Form 4: Director Yousef A. Valine Exercises Live Oak Stock Units

Director Yousef A. Valine acquired 2,946 shares of Live Oak Bancshares, Inc. common stock through the vesting of restricted stock units.

Summary

• Director Yousef A. Valine exercised 2,946 restricted stock units (RSUs) on May 1, 2026.
• Each RSU converted into one share of voting common stock at no additional cost.
• Following the transaction, the director holds 10,401 shares directly and 1,500 shares indirectly via a revocable living trust.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a neutral, routine administrative filing regarding director compensation.

Positives

• Director maintains a long-term equity stake in the company, signaling alignment with shareholder interests.

Negatives

• None identified.

Risks

• Standard market risks associated with holding equity in a financial institution.

Future Outlook

Not applicable as this is a routine disclosure of director equity compensation.

Industry Context

StockSavvy.ai notes that routine RSU vesting for directors is a standard component of executive and board compensation packages in the banking sector, reflecting typical corporate governance practices.

Comparison to Industry Standards

• The transaction aligns with standard equity-based compensation structures for directors at mid-cap financial institutions.

Stakeholder Impact

• Minimal impact on shareholders as this represents standard compensation vesting.

Next Steps

• None specified.

Key Dates

Keywords

Live Oak Bancshares, LOB, Insider Trading, Form 4, Director Ownership, Restricted Stock Units