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LOB
Volume: 292.52K

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 has demonstrated a solid financial outlook, characterized by an expansion in net interest margin to 3.33%, surpassing estimates and indicating improved profitability. The projected increase in pre-provision net revenue per share (PPNR/sh) of 31% year-over-year for 2026 is significantly higher than the KRX median, driven by robust loan growth and enhanced operating efficiency. Additionally, the forecasted return on tangible common equity (ROTCE) of 13.0% in 2026, alongside a strong allowance ratio of 2.22%, suggests effective risk management and a confident growth trajectory heading into the subsequent year.

Bears say

Live Oak Bancshares has experienced notable credit stress within its Small Business Administration (SBA) business, contributing to a year-to-date underperformance of -13%. The bank's non-performing loans (NCOs) decreased but remain a concern, with figures dropping to $17 million, representing 0.61% of loans, down from $31 million or 1.19% in the previous quarter, highlighting potential ongoing risks within its commercial loan portfolio. Additionally, the recent issuance of preferred equity has led to a modest reduction in earnings per share (EPS) estimates for 2025 and 2026, reflecting a $5.3 million after-tax impact, indicating challenges in maintaining profitability.

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 Jan 10, 2026. 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: 292.52K

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