{"scope": "company", "symbol": "LOB", "name": "Live Oak Bancshares, Inc.", "intelligence": {"score": 12, "label": "Concentrated distribution", "tone": "negative", "stance": "Review exposure and filing context", "brief": "Priced common-share disposals are concentrated enough to warrant review, but they are not treated as a standalone bearish forecast.", "confidence": 92, "confidence_label": "Deep evidence", "filings": 50, "companies": 1, "insiders": 13, "signal_events": 25, "acquisition_events": 0, "disposal_events": 25, "acquisition_share": 0.0, "disposal_share": 100.0, "acquisition_value": 0.0, "disposal_value": 8194565.1547, "net_value": -8194565.1547, "acquisition_value_label": "$0", "disposal_value_label": "$8.2M", "net_value_label": "-$8.2M", "data_quality": 50, "priced_common_share": 50, "latest_date": "2026-08-04", "latest_signal_date": "2026-08-04", "oldest_date": "2026-04-30", "evidence_classes": [{"key": "common_equity", "label": "Common equity", "count": 34, "bar_width": 100.0}, {"key": "equity_award", "label": "Equity compensation", "count": 16, "bar_width": 47.1}, {"key": "derivative", "label": "Options and derivatives", "count": 0, "bar_width": 0.0}, {"key": "other", "label": "Other securities", "count": 0, "bar_width": 0.0}], "roles": [{"label": "Director", "count": 29, "bar_width": 100.0}, {"label": "CEO and chair", "count": 15, "bar_width": 51.7}, {"label": "Other executive", "count": 6, "bar_width": 20.7}], "supports": ["Participation spans 13 named insiders rather than one filing source.", "The latest qualifying evidence is fresh, dated 04 Aug 2026."], "risks": ["Qualifying disposal events outnumber acquisitions, although disposals receive a lower directional weight."]}, "timeline": [{"start": "2026-05-25", "label": "25 May", "acquisitions": 0, "disposals": 2, "qualified_acquisitions": 0, "qualified_disposals": 2, "total": 2, "height": 50.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-06-01", "label": "01 Jun", "acquisitions": 0, "disposals": 4, "qualified_acquisitions": 0, "qualified_disposals": 4, "total": 4, "height": 100.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-06-08", "label": "08 Jun", "acquisitions": 0, "disposals": 3, "qualified_acquisitions": 0, "qualified_disposals": 3, "total": 3, "height": 75.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-06-15", "label": "15 Jun", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}, {"start": "2026-06-22", "label": "22 Jun", "acquisitions": 0, "disposals": 1, "qualified_acquisitions": 0, "qualified_disposals": 1, "total": 1, "height": 25.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-06-29", "label": "29 Jun", "acquisitions": 0, "disposals": 2, "qualified_acquisitions": 0, "qualified_disposals": 2, "total": 2, "height": 50.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-07-06", "label": "06 Jul", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}, {"start": "2026-07-13", "label": "13 Jul", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}, {"start": "2026-07-20", "label": "20 Jul", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}, {"start": "2026-07-27", "label": "27 Jul", "acquisitions": 0, "disposals": 2, "qualified_acquisitions": 0, "qualified_disposals": 2, "total": 2, "height": 50.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-08-03", "label": "03 Aug", "acquisitions": 0, "disposals": 3, "qualified_acquisitions": 0, "qualified_disposals": 3, "total": 3, "height": 75.0, "acquisition_height": 0.0, "disposal_height": 100.0}, {"start": "2026-08-10", "label": "10 Aug", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}], "market": {"latest_week": "2026-08-07", "latest_close": "42.600000", "currency": "USD", "one_week_change": "-0.4672897196261682242990654206", "thirteen_week_change": "2.280912364945978391356542617", "four_week_change": "2.280912364945978391356542617", "range_high": "44.530000", "range_low": "35.361942", "average_volume": 1250086, "relative_strength": "3.738799", "market_dynamics": "1.165965", "fair_value": "36.092023", "fair_value_gap": "18.03162155803790771162924284", "trend_signal": "1", "one_week_change_label": "-0.5%", "thirteen_week_change_label": "+2.3%", "four_week_change_label": "+2.3%", "fair_value_gap_label": "+18.0%"}, "transactions": [{"date": "2026-08-04", "insider": "LUCHT, DAVID G", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "88721.0000", "value_label": "$88.7K"}, {"date": "2026-08-04", "insider": "SPENCER, COURTNEY", "role": "Chief Experience Officer", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "6717.8005", "value_label": "$6.7K"}, {"date": "2026-08-03", "insider": "WILLIAMS, WILLIAM L. III", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "361865.2800", "value_label": "$361.9K"}, {"date": "2026-07-28", "insider": "MOROZ, MARK MICHAEL", "role": "Chief Banking Officer", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "256669.7000", "value_label": "$256.7K"}, {"date": "2026-07-27", "insider": "LUCHT, DAVID G", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "126396.3000", "value_label": "$126.4K"}, {"date": "2026-07-01", "insider": "WILLIAMS, WILLIAM L. III", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "242134.2756", "value_label": "$242.1K"}, {"date": "2026-07-01", "insider": "WILLIAMS, WILLIAM L. III", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "107372.0340", "value_label": "$107.4K"}, {"date": "2026-06-24", "insider": "WILLIAMS, WILLIAM L. III", "role": "Director", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "336453.6000", "value_label": "$336.5K"}, {"date": "2026-06-11", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "381851.0000", "value_label": "$381.9K"}, {"date": "2026-06-10", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "351451.4080", "value_label": "$351.5K"}, {"date": "2026-06-10", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "35870.4705", "value_label": "$35.9K"}, {"date": "2026-06-04", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "369657.4521", "value_label": "$369.7K"}, {"date": "2026-06-04", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "2974.3500", "value_label": "$3.0K"}, {"date": "2026-06-03", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "341011.6956", "value_label": "$341.0K"}, {"date": "2026-06-03", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "23659.3903", "value_label": "$23.7K"}, {"date": "2026-05-28", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "372481.0000", "value_label": "$372.5K"}, {"date": "2026-05-27", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "376513.0000", "value_label": "$376.5K"}, {"date": "2026-05-21", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "244128.9252", "value_label": "$244.1K"}, {"date": "2026-05-21", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "126786.7524", "value_label": "$126.8K"}, {"date": "2026-05-20", "insider": "MOROZ, MARK MICHAEL", "role": "Chief Banking Officer", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-20", "insider": "MOROZ, MARK MICHAEL", "role": "Chief Banking Officer", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-20", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "355180.0185", "value_label": "$355.2K"}, {"date": "2026-05-20", "insider": "MOROZ, MARK MICHAEL", "role": "Chief Banking Officer", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "114500.6000", "value_label": "$114.5K"}, {"date": "2026-05-20", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "13189.1020", "value_label": "$13.2K"}, {"date": "2026-05-19", "insider": "BRADFORD, TONYA WILLIAMS", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "CAMERON, WILLIAM HENDERSON", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "LUCHT, DAVID G", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "LUNSFORD, JEFFREY W", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "MCHENRY, PATRICK TIMOTHY", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "PETTY, MILTOM EMMETT", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-19", "insider": "VALINE, YOUSEF A.", "role": "Director", "side": "Acquisition", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-14", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "362260.0000", "value_label": "$362.3K"}, {"date": "2026-05-13", "insider": "MAHAN, JAMES S III", "role": "Director, Chief Executive Officer, 10% Owner", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "359620.0000", "value_label": "$359.6K"}, {"date": "2026-05-01", "insider": "BRADFORD, TONYA WILLIAMS", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "BRADFORD, TONYA WILLIAMS", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "CAMERON, WILLIAM HENDERSON", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "CAMERON, WILLIAM HENDERSON", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "DAVIS, SALLY S", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "DAVIS, SALLY S", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "LUCHT, DAVID G", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "LUCHT, DAVID G", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "LUNSFORD, JEFFREY W", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "LUNSFORD, JEFFREY W", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "MCHENRY, PATRICK TIMOTHY", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "MCHENRY, PATRICK TIMOTHY", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "PETTY, MILTOM EMMETT", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "PETTY, MILTOM EMMETT", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "VALINE, YOUSEF A.", "role": "Director", "side": "Acquisition", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": null, "value_label": "Not reported"}, {"date": "2026-05-01", "insider": "VALINE, YOUSEF A.", "role": "Director", "side": "Disposal", "security": "Restricted Stock Units", "evidence_class": "equity_award", "value": null, "value_label": "Not reported"}, {"date": "2026-04-30", "insider": "DERRAIK, RENATO", "role": "Chief Info./Digital Off., Bank", "side": "Disposal", "security": "Voting Common Stock", "evidence_class": "common_equity", "value": "2837100.0000", "value_label": "$2.8M"}], "method": "Directional scores use deduplicated, priced common-share evidence with asymmetric disposal weighting, role, freshness, and size controls."}