Form 4: Director Yousef A. Valine Receives RSU Grant at LOB

Director Yousef A. Valine was granted 2,486 restricted stock units in Live Oak Bancshares, Inc. vesting in May 2027.

Summary

• Director Yousef A. Valine received a grant of 2,486 restricted stock units (RSUs) on May 19, 2026.
• Each RSU represents a contingent right to receive one share of Live Oak Bancshares, Inc. voting common stock.
• The RSUs are scheduled to vest on May 1, 2027.
• Following this transaction, the director holds 10,401 shares directly and 1,500 shares indirectly via the Valine Revocable Living Trust.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a routine regulatory disclosure regarding director compensation, which is neutral in terms of immediate market impact.

Positives

• Alignment of director interests with long-term shareholder value through equity-based compensation.

Negatives

• None identified.

Risks

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

Future Outlook

The RSUs will vest on May 1, 2027, at which point the director will receive the underlying common stock.

Industry Context

StockSavvy.ai notes that equity grants to directors are standard corporate governance practices designed to incentivize long-term oversight and alignment with shareholder interests in the banking sector.

Comparison to Industry Standards

• The grant of RSUs to non-employee directors is consistent with standard compensation practices for publicly traded financial institutions of similar market capitalization.

Stakeholder Impact

• Minimal impact on shareholders as this is a standard compensation event.

Next Steps

• Vesting of the 2,486 RSUs on May 1, 2027.

Key Dates

Keywords

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