charge-offs rose to $9.1M (0.48% annualized) from $1.2M in Q2, driven by a single borrower relationship.","Noninterest income included a $15.0M one-time benefit from valuation methodology changes for servicing and fair value loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277732,"accession_number":"0001462120-23-000060","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-08-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Live Oak Bancshares appoints BJ Losch as President of Live Oak Bank; Garriott departs","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["BJ Losch appointed President of Live Oak Bank, effective Aug 25, 2023; continues as Bancshares CFO.","Huntley Garriott steps down as President; company thanks him for his contributions since 2018.","Losch has served as CFO for two years and as Chief Banking Officer leading sales, support, and operations.","Prior experience: 12 years at First Horizon as SVP and CFO; earlier roles at First Union and Wachovia."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277731,"accession_number":"0001462120-23-000057","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-08-22T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a cash dividend of $0.03 per share.","Dividend payable September 19, 2023.","Record date for voting common stock is September 5, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277730,"accession_number":"0001462120-23-000048","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Bancshares Q2 net income $17.5M ($0.39 EPS); NPLs double qoq to $44.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $17.5M ($0.39 diluted EPS) vs $0.4M ($0.01) Q1 2023 and $97.0M ($2.16) Q2 2022.","Total revenue $108.5M (+7% qoq); net interest margin 3.29% (down 17bps); provision for credit losses $13M.","Nonperforming loans doubled qoq to $44.9M (0.61% of HFI loans at historical cost) from $22.0M (0.30%).","Loan originations $861M (down 16.5% qoq); deposit growth $457M to $9.88B; borrowings $28.3M.","Effective tax rate 7.5% vs 89% in Q1 2023 due to discrete stock compensation items."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295716,"accession_number":"0001462120-23-000044","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-05-24T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03/share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.03 per share declared by the Board.","Payable on June 21, 2023.","Record date for shareholders is June 7, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295715,"accession_number":"0001462120-23-000041","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-05-18T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Live Oak Bancshares shareholders elect all 11 directors, approve stock plan increase","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected; highest withhold 12.4M votes (29%) for Miltom E. Petty.","Amendment to 2015 Omnibus Stock Incentive Plan approved: 27.3M for, 8.1M against.","Say-on-pay advisory proposal passed: 30.4M for, 5.0M against.","Ratification of FORVIS as independent auditors passed: 40.7M for, 0.5M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.15,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295714,"accession_number":"0001462120-23-000034","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-04-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Live Oak Q1 net income $398K ($0.01 EPS) vs $0.76 year ago; revenue down 8%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $398K, diluted EPS $0.01 compared to $0.76 in Q1 2022.","Total revenue $101.6M, down 8% from $110.4M a year ago; net interest margin 3.46% (down 30bp QoQ).","Loan originations $1.03B (+19% YoY); total loans $8.22B, up 21.5% YoY.","Deposits $9.42B (+23% YoY); borrowings reduced to $30.8M from $196.9M a year ago.","Provision for credit losses $19.0M; net charge-offs $6.7M (0.38% annualized) vs $2.4M in Q1 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316254,"accession_number":"0001462120-23-000019","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-03-15T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Live Oak Bancshares posts investor presentation without new financial data","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation materials posted on IR website for regularly scheduled investor meetings.","No financial results, guidance, or material events were disclosed in the filing.","Item 7.01 Regulation FD disclosure, furnished not filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316253,"accession_number":"0001462120-23-000011","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-02-17T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Live Oak Bancshares awards cash bonuses and RSUs to four named executive officers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["William C. Losch III receives $77,500 cash bonus and RSU award of 89,615 shares.","M. Huntley Garriott Jr. receives $90,000 cash bonus; no RSU award.","Renato Derraik receives $158,000 cash bonus and RSU award of 89,615 shares.","Neil L. Underwood receives $80,000 cash bonus; no RSU award.","RSUs vest 20% annually over 5 years; forfeited if employment ends before Feb 13, 2028."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316252,"accession_number":"0001462120-23-000009","cik":1462120,"company_name":"Live Oak Bancshares, Inc.","ticker":"LOB","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Live Oak Bancshares declares $0.03 per share cash dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Board declared a $0.03 per share cash dividend on voting common stock.","Record date for the dividend is February 28, 2023.","Payment date is March 14, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1745017285.524967,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-02-14T23:59:59+00:00|316252"}