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LOB
Volume: 621.46K
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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 solid financial outlook, with a net interest margin expansion of 5 basis points to 3.33%, exceeding estimates. Predictions indicate a substantial 31% year-over-year increase in PPNR per share for 2025 and 2026, significantly outperforming the KRX median of 11%, driven by loan growth and improved operating leverage. Additionally, the bank's return on tangible common equity (ROTCE) is projected to reach 13.0% by 2026, reflecting a trend of continued performance improvement heading into 2027.

Bears say

Live Oak Bancshares has experienced recent credit stress, particularly within its Small Business Administration (SBA) loan segment, contributing to a year-to-date underperformance of 13%. Despite a decrease in net charge-offs (NCOs) from $31 million in 2Q25 to $17 million, the negative credit migration indicates ongoing vulnerabilities in the commercial loan portfolio. Furthermore, the bank's recent preferred equity issuance has led to a downward revision of earnings per share estimates for 2025 and 2026, suggesting a potential negative impact of $5.3 million on after-tax 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 13, 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: 621.46K

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