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LOB
Volume: 63.08K
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LOB Stock Forecast & Price Target

LOB Analyst Ratings

Based on 3 analyst ratings
Hold
Strong Buy 0%
Buy 33%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

Live Oak Bancshares Inc has demonstrated a positive financial trajectory, highlighted by an expansion in net interest margin to 3.33%, exceeding initial estimates. The projected increase in pre-provision net revenue (PPNR) per share by 31% year-over-year for 2026 significantly outpaces the KRX median growth of 11%, indicating strong operational performance and loan growth. Furthermore, the bank's return on tangible common equity (ROTCE) is anticipated to reach 13.0% by 2026, reflecting a momentum for continued improvement heading into 2027, bolstered by effective credit management and robust earnings growth.

Bears say

Live Oak Bancshares has experienced notable credit stress in its Small Business Administration (SBA) lending business, alongside a significant underperformance of -13% year-to-date, primarily attributed to negative credit migration in its commercial loan portfolio. The company's net charge-offs (NCOs) improved but remain a concern, decreasing to $17 million (0.61% of loans) from $31 million (1.19%) in the previous quarter, highlighting ongoing credit quality issues. Additionally, the recent issuance of preferred equity has led to a modest reduction in earnings per share estimates for 2025 and 2026, reflecting a negative impact of approximately $5.3 million on projected earnings.

LOB has been analyzed by 3 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 33% recommend Buy, 67% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Live Oak Bancshares and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Live Oak Bancshares (LOB) Forecast

Analysts have given LOB a Hold based on their latest research and market trends.

According to 3 analysts, LOB has a Hold consensus rating as of Dec 16, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $40, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $40, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Live Oak Bancshares (LOB)

Volume: 63.08K

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