Transaction · 0002030240-26-000002

Cairns Michael

Cairns Michael, CCO, reported a transaction classified as withholding at Live Oak Bancshares, Inc. involving 638.000000 shares for an estimated $26183.52. Reported holdings after the transaction were 10112.000000 shares. A 10b5-1 reference was not detected in the stored filing text.

withholdingSEC transaction code FCCO
LOBLive Oak Bancshares, Inc.
Filing timeFeb 11
Trade dateFeb 10, 2026
Filing · SECView on SEC
InsiderProfile

Price performance since filing

Close on the filing date, the pre-filing context, and the forward return at standard windows
Price at filing
$40.79
Pre-filing
1mo ago -10.2%1w ago -0.3%1d ago +2.4%
Returns since
7d -1.5%30d -20.9%90d -10.2%180d +3.5%1y -1.6%

LOB price since this filing

30 days of pre-filing context and vertical markers at the filing date plus 7d / 30d / 90d / 180d / 1y afterwards
LOB since 2026-02-11Filed 205 days ago · 30 days of pre-filing context shaded
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Filing datePost-filing windows (7d, 30d, 90d, 180d, 1y)30 days of pre-filing context

Transaction facts

Stored Form 4 columns with their raw values

Non-derivative
Type
withholding
Code F
Identifier
0002030240-26-000002
Voting Common Stock
Transaction date
Feb 10, 2026
Filed Feb 11, 2026, 09:19 PM · 1d delay
Shares
638 sh
$4.10k per share
Estimated value
-$2.61M
Computed from shares × price
Holdings after
10.1k sh
Direct

Filing signal explanations

Badges describe filing facts only — not predictions.

Cluster 14dRepeat 30dPattern $10.0MLarge $100M
Direct Ownership
-12score
Filing-only score

-12

Compact filing score computed from stored Form 4 facts. Version v1.

Mixed or weak signal

This filing has a negative filing-only score. It may be less informative as an insider-activity signal and needs extra context.

Reported relationships & other filings

Form 4 relationship flags and nearby filing context

Reported roles

Chief Credit Officer

Officer YesDirector No10% NoOther No
Footnotes & amended
  1. F1

    Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

  2. F2

    The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.

  3. F3

    The RSUs vest in five equal annual installments beginning on February 10, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.

  4. F4

    235 of the RSUs vested on each of December 15, 2024 and 2025, and 236 of the RSUs will vest on December 15, 2026, subject to the reporting person's continuous service to the Company or a related entit…

  5. F5

    943 of the RSUs vested on December 9, 2024 and 2025, and 943 of the RSUs will vest on each of December 9, 2026 and 2027, subject to the reporting person's continuous service to the Company or a relate…

  6. F6

    945 of the RSUs vested on December 9, 2024, 946 of the RSUs vested on December 8, 2025, and 946 of the RSUs will vest on each of December 8, 2026, 2027, and 2028, subject to the reporting person's con…

  7. F7

    145 of the RSUs vested on February 22, 2025 and 145 of the RSUs will vest on February 22, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.

  8. F8

    2,420 of the RSUs vested on August 19, 2025 and 2,420 of the RSUs will vest on each of August 19, 2026, 2027, 2028, and 2029, subject to the reporting person's continuous service to the Company or a r…

Original filing · 0002030240-26-000002
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