Live Oak Bancshares, INC. (LOB-PA) — SEC Filings

Latest SEC filings for Live Oak Bancshares, INC.. Recent 8-K filing on Dec 1, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View Live Oak Bancshares, INC. on SEC EDGAR

Overview

Live Oak Bancshares, INC. (LOB-PA) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-K/A filed on Nov 17, 2025: Live Oak Bancshares, Inc. (LOB-PA) filed a Form 10-K/A on November 17, 2025, to restate its Consolidated Financial Statements for the fiscal years ended December 31, 2024, 2023, and 2022. The restatement primarily corrects an error in the classification of cash flows between operating and investing

Sentiment Summary

Across 45 filings, the sentiment breakdown is: 1 bearish, 43 neutral, 1 mixed. The dominant filing sentiment for Live Oak Bancshares, INC. is neutral.

Filing Type Overview

Live Oak Bancshares, INC. (LOB-PA) has filed 29 8-K, 1 10-K/A, 1 8-K/A, 5 10-Q, 2 DEF 14A, 2 10-K, 5 SC 13G/A with the SEC between Jan 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (45)

Risk Profile

Risk Assessment: Of LOB-PA's 36 recent filings, 1 were flagged as high-risk, 11 as medium-risk, and 24 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Key Executives

Industry Context

Live Oak Bancshares operates in the specialized niche of small business lending, primarily focusing on SBA and USDA guaranteed loans. This segment is characterized by a strong reliance on government programs and a growing trend towards digital-first, online platforms for origination and servicing. Competition exists from traditional banks, credit unions, and increasingly, fintech lenders, but Live Oak's established technology and focus on specific industry verticals provide a competitive edge.

Top Tags

corporate-governance (7) · 8-k (6) · financial-reporting (5) · 8-K (5) · SEC Filing (4) · filing (4) · sec-filing (4) · 10-Q (4) · financials (4) · financial-condition (3)

Key Numbers

Related Companies

LOB · LOBC

Frequently Asked Questions

What are the latest SEC filings for Live Oak Bancshares, INC. (LOB-PA)?

Live Oak Bancshares, INC. has 45 recent SEC filings from Jan 2024 to Dec 2025, including 29 8-K, 5 10-Q, 5 SC 13G/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of LOB-PA filings?

Across 45 filings, the sentiment breakdown is: 1 bearish, 43 neutral, 1 mixed. The dominant sentiment is neutral.

Where can I find Live Oak Bancshares, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Live Oak Bancshares, INC. (LOB-PA) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Live Oak Bancshares, INC.?

Key financial highlights from Live Oak Bancshares, INC.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for LOB-PA?

The investment thesis for LOB-PA includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Live Oak Bancshares, INC.?

Key executives identified across Live Oak Bancshares, INC.'s filings include Christopher L. Black, Michael L. Roff.

What are the main risk factors for Live Oak Bancshares, INC. stock?

Of LOB-PA's 36 assessed filings, 1 were flagged high-risk, 11 medium-risk, and 24 low-risk.

What are recent predictions and forward guidance from Live Oak Bancshares, INC.?

Forward guidance and predictions for Live Oak Bancshares, INC. are extracted from SEC filings as they are enriched.

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