Live Oak Bancshares, Inc. (LOB)

Live Oak Bancshares' stock has been impacted by several events in the past six months. The company reported its third and fourth-quarter results for 2025 and announced the date for its first-quarter 2026 financial results. The sale of Apiture, Inc., resulted in a pre-tax gain of $24.1 million, and the company raised $96.3 million in capital from a preferred stock offering. Live Oak Bank was named the most active SBA 7(a) lender by dollar amount. Insider selling activity has been observed. The stock price saw an increase of 43.38% between April 7, 2025, and April 6, 2026, and moved above its 200-day moving average. There was also an announcement regarding an opportunity for investors to join a fraud investigation related to Live Oak Bancshares, Inc.

Seasonality in demand for Live Oak Bancshares, Inc.'s products and services is a recognized aspect that can be analyzed. Specific detailed patterns or trends for demand seasonality are not publicly provided in the available information, though tools exist to track historical price patterns and average price changes by month.

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company, providing lending and deposit-related services to small businesses nationwide. The company offers various deposit products and commercial loans, with a significant portion guaranteed by the SBA and USDA. Additionally, it provides settlement, accounting, and securitization services for government-guaranteed loans, financing for the renewable energy application industry, strategic wealth and investment management services, and investment advisory services to funds focused on providing venture capital to new and emerging financial technology companies.

Live Oak Bancshares, Inc. is headquartered in Wilmington, North Carolina, and serves small business owners in all 50 states through Live Oak Bank. The company also has offices in Dallas, Raleigh, Charlotte, and California. Its venture capital arm, Canapi Ventures, has offices in Wilmington, N.C., Washington, D.C., and New York City.

Live Oak Bank has cultivated a reputation as "America's small business bank," emphasizing customer service, product and industry expertise, and a suite of FDIC-insured banking products. The bank was recognized as the leading SBA 7(a) lender by dollar volume in 2022 and again as the most active SBA 7(a) lender by dollar amount in October 2025. An event that could potentially affect its reputation was the announcement in November 2025 of an opportunity for investors to join a fraud investigation related to Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. has a significant portion of its stock owned by institutional shareholders, holding 70.57% of the company, while individual insiders own 22.7% and retail investors hold 6.24%. James S. Mahan III, the Chairman and CEO, is the largest individual shareholder. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, T. Rowe Price Investment Management Inc, Dimensional Fund Advisors Lp, State Street Corp, Barrow Hanley Mewhinney & Strauss Llc, NewEdge Wealth, LLC, Southernsun Asset Management, Llc, Geode Capital Management, Llc, and William Blair Investment Management, Llc.