{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-26-000004","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.120828+00:00","generated_at":"2026-05-16T09:16:26.287280+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Live Oak Bancshares Q4 2025 net income $44.1M ($0.95 EPS), revenue up 21% QoQ","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-26-000004","json":"https://secwatch.observer/filing/0001462120-26-000004.json","markdown":"https://secwatch.observer/filing/0001462120-26-000004.md","text":"https://secwatch.observer/filing/0001462120-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000004/0001462120-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000004/lob-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:16:26.287280+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}