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LOB
Volume: 163.75K

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 is favored because its core growth engine remains strong, with 20%+ annual balance-sheet growth, record loan pipelines of $4.6B, and commercial loan production up 66% quarter over quarter, which supports durable NII and fee expansion. Even though 3Q was pressured by higher provisions and NCOs tied to distillery portfolio exits, the delayed credit inflection appears manageable, and normalized provision expense in the $20mm-$25mm range would help earnings accelerate. The valuation also looks compelling at 8.3x 2027 EPS and 1.1x 2027 TBV, especially given expectations for 50%+ FY27E core EPS growth and ROTCE improving to about 15% from 11% in 2026.

Bears say

Live Oak Bancshares is facing a weaker fundamental outlook because credit quality is deteriorating, with the NCO ratio rising to 1.00%, unguaranteed nonperforming historical-cost loans increasing to 1.05% of HFI loans, and NPAs reaching 3.00% of assets. Earnings also disappointed, as 3Q EPS of $0.52 fell below both the $0.64 forecast and $0.66 consensus, driven by a $55mm provision that ran well above expectations and reflected distillery exits, loan growth, and weakness across multiple relationships. Capital and balance-sheet flexibility are also under pressure, with CET1 down 48 bps q/q to 9.94%, TBV/share down 1% q/q to $26.05, and AOCI losses widening to $85mm, leaving the company more vulnerable to a prolonged small-business recession and higher credit costs.

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.

LOB Analyst Forecast & Price Prediction

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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 Nov 13, 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 $41.75, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $41.75, 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: 163.75K

LOB Analyst Forecast & Price Prediction

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