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LOB
Volume: 237.08K

LOB Stock Forecast & Price Target

LOB Analyst Ratings

Based on 4 analyst ratings
Buy
Strong Buy 25%
Buy 25%
Hold 50%
Sell 0%
Strong Sell 0%

Bulls say

Live Oak Bancshares has demonstrated a positive financial trajectory with an expanded net interest margin of 3.33%, exceeding estimates, which can enhance profitability moving forward. Despite a slight increase in past dues and non-accruals, the company maintains a robust unguaranteed allowance ratio of 2.22%, indicating strong coverage against potential credit risks. Furthermore, Live Oak's leadership position in small business banking and its proactive approach towards leveraging AI initiatives suggest significant opportunities for growth in both revenue and net income, positioning the company advantageously within a competitive industry landscape.

Bears say

Live Oak Bancshares has reported a decrease in net charge-offs (NCOs) to $17 million, or 0.61% of loans, from $31 million, or 1.19% in the previous quarter, indicating potential improvements in credit quality; however, the company faces risks from unexpected interest rate movements and inadequate asset-liability management that could pressure net interest revenues and increase unrealized losses. Additionally, a prolonged downturn in the small business economy poses a significant risk to credit quality, which may result in lower-than-expected profitability and significant earnings losses. Furthermore, the ongoing reductions in earnings projections for 2026 and 2027—coupled with concerns over deposit outflows and regulatory compliance—underscore a negative outlook on the financial stability and performance of Live Oak Bancshares.

LOB has been analyzed by 4 analysts, with a consensus rating of Buy. 25% of analysts recommend a Strong Buy, 25% recommend Buy, 50% 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 Buy based on their latest research and market trends.

According to 4 analysts, LOB has a Buy consensus rating as of Mar 17, 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 $42.75, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $42.75, 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: 237.08K

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