Ewa Maria Stasiowska, who serves as Chief Risk Officer at Live Oak Bancshares (NASDAQ: LOB), reported an insider purchase of company shares valued at $99,999. According to a Form 4 filed with the Securities and Exchange Commission, the transaction took place on January 26, 2026, and comprised 2,595.231 shares of Voting Common Stock purchased at prices ranging from $38.532 to $38.535 per share.
The acquisition comes as Live Oak Bancshares, a regional bank with a market value of $1.69 billion, has delivered strong stock performance over recent months. InvestingPro data referenced in the filing notes a 16.11% return for the company’s shares over the past six months. InvestingPro analysis further indicates the stock is trading below its Fair Value and shows a PEG ratio of 0.54, a metric that the research service highlights as suggesting potential undervaluation relative to growth expectations.
Insider buying of this magnitude and timing coincides with the company’s most recent financial results. Live Oak Bancshares reported fourth-quarter 2025 earnings per share of $0.95, a figure that exceeded consensus expectations of $0.57 and represented a 66.67% surprise versus the forecast. Revenue for the quarter was $172.91 million, surpassing estimates by 14.27%.
Market reaction to the quarter included a reassessment by at least one sell-side analyst. Keefe, Bruyette & Woods raised its price target for Live Oak Bancshares to $146.00 from $132.00 while maintaining an Outperform rating. The combination of the stronger-than-expected earnings release and the analyst adjustment contributed to a rise in the company’s stock, reflecting increased investor interest following the report.
The Form 4 filing documents the exact quantity and price range of the CRO’s purchase but does not include further commentary from the insider or from company management. The InvestingPro indicators cited in public material point to a potential valuation gap, yet the filing itself contains only the transactional details and the date of the acquisition.
For investors and market participants focused on regional banking and financials, the transaction and the quarter’s results provide observable datapoints: an insider purchase at the end of January, a recent run-up in the stock over six months, and metrics from third-party research suggesting the shares may be priced below intrinsic value. Those monitoring analyst coverage will note the maintained Outperform rating and the higher price target from Keefe, Bruyette & Woods following the quarter.
Summary
Live Oak Bancshares’ CRO purchased $99,999 of company stock on January 26, 2026, acquiring 2,595.231 shares at $38.532 to $38.535 per share. The bank reported a strong Q4 2025, with EPS of $0.95 and revenue of $172.91 million, while InvestingPro data indicates the share price may be below Fair Value with a PEG of 0.54. Keefe, Bruyette & Woods increased its price target to $146.00 and kept an Outperform rating.
Key points
- Insider activity: CRO Ewa Maria Stasiowska purchased 2,595.231 shares totaling $99,999 on January 26, 2026.
- Quarterly performance: Q4 2025 EPS of $0.95 beat expectations by 66.67% and revenue of $172.91 million topped estimates by 14.27%.
- Valuation signals and analyst action: InvestingPro notes the stock trades below Fair Value with a PEG of 0.54; Keefe, Bruyette & Woods raised its price target to $146.00 while maintaining an Outperform rating.
Risks and uncertainties
- The Form 4 filing includes only transactional details and does not explain the rationale behind the CRO’s purchase, leaving intent and timing interpretation limited to observable facts.
- Third-party valuation indicators—InvestingPro’s Fair Value assessment and PEG ratio—may differ from other valuation methods and do not guarantee future performance.
- Analyst price target changes and an Outperform rating reflect professional estimates but are not assurances; market reaction can vary despite strong quarter results.