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About Michael Carnes

Michael Carnes has spoken on 3 earnings calls across 1 company, most recently for Live Oak Bancshares, Inc. on October 22, 2026. Live Oak Bancshares, Inc. is classified in the Banks - Regional industry within the Financial Services sector. Other leadership on record at Live Oak Bancshares, Inc. includes James S. Mahan III (CEO and Board Member), William L. Williams III (Chairman and Board Member), Walter J. Phifer (CFO) and 7 others.

Michael Carnes on recent calls

“So, as BJ and Walt highlighted on the call, distillery is obviously the biggest mover for our book during the quarter. And whenever you would classify an entire loan portfolio, you're going to see that in the metrics.”
Other, Q3 2026 Live Oak Bancshares Inc Earnings Conference Call ·
“So I'll go back to that slide that bj walked us through where you can see the industry trends and you see that the industry is still you know grappling with some some headwinds here whereas we have been flat for some time and i credit that for a couple you know to a couple of things one being pretty proactive and…”
Other, Live Oak Bancshares, Inc. Q1 FY2026 Earnings Call ·
“So I will say that the majority of the provision expense is related to loans within our SBA portfolio. Our commercial portfolio has held up really well outside of those three credits we talked about last quarter.”
Other, Live Oak Bancshares, Inc. Q4 FY2024 Earnings Call ·

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Leadership on record at Live Oak Bancshares, Inc.

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