Michael Cairns

CIK: 0002030240

Transaction Breakdown

Open Market Buys (P)0 (0.0%)

High conviction signal

Open Market Sales (S)0 (0.0%)

Position reduction

Option Exercises (M)12 (48.0%)

Derivative conversions

Awards (A)2 (8.0%)

Compensation grants

Other (G, F, J, C, D, …)11 (44.0%)

Gifts, tax withholding, conversions, dispositions to the issuer and other codes

Companies & Roles (1)

LOB

Live Oak Bancshares, Inc.

Officer

Discretionary Trading P&L

Holdings

Transaction History (25 total)

LOB
Live Oak Bancshares, Inc.
Aug 19, 2026
Tax Payment(F)
Direct
1.1K shares at avg. $40.89$44K
LOB
Live Oak Bancshares, Inc.
Aug 19, 2026
Exercise(M)
Direct
2.4K shares-
LOB
Live Oak Bancshares, Inc.
Feb 23, 2026
Exercise(M)
Direct
145 shares-
LOB
Live Oak Bancshares, Inc.
Feb 23, 2026
Tax Payment(F)
Direct
73 shares at avg. $38.30$3K
LOB
Live Oak Bancshares, Inc.
Feb 10, 2026
Tax Payment(F)
Direct
638 shares at avg. $41.04$26K
LOB
Live Oak Bancshares, Inc.
Feb 10, 2026
Exercise(M)
Direct
1.3K shares-
LOB
Live Oak Bancshares, Inc.
Feb 9, 2026
Award(A)
Restricted Stock Units
Direct
10.8K shares-
LOB
Live Oak Bancshares, Inc.
Dec 15, 2025
Tax Payment(F)
Direct
105 shares at avg. $35.31$4K
LOB
Live Oak Bancshares, Inc.
Dec 15, 2025
Exercise(M)
Direct
235 shares-
LOB
Live Oak Bancshares, Inc.
Dec 9, 2025
Exercise(M)
Direct
943 shares-
LOB
Live Oak Bancshares, Inc.
Dec 9, 2025
Tax Payment(F)
Direct
420 shares at avg. $33.02$14K
LOB
Live Oak Bancshares, Inc.
Dec 8, 2025
Exercise(M)
Direct
946 shares-
LOB
Live Oak Bancshares, Inc.
Dec 8, 2025
Tax Payment(F)
Direct
421 shares at avg. $32.95$14K
LOB
Live Oak Bancshares, Inc.
Aug 19, 2025
Exercise(M)
Direct
2.4K shares-
LOB
Live Oak Bancshares, Inc.
Aug 19, 2025
Tax Payment(F)
Direct
1.1K shares at avg. $35.35$38K
LOB
Live Oak Bancshares, Inc.
Feb 24, 2025
Tax Payment(F)
Direct
73 shares at avg. $31.99$2K
LOB
Live Oak Bancshares, Inc.
Feb 24, 2025
Exercise(M)
Direct
145 shares-
LOB
Live Oak Bancshares, Inc.
Feb 10, 2025
Exercise(M)
Direct
390 shares-
LOB
Live Oak Bancshares, Inc.
Feb 10, 2025
Award(A)
Restricted Stock Units
Direct
6.4K shares-
LOB
Live Oak Bancshares, Inc.
Feb 10, 2025
Tax Payment(F)
Direct
194 shares at avg. $35.08$7K
LOB
Live Oak Bancshares, Inc.
Dec 16, 2024
Exercise(M)
Direct
235 shares-
LOB
Live Oak Bancshares, Inc.
Dec 16, 2024
Tax Payment(F)
Direct
105 shares at avg. $44.54$5K
LOB
Live Oak Bancshares, Inc.
Dec 9, 2024
Exercise(M)
Direct
943 shares-
LOB
Live Oak Bancshares, Inc.
Dec 9, 2024
Tax Payment(F)
Direct
840 shares at avg. $45.30$38K
LOB
Live Oak Bancshares, Inc.
Dec 9, 2024
Exercise(M)
Direct
945 shares-

		Type	Shares	Price		Ownership
Aug 19, 2026	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	1,076	$40.89	$43,998	Direct
Aug 19, 2026	LOB Live Oak Bancshares, Inc.	Exercise(M)	2,420	-	$0	Direct
Feb 23, 2026	LOB Live Oak Bancshares, Inc.	Exercise(M)	145	-	$0	Direct
Feb 23, 2026	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	73	$38.30	$2,796	Direct
Feb 10, 2026	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	638	$41.04	$26,184	Direct
Feb 10, 2026	LOB Live Oak Bancshares, Inc.	Exercise(M)	1,282	-	$0	Direct
Feb 9, 2026	LOB Live Oak Bancshares, Inc.	Award(A) Restricted Stock Units	10,778	-	-	Direct
Dec 15, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	105	$35.31	$3,708	Direct
Dec 15, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	235	-	-	Direct
Dec 9, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	943	-	-	Direct
Dec 9, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	420	$33.02	$13,868	Direct
Dec 8, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	946	-	-	Direct
Dec 8, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	421	$32.95	$13,872	Direct
Aug 19, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	2,420	-	-	Direct
Aug 19, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	1,076	$35.35	$38,037	Direct
Feb 24, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	73	$31.99	$2,335	Direct
Feb 24, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	145	-	-	Direct
Feb 10, 2025	LOB Live Oak Bancshares, Inc.	Exercise(M)	390	-	-	Direct
Feb 10, 2025	LOB Live Oak Bancshares, Inc.	Award(A) Restricted Stock Units	6,413	-	-	Direct
Feb 10, 2025	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	194	$35.08	$6,806	Direct
Dec 16, 2024	LOB Live Oak Bancshares, Inc.	Exercise(M)	235	-	$0	Direct
Dec 16, 2024	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	105	$44.54	$4,677	Direct
Dec 9, 2024	LOB Live Oak Bancshares, Inc.	Exercise(M)	943	-	$0	Direct
Dec 9, 2024	LOB Live Oak Bancshares, Inc.	Tax Payment(F)	840	$45.30	$38,052	Direct
Dec 9, 2024	LOB Live Oak Bancshares, Inc.	Exercise(M)	945	-	$0	Direct

1-25 of 25 transactions

About Cairns Michael

Cairns Michael (SEC CIK 0002030240) files insider reports with the SEC as Chief Credit Officer of Live Oak Bancshares, Inc. (LOB).

Signal8 holds 10 ownership filings by Cairns Michael, all Form 4s, filed between Dec 11, 2024 and Aug 21, 2026. Those filings report 25 transactions, from Dec 9, 2024 to Aug 19, 2026. Signal8's Form 4 history starts in Sep 2024.

The business address on Cairns Michael's filings is in WILMINGTON, NC.

Recent filings by Cairns Michael

Aug 19, 2026: Tax withholding of LOB shares (Form 4, code F).
Aug 19, 2026: Option exercise of LOB shares (Form 4, code M).
Feb 23, 2026: Option exercise of LOB shares (Form 4, code M).
Feb 23, 2026: Tax withholding of LOB shares (Form 4, code F).
Feb 10, 2026: Tax withholding of LOB shares (Form 4, code F).

Other insiders filing for Live Oak Bancshares, Inc. (LOB)

Seward Gregory W, General Counsel
MAHAN JAMES S III, Chief Executive Officer
WILLIAMS WILLIAM L. III, Director
Bradford Tonya Williams, Director
Losch William C III, President
Phifer Walter J, Chief Financial Officer

How to read Form 4 transaction codes