Live Oak Bancshares, Inc. 8-K

What Happened

• Live Oak Bancshares, Inc. announced its financial results for the fourth quarter ended December 31, 2025, in a press release dated January 21, 2026. The company filed an 8-K (Item 2.02) attaching the press release as Exhibit 99.1 to report its quarterly results and financial condition.

Key Details

• Announcement date: January 21, 2026; reporting period: quarter ended December 31, 2025.
• Press release attached to the 8-K as Exhibit 99.1 (the release contains the detailed earnings, revenue and other quarterly results).
• Interactive XBRL cover page included as Exhibit 104.
• The 8-K states the press release information is "not deemed filed" for purposes of Section 18 of the Exchange Act and is not incorporated by reference unless expressly specified in a future filing.

Why It Matters

• This 8-K is the company’s official announcement of its quarterly earnings and is the first source for investors to see revenue, net income, EPS and any forward-looking commentary.
• Investors should review the attached press release (Exhibit 99.1) for the actual earnings figures and guidance, and watch for the related periodic filings (e.g., 10-Q or 10-K) for the full financial statements and disclosures.
• The Section 18 disclosure affects legal incorporation and liability—meaning the press release is disclosure for investors but is not automatically treated as "filed" under the Exchange Act unless referenced in a future filing.