Michael Cairns Live Oak Bancshares, Inc. (LOB) insider trading activity

Michael Cairns is Chief Credit Officer of Live Oak Bancshares, Inc.. Currently has a direct ownership of 9,468 shares of LOB, which is worth approximately $295,022. The most recent transaction as insider was on Dec 15, 2025, when has been sold 105 shares (Voting Common Stock) at a price of $35.31 per share, resulting in proceeds of $3,707. This information was disclosed in a Form 4 filing with the Securities and Exchange Commission (SEC).

Shares Held (Direct Ownership) 9.47K

14.21% 3M change

41.78% 12M change

Total Value Held $295,022

Michael Cairns Transaction History

Date	Transaction	Value	Shares Traded	Shares Held
Dec 15 2025	SELL Payment of exercise price or tax liability	$3,707 $35.31 p/Share	105 Reduced 1.1%	9,468 Voting Common Stock
Dec 15 2025	BUY Exercise of conversion of derivative security	-	235 Added 2.4%	9,573 Voting Common Stock
Dec 09 2025	SELL Payment of exercise price or tax liability	$13,868 $33.02 p/Share	420 Reduced 4.3%	9,338 Voting Common Stock
Dec 09 2025	BUY Exercise of conversion of derivative security	-	943 Added 8.81%	9,758 Voting Common Stock
Dec 08 2025	SELL Payment of exercise price or tax liability	$13,871 $32.95 p/Share	421 Reduced 4.56%	8,815 Voting Common Stock
Dec 08 2025	BUY Exercise of conversion of derivative security	-	946 Added 9.29%	9,236 Voting Common Stock
Aug 19 2025	SELL Payment of exercise price or tax liability	$38,036 $35.35 p/Share	1,076 Reduced 11.49%	8,290 Voting Common Stock

Aug 19 2025	BUY Exercise of conversion of derivative security	-	2,420 Added 20.53%	9,366 Voting Common Stock
Feb 24 2025	SELL Payment of exercise price or tax liability	$2,335 $31.99 p/Share	73 Reduced 1.04%	6,946 Voting Common Stock
Feb 24 2025	BUY Exercise of conversion of derivative security	-	145 Added 2.02%	7,019 Voting Common Stock
Feb 10 2025	SELL Payment of exercise price or tax liability	$6,805 $35.08 p/Share	194 Reduced 2.74%	6,874 Voting Common Stock
Feb 10 2025	BUY Exercise of conversion of derivative security	-	390 Added 5.23%	7,068 Voting Common Stock
Dec 16 2024	SELL Payment of exercise price or tax liability	$4,676 $44.54 p/Share	105 Reduced 1.55%	6,678 Voting Common Stock
Dec 16 2024	BUY Exercise of conversion of derivative security	-	235 Added 3.35%	6,783 Voting Common Stock
Dec 09 2024	SELL Payment of exercise price or tax liability	$38,052 $45.3 p/Share	840 Reduced 11.37%	6,548 Voting Common Stock
Dec 09 2024	BUY Exercise of conversion of derivative security	-	1,888 Added 20.35%	7,388 Voting Common Stock

Michael Cairns

Chief Credit Officer

Wilmington, NC

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