Security
Live Oak Bancshares, Inc. Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock · LOB PRA
LOB PRANYSEPreferred stockCurrentCIK 1462120Updated Oct 29, 2026
LOB PRA price & chart
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In the news
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SEC disclosures
Recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02
4 filing
4 filing
4 filing
Show 5 more recent filings
Other Events
Items 8.01
4 filing
4 filing
Other Events
Items 8.01
4 filing
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 14,665,902,000Source | 12,607,346,000Source | 16,038,141,000Source | 13,831,208,000Source | 11,868,570,000Source | 15,300,033,000Source | 13,595,704,000Source | 11,505,569,000Source | 15,134,778,000Source | 12,943,380,000Source | 11,271,423,000Source | 9,855,498,000Source |
| Property, Plant and Equipment, NetUSD | 241,140,000Source | 267,032,000Source | 231,198,000Source | 246,493,000Source | 267,864,000Source | 235,329,000Source | 259,113,000Source | 258,071,000Source | 240,203,000Source | 264,059,000Source | 257,881,000Source | 263,290,000Source |
| GoodwillUSD | — | — | — | — | — | — | — | — | — | 1,800,000Source | 1,800,000Source | — |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 1,655,000Source | 2,106,000Source | 2,799,000Source | 2,118,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 13,463,353,000Source | 11,599,590,000Source | 14,721,223,000Source | 12,763,943,000Source | 10,907,521,000Source | 14,018,272,000Source | 12,564,257,000Source | 10,577,851,000Source | 13,880,672,000Source | 11,939,884,000Source | 10,368,757,000Source | 9,044,465,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | — | 0Source | — | 0Source | 0Source | — | 0Source | 0Source | — | 0Source | 0Source | 0Source |
| Retained Earnings (Accumulated Deficit)USD | 770,820,000Source | 707,026,000Source | 869,757,000Source | 746,450,000Source | 695,172,000Source | 836,444,000Source | 724,215,000Source | 669,307,000Source | 809,885,000Source | 715,767,000Source | 642,817,000Source | 572,497,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -52,151,000Source | -61,195,000Source | -52,555,000Source | -61,514,000Source | -90,504,000Source | -47,352,000Source | -67,698,000Source | -91,237,000Source | -44,672,000Source | -82,344,000Source | -84,719,000Source | -92,318,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,198,223,000Source | 1,007,756,000Source | 1,312,864,000Source | 1,062,889,000Source | 961,049,000Source | 1,277,616,000Source | 1,027,030,000Source | 927,718,000Source | 1,249,868,000Source | 999,030,000Source | 902,666,000Source | 811,033,000Source |
| Liabilities and EquityUSD | 14,665,902,000Source | 12,607,346,000Source | 16,038,141,000Source | 13,831,208,000Source | 11,868,570,000Source | 15,300,033,000Source | 13,595,704,000Source | 11,505,569,000Source | 15,134,778,000Source | 12,943,380,000Source | 11,271,423,000Source | 9,855,498,000Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 4,326,000Source | — | 4,054,000Source | 4,376,000Source | — | 4,145,000Source | 4,417,000Source | — | 4,238,000Source | 4,466,000Source | — | — |
| Additional Financial Items | ||||||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | — | — | — | 13,375,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | 26,466,000Source | 13,025,000Source | 36,704,000Source | 23,387,000Source | 29,947,000Source | 9,668,000Source | 105,643,000Source | 77,417,000Source | 73,898,000Source | 176,208,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -598,000Source | -1,009,000Source | -12,368,000Source | -11,420,000Source | -22,161,000Source | 27,129,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 87,384,000Source | -29,767,000Source | 158,242,000Source | 145,651,000Source | 620,071,000Source | 124,485,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -273,402,000Source | -464,520,000Source | -1,904,190,000Source | -1,688,284,000Source | -1,774,922,000Source | -1,442,344,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 2,047,000Source | 2,294,000Source | 14,756,000Source | 49,307,000Source | 46,839,000Source | 43,751,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | 3,994,000Source | 3,178,000Source | 7,625,000Source | 8,926,000Source | 6,725,000Source | 4,972,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 137,249,000Source | 629,750,000Source | 2,002,052,000Source | 1,568,893,000Source | 1,320,755,000Source | 1,530,745,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,387,000Source | 1,367,000Source | 5,488,000Source | 5,405,000Source | 5,326,000Source | 5,266,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | -48,769,000Source | 135,463,000Source | 256,104,000Source | 26,260,000Source | 165,904,000Source | 212,886,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 892,445,000Source | 666,585,000Source | 927,630,000Source | 662,755,000Source | 816,135,000Source | 744,263,000Source | 864,904,000Source | 608,800,000Source | 582,540,000Source | 416,636,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 114,351,000Source | 112,098,000Source | 460,584,000Source | 436,847,000Source | 342,766,000Source | 117,516,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 291,000Source | 172,000Source | 26,594,000Source | 38,907,000Source | 5,303,000Source | 24,708,000Source |
| Additional Financial Items | ||||||||||||
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 30,000,000Source | 23,400,000Source | 21,100,000Source | 20,600,000Source |
| Equipment ExpenseUSD | — | — | 3,320,000Source | 3,472,000Source | 3,662,000Source | 3,685,000Source | 3,693,000Source | 3,745,000Source | 14,427,000Source | 13,826,000Source | 14,997,000Source | 15,120,000Source |
| Equity Method Investment, Other than Temporary ImpairmentUSD | — | — | — | — | 26,000Source | 270,000Source | — | — | 735,000Source | 530,000Source | 14,644,000Source | 16,217,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | 0Source | 20,000Source | 5,733,000Source | 553,000Source | -969,000Source | 3,355,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | — | — | — | — | 0Source | 0Source | 2,227,000Source | 0Source | 0Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | -350,000Source | 2,255,000Source | 291,000Source | 1,082,000Source | -1,165,000Source | -1,034,000Source | 1,216,000Source | 2,403,000Source | -3,539,000Source | 1,046,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 20,285,000Source | 32,580,000Source | 24,300,000Source | 23,492,000Source | 19,600,000Source | 29,442,000Source | 93,522,000Source | 88,368,000Source | 51,323,000Source | 40,943,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | 0Source | -24,000Source | -3,766,000Source | -113,000Source | -377,000Source | -31,000Source |
| Gain (Loss) on Sale of Assets and Asset Impairment ChargesUSD | — | — | — | — | — | — | -140,000Source | -34,000Source | -84,000Source | — | — | — |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 20,868,000Source | 16,646,000Source | 17,554,000Source | 17,570,000Source | 15,425,000Source | 15,438,000Source | 62,420,000Source | 60,899,000Source | 46,545,000Source | 43,244,000Source |
| GoodwillUSD | — | — | — | — | — | — | — | — | — | 1,800,000Source | 1,800,000Source | — |
| Goodwill and Intangible Asset ImpairmentUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | -1,470,000Source | -1,393,000Source | 74,000Source | -2,716,000Source | -817,000Source | -2,239,000Source | 17,387,000Source | -10,921,000Source | -5,994,000Source | 144,250,000Source |
| Income Tax Expense (Benefit)USD | — | — | 10,106,000Source | 4,816,000Source | 9,116,000Source | 7,815,000Source | 10,134,000Source | 3,464,000Source | 37,172,000Source | 11,818,000Source | 8,932,000Source | 34,116,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 26,516,000Source | 13,025,000Source | 36,795,000Source | 23,428,000Source | 30,040,000Source | 9,717,000Source | 105,871,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | -50,000Source | 0Source | -91,000Source | -41,000Source | -93,000Source | -49,000Source | -228,000Source | -57,000Source | — | — |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 25,562,000Source | 13,025,000Source | 34,701,000Source | 23,428,000Source | 27,946,000Source | 9,717,000Source | 102,823,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Operating Lease, Lease IncomeUSD | — | — | 2,000,000Source | 2,300,000Source | — | 3,000,000Source | — | 2,500,000Source | 9,500,000Source | 9,400,000Source | 9,500,000Source | 9,500,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 7,654,000Source | 7,016,000Source | 6,601,000Source | 8,123,000Source | 6,726,000Source | 6,400,000Source | 30,301,000Source | 29,118,000Source | 31,111,000Source | 6,261,000Source |
| Proceeds from Noncontrolling InterestsUSD | — | — | — | — | — | — | — | — | 0Source | 4,523,000Source | — | — |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 499,000Source | 758,000Source | 2,976,000Source | 2,311,000Source | 1,168,000Source | 2,118,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 22,242,000Source | 34,502,000Source | 25,800,000Source | 23,252,000Source | 20,100,000Source | 28,964,000Source | 96,303,000Source | 96,212,000Source | 51,323,000Source | 40,943,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | — | — | — | — | 20,100,000Source | 28,964,000Source | 96,303,000Source | 96,212,000Source | 51,323,000Source | 40,943,000Source |
| Stock or Unit Option Plan ExpenseUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 272,000Source | 942,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 36,572,000Source | 17,841,000Source | 45,820,000Source | 31,202,000Source | 40,081,000Source | 13,132,000Source | 142,815,000Source | 89,235,000Source | 82,830,000Source | 210,324,000Source |
| Income Tax Expense (Benefit)USD | — | — | 10,106,000Source | 4,816,000Source | 9,116,000Source | 7,815,000Source | 10,134,000Source | 3,464,000Source | 37,172,000Source | 11,818,000Source | 8,932,000Source | 34,116,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | -50,000Source | 0Source | -91,000Source | -41,000Source | -93,000Source | -49,000Source | -228,000Source | -57,000Source | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 26,516,000Source | 13,025,000Source | 36,795,000Source | 23,428,000Source | 30,040,000Source | 9,717,000Source | 105,871,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.56Source | 0.28Source | 0.75Source | 0.51Source | 0.61Source | 0.21Source | 2.25Source | 1.72Source | 1.67Source | 4.02Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.55Source | 0.28Source | 0.74Source | 0.51Source | 0.6Source | 0.21Source | 2.23Source | 1.69Source | 1.64Source | 3.92Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 45,780,794Source | 45,073,482Source | 46,265,757Source | 45,634,741Source | 46,138,609Source | 45,377,965Source | 45,701,364Source | 45,009,567Source | 44,353,708Source | 43,862,291Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 46,216,958Source | 45,953,947Source | 46,594,482Source | 45,795,608Source | 46,509,040Source | 45,754,499Source | 46,042,790Source | 45,820,321Source | 45,094,879Source | 44,906,310Source |
| Additional Financial Items | ||||||||||||
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 49,540,000Source | 23,238,000Source | 31,093,000Source | 6,987,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | 6,940,000Source | 6,974,000Source | 30,398,000Source | 23,282,000Source | 21,271,000Source | 20,779,000Source |
| Equipment ExpenseUSD | — | — | 3,320,000Source | 3,472,000Source | 3,662,000Source | 3,685,000Source | 3,693,000Source | 3,745,000Source | 14,427,000Source | 13,826,000Source | 14,997,000Source | 15,120,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | 0Source | 20,000Source | 5,733,000Source | 553,000Source | -969,000Source | 3,355,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | — | — | — | — | 0Source | 0Source | 2,227,000Source | 0Source | 0Source | 0Source |
| Fair Value, Option, Changes in Fair Value, Gain (Loss)USD | — | — | -350,000Source | 2,255,000Source | 291,000Source | 1,082,000Source | -1,165,000Source | -1,034,000Source | 1,216,000Source | 2,403,000Source | -3,539,000Source | 1,046,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 20,285,000Source | 32,580,000Source | 24,300,000Source | 23,492,000Source | 19,600,000Source | 29,442,000Source | 93,522,000Source | 88,368,000Source | 51,323,000Source | 40,943,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | -1,470,000Source | -1,393,000Source | 74,000Source | -2,716,000Source | -817,000Source | -2,239,000Source | 17,387,000Source | -10,921,000Source | -5,994,000Source | 144,250,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 342,970,000Source | 116,972,000Source |
| InterestExpenseOperatingUSD | — | — | 115,943,000Source | 111,936,000Source | 116,379,000Source | 115,063,000Source | 114,464,000Source | 112,573,000Source | 460,114,000Source | 436,467,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 115,485,000Source | 97,000,000Source | 125,338,000Source | 109,221,000Source | 119,400,000Source | 100,532,000Source | 448,358,000Source | 375,905,000Source | 345,305,000Source | 327,501,000Source |
| Labor and Related ExpenseUSD | — | — | 52,817,000Source | 44,524,000Source | 48,776,000Source | 46,008,000Source | 49,354,000Source | 45,529,000Source | 189,435,000Source | 183,268,000Source | 175,052,000Source | 170,822,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 1,839,000Source | 2,473,000Source | 2,734,000Source | 4,420,000Source | 3,051,000Source | 3,665,000Source | 12,222,000Source | 11,148,000Source | 12,559,000Source | 10,543,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 25,562,000Source | 13,025,000Source | 34,701,000Source | 23,428,000Source | 27,946,000Source | 9,717,000Source | 102,823,000Source | 77,474,000Source | 73,898,000Source | 176,208,000Source |
| Operating Lease, Lease IncomeUSD | — | — | 2,000,000Source | 2,300,000Source | — | 3,000,000Source | — | 2,500,000Source | 9,500,000Source | 9,400,000Source | 9,500,000Source | 9,500,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 7,654,000Source | 7,016,000Source | 6,601,000Source | 8,123,000Source | 6,726,000Source | 6,400,000Source | 30,301,000Source | 29,118,000Source | 31,111,000Source | 6,261,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | — | — | 954,000Source | 0Source | 2,094,000Source | 0Source | 2,094,000Source | 0Source | 3,048,000Source | — | — | — |
Offerings
Registration 333-294092
Filing attachments
d100774dex991.htm · S-8 · 2026-05-19
Exhibit 99.1 LIVE OAK BANCSHARES, INC. 2026 OMNIBUS STOCK INCENTIVE PLAN 2026 Omnibus Stock Incentive Plan Approved by the Board and Shareholders on March 27, 2026 and May 19, 2026, respectively 1. Purposes of the Plan. The purposes of this Plan are to attract and retain the best available personnel to serve as Employees, Directors or Consultants; to provide additional incentives to Employees, Directors and Consultants to contribute to the successful performance of the Company and any Relat…
Read attachment ↗d100774dex992.htm · S-8 · 2026-05-19
Exhibit 99.2 LIVE OAK BANCSHARES, INC. 2026 EMPLOYEE STOCK PURCHASE PLAN Approved by the Board and Shareholders on March 27, 2026 and May 19, 2026, respectively 1. Establishment of Plan; Purposes. The purpose of the Plan is to provide Eligible Employees (as defined below) of the Company with a convenient means of acquiring an equity interest in the Company through payroll deductions, to enhance such employees’ sense of participation in the affairs of the Company and Participating Subsidiari…
Read attachment ↗d46708dex410.htm · S-3ASR · 2026-03-06
Exhibit 4.10 LIVE OAK BANCSHARES, INC. Issuer and [ ] Trustee SUBORDINATED INDENTURE Dated as of [ ], 20[ ] Subordinated Debt Securities TABLE OF CONTENTS Page ARTICLE ONE - DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions …
Read attachment ↗d46708dex415.htm · S-3ASR · 2026-03-06
Exhibit 4.15 FORM OF DEPOSIT AGREEMENT This DEPOSIT AGREEMENT (“Deposit Agreement”) is made and entered into as of [ ], 20[ ], by and among Live Oak Bancshares, Inc., a North Carolina corporation, [ ], and all holders from time to time of Receipts (as hereinafter defined) issued hereunder. WITNESSETH: WHEREAS, it is desired to provide, as hereinafter set forth in this Deposit Agreement, for the deposit of shares of Preferred Stock (as hereinafter defined) with the Depositary (as hereinaf…
Read attachment ↗d46708dex48.htm · S-3ASR · 2026-03-06
Exhibit 4.8 LIVE OAK BANCSHARES, INC. Issuer and [ ] Trustee SENIOR INDENTURE Dated as of [ ], 20[ ] Senior Debt Securities TABLE OF CONTENTS Page ARTICLE ONE - DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions 1 Section 1.02 Compliance Certificates and Opinions …
Read attachment ↗lob-ex41toclosing8xkxexecu.htm · 8-K · 2025-08-04
EX-4.1 2 lob-ex41toclosing8xkxexecu.htm EX-4.1 Document Exhibit 4.1 DEPOSIT AGREEMENT among LIVE OAK BANCSHARES, INC. and BROADRIDGE CORPORATE ISSUER SOLUTIONS, LLC, as Depositary, and THE HOLDERS FROM TIME TO TIME OF THE DEPOSITARY RECEIPTS DESCRIBED HEREIN Dated as of August 4, 2025 TABLE OF CONTENTS Page Article I DEFINED TERMS 1 Section 1.1 Definitions 1 Article II FORM OF RECEIPTS, DEPOSIT OF SERIES A PREFERRED STOCK, EXECUTION AND DELIVERY, TRANSFER, SURRENDER AND REDEM…
Read attachment ↗