Phifer Walter J 4

4 · Live Oak Bancshares, Inc. · Filed Feb 25, 2026

Form 4

Period: 2026-02-23

Chief Financial Officer

Transactions

Exercise/Conversion
Voting Common Stock
[F1]
2026-02-23+69→ 14,847 total
Tax Payment
Voting Common Stock
2026-02-23$38.30/sh−32$1,226→ 14,815 total
Exercise/Conversion
Restricted Stock Units
[F1][F2]
2026-02-23−69→ 0 total
→ Voting Common Stock (69 underlying)

Holdings

Restricted Stock Units
[F1][F3]
→ Voting Common Stock (6,009 underlying)
6,009
Restricted Stock Units
[F1][F4]
→ Voting Common Stock (9,580 underlying)
9,580
Restricted Stock Units
[F1][F5]
→ Voting Common Stock (7,412 underlying)
7,412
Restricted Stock Units
[F1][F6]
→ Voting Common Stock (236 underlying)
236
Restricted Stock Units
[F1][F7]
→ Voting Common Stock (3,144 underlying)
3,144
Restricted Stock Units
[F1][F8]
→ Voting Common Stock (14,581 underlying)
14,581

Footnotes (8)

[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 vested in five equal annual installments beginning on February 22, 2022.
[F3]The RSUs vest in five equal annual installments beginning on February 12, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date.
[F4]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.
[F5]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.
[F6]The RSUs vest in five equal annual installments beginning on December 15, 2022, subject to the reporting person's continuous service to the Company or a related entity on such date.
[F7]The RSUs vest in five equal annual installments beginning on December 9, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.
[F8]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.

Signature

/s/ Jonathan A. Greene, By Power of Attorney|2026-02-25

Documents

1 file