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LOB
Volume: 229.12K
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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. is experiencing a positive financial outlook, highlighted by an expansion in net interest margin to 3.33%, surpassing estimates and indicating effective management of interest earnings. The projected increase in pre-provision net revenue (PPNR) per share is substantial, with an expected rise of 31% year-over-year for 2026, significantly outpacing the KRX median of 11%, driven by strong loan growth and improved operating efficiencies. Additionally, the bank's return on tangible common equity (ROTCE) is anticipated to reach 13.0% by 2026, reflecting positive momentum and ongoing operational improvements as the bank navigates the credit landscape.

Bears say

Live Oak Bancshares has experienced significant credit stress within its Small Business Administration (SBA) lending business over the last three quarters, resulting in a year-to-date underperformance of 13%. The company's net charge-offs (NCOs) did decrease, but this improvement contrasts with a backdrop of negative credit migration from its commercial loan portfolio, raising concerns about future loan performance. Additionally, the recent issuance of preferred equity has led to modest reductions in 2025/2026 earnings per share estimates, indicating potential downward pressure on 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 Dec 5, 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: 229.12K

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