Live Oak Bancshares CEO Sells 10,000 Shares for $343,300 Amid Ongoing Share Dispositions
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 13 2026
0mins
Source: NASDAQ.COM
- Transaction Overview: Live Oak Bancshares CEO James S. Mahan III disposed of 10,000 shares on December 10, 2025, through indirect open-market sales, totaling $343,300, indicating a lack of confidence in the company's future.
- Ongoing Sell-off Trend: Following the aforementioned transaction, Mahan continued to sell shares indirectly through trust companies, reducing his holdings to 30,000 shares by December 19, 2025, reflecting ongoing concerns about the company's stock price.
- Trading Plan Context: The sales were executed under a Rule 10b5-1 trading plan established on August 27, 2025, suggesting that these disposals were pre-arranged rather than reactive, which may influence investor perceptions of corporate governance.
- Financial Performance Outlook: Despite underwhelming financial results in recent years, the company is on track to achieve its highest annual revenue since FY 2022, prompting investors to closely monitor the upcoming Q4 earnings report scheduled for January 21, 2026, to assess long-term strategic plans.
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Analyst Views on LOB
Wall Street analysts forecast LOB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LOB is 42.67 USD with a low forecast of 35.00 USD and a high forecast of 50.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 39.500
Low
35.00
Averages
42.67
High
50.00
Current: 39.500
Low
35.00
Averages
42.67
High
50.00
About LOB
Live Oak Bancshares, Inc. is the bank holding company for Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. The Bank operates a national online platform for small business lending and deposit gathering. In addition to the Bank, the Company directly or indirectly holds wholly owned subsidiaries, including Live Oak Ventures, Inc. (Live Oak Ventures), Live Oak Grove, LLC (Grove), and Government Loan Solutions, Inc. (GLS). Live Oak Ventures has an investment in Synply, Inc. (Synply). Synply is a cloud-based technology platform designed to simplify the loan syndication process for financial institutions. The Grove provides Company employees and business visitors with on-site dining at the Company’s Wilmington, North Carolina headquarters. GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government-guaranteed lending sector.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Live Oak Bancshares (LOB) Reports $44M Net Income in Q4 2025 with 17% Loan Growth
- Loan Production Innovation: In 2025, Live Oak Bancshares achieved $6.2 billion in loan production, reflecting a 17% year-over-year growth that demonstrates strong market demand and customer trust, further solidifying its position in a competitive financial landscape.
- Profitability Enhancement: The bank reported a net income of $44 million and earnings per share of $0.95 in Q4, both approximately three times higher than Q4 2024, showcasing the company's success in operational efficiency and deepening customer relationships.
- Customer Relationship Expansion: The growth rate of loan and deposit customer relationships surged from 6% to 22% in 2025, indicating significant progress in attracting new clients and enhancing customer loyalty, which is expected to drive sustained revenue growth in the future.
- Strategic Investment Focus: Management plans to continue focusing on expanding business checking and Live Oak Express in 2026 while increasing investments in technology and AI to enhance operational efficiency and customer service quality.
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Live Oak Bancshares Reports Q4 Earnings Surge to $44.12 Million
- Significant Earnings Growth: Live Oak Bancshares reported fourth-quarter earnings of $44.12 million, or $0.95 per share, a substantial increase from last year's $9.90 million and $0.22 per share, indicating a strong improvement in profitability.
- Revenue Surge: The company's revenue rose 38.3% year-over-year to $172.91 million, up from $125.02 million last year, reflecting robust business expansion and strong market demand.
- Strong Financial Performance: The dual growth in earnings and revenue highlights the company's significant market share gains in a competitive financial landscape, boosting investor confidence.
- Positive Future Outlook: With continued growth in revenue and earnings, Live Oak Bancshares is well-positioned to further enhance its market presence and deliver higher returns for shareholders in the future.
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