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LOB
Volume: 142.02K

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, with net interest margin expanding to 3.33%, surpassing prior estimates, which signals strong profitability potential. Projections indicate that pre-provision net revenue (PPNR) per share is expected to increase by 31% year-over-year for 2026, significantly outpacing the KRX median of 11%, supported by robust loan growth and improved operational efficiency. Furthermore, the anticipated return on tangible common equity (ROTCE) of 13.0% in 2026 highlights the bank's capacity for enhanced returns, reflecting strong fundamentals despite slight increases in past dues and non-accruals, mitigated by a solid allowance coverage ratio.

Bears say

Live Oak Bancshares has experienced meaningful credit stress within its Small Business Administration (SBA) lending segment, contributing to a year-to-date underperformance of -13%. Despite a decrease in non-performing loans (NCOs) from $31 million to $17 million, the underlying negative credit migration from the commercial loan portfolio raises concerns regarding future performance. Additionally, a recent preferred equity issuance has led to lowered earnings per share (EPS) estimates for 2025 and 2026, signaling potential financial instability and impacting investor confidence.

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 25, 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: 142.02K

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