Form 4 for LOB Live Oak Bancshares, Inc.

Accepted 2026-08-19 16:21:47 ET · period of report 2026-08-18 · accession 0002006943-26-000012 · SEC index · Original document

Summary rows

Aggregated the way they appear in lists: one row per insider, transaction code and security table.

X	Filed	Traded	Ticker	Insider	Title	Type	Price	Qty	Owned	ΔOwn	Value
D	2026-08-19 16:21	2026-08-18	LOB	Phifer Walter J	CFO	M - OptEx	—	+2,916	13.0K	+29%	—
D	2026-08-19 16:21	2026-08-18	LOB	Phifer Walter J	CFO	F - Tax	$42.60	-1,296	11.7K	-10%	-$55.2K
D	2026-08-19 16:21	2026-08-18	LOB	Phifer Walter J	CFO	M - OptEx	$0.00	-2,916	11.7K	-20%	$0

Purchase Sale Sale after option exercise All abbreviations

#	Table	Security	Date	Code	A/D	Shares	Price	Owned after	Own	Exercise / expiry	Underlying	Footnotes
1	Common	Voting Common Stock	2026-08-18	M	A	2,916	—	13,019	D	—	—	(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	Common	Voting Common Stock	2026-08-18	F	D	1,296	$42.60	11,723	D	—	—
3	Derivative	Restricted Stock Units	2026-08-18	M	D	2,916	$0.00	11,665	D	— · — to —	2,916 Voting Common Stock	(F1) Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. (F2) The RSUs vest in five equal annual installments beginning on August 18, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date. (F2) The RSUs vest in five equal annual installments beginning on August 18, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.