LOBFinancial Services · Banks - RegionalThe 5 Wall Street analysts covering Live Oak Bancshares, Inc. hold a median 12-month price target of $41 — +18.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 32 of 100 as at 31 Oct 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores Live Oak Bancshares, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Growth (87): Sales and profits are climbing, and climbing faster than before.
Volatility (4): The share price moves around a lot.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on LOB, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +18.9% from it.
Of the 20 most recent actions, 5 moved their price target up and 5 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 26 Oct 2026 | TD Cowen | Maintains | Buy | $44 → $41 |
| 14 Oct 2026 | Cantor Fitzgerald | Maintains | Neutral | $45 → $41 |
| 14 Oct 2026 | Cantor Fitzgerald | Maintains | Neutral | — |
| 7 Oct 2026 | Piper Sandler | Maintains | Neutral | — |
| 7 Oct 2026 | Piper Sandler | Maintains | Neutral | $46 → $38 |
| 5 Oct 2026 | TD Cowen | Maintains | Buy | $49 → $44 |
| 5 Oct 2026 | TD Cowen | Maintains | Buy | — |
| 19 Aug 2026 | Cantor Fitzgerald | Maintains | Neutral | — |
| 19 Aug 2026 | Cantor Fitzgerald | Maintains | Neutral | $44 → $45 |
| 27 July 2026 | TD Cowen | Maintains | Buy | $47 → $49 |
| 27 July 2026 | TD Cowen | Maintains | Buy | — |
| 24 July 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | $45 → $47 |
| 24 July 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 15 July 2026 | Cantor Fitzgerald | Maintains | Neutral | $41 → $44 |
| 15 July 2026 | Cantor Fitzgerald | Maintains | Neutral | — |
| 27 Apr 2026 | Piper Sandler | Maintains | Neutral | $40 → $41 |
| 27 Apr 2026 | Piper Sandler | Maintains | Neutral | — |
| 27 Apr 2026 | TD Cowen | Maintains | Buy | — |
| 27 Apr 2026 | TD Cowen | Maintains | Buy | $51 → $47 |
| 24 Apr 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
LOB appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 30 Oct 2026, Live Oak Bancshares, Inc. returned +9.4% against +12.4% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 52% of US stocks
Cheaper than 39% of US stocks
Cheaper than 60% of US stocks
Higher than 24% of US stocks
Higher than 36% of US stocks
Higher than 88% of US stocks
Higher than 86% of US stocks
Higher than 66% of US stocks
Higher than 49% of US stocks
Higher than 64% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Live Oak Bancshares, Inc. has a market value of $1.6B and an enterprise value of $698.5M.
Revenue in the twelve months to 30 June 2026: $567.0M. The latest quarter shrank 2.3% year on year.
Net income over the same four quarters: $139.2M, a 24.6% net margin.
Diluted earnings per share, trailing twelve months: $2.84.
Free cash flow in the twelve months to 30 June 2026: $237.4M.
Live Oak Bancshares, Inc. spent $12.8M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 12.3×; forward P/E: 8.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.35%, paying out 4% of earnings.
Live Oak Bancshares, Inc. employs 1,027 people — $552K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Live Oak Bancshares, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
The Motley Fool highlighted two year-over-year gains at Live Oak Bancshares: preprovision net revenue rose 33% to $88 million, and Live Oak Express loan originations increased 173% to $107 million.
Why it matters — These figures give LOB watchers a snapshot of growth in preprovision revenue and Express lending activity.
Live Oak Bancshares reported third-quarter 2026 earnings per share of $0.52, including a $17 million provision related to its exited distillery lending portfolio. President BJ Losch said the provision reduced earnings by about $0.27 per share, while management highlighted record loan production, improving operating leverage, and growth in Express lending and business checking.
Why it matters — LOB watchers may weigh the earnings impact of the portfolio-related provision alongside management’s comments on loan production, operating leverage, and lending and checking initiatives.
Live Oak Bancshares held its Q3 2026 earnings call on October 22, 2026. The excerpt lists company executives and participating analysts but provides no discussion of results or outlook.
Why it matters — LOB watchers can note the call date and participants, but this excerpt contains no details about the company's performance.
Zacks Investment Research says Live Oak Bancshares’ Q3 headline earnings provide a view of results for the quarter ended September 2026, and points readers to key metrics compared with Wall Street estimates and year-ago values.
Why it matters — Those comparisons offer additional context for assessing LOB’s quarterly performance beyond its top- and bottom-line figures.
Live Oak Bancshares reported Q3 earnings of $0.52 per share, below the Zacks Consensus Estimate of $0.64. Earnings were $0.55 per share a year ago.
Why it matters — LOB watchers may note the quarterly earnings shortfall against estimates and the year-over-year comparison.
The 5 Wall Street analysts covering Live Oak Bancshares, Inc. have a median 12-month price target of $41, with estimates ranging from $38 to $42. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 5 analysts covering Live Oak Bancshares, Inc., 2 rate it a Buy, 3 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Live Oak Bancshares, Inc. 32 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 31 Oct 2026, Live Oak Bancshares, Inc. ranks 32 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (87 of 100).
No one can know that. What the data says: the median 12-month target from 5 analysts implies +18.9% from the last close, and Ticker Nerd's factor model ranks Live Oak Bancshares, Inc. 32 out of 100 as at 31 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Live Oak Bancshares, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for LOB are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $38 to $42 over the next 12 months.
Live Oak Bancshares, Inc. returned +9.4% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Live Oak Bancshares, Inc. is a bank holding company that operates through Live Oak Banking Company, providing specialty banking services focused on small businesses across the United States.
The most recent item we track (The Motley Fool, 26 Oct 2026): "Live Oak Bancshares: 3 Key Takeaways for Long-Term Investors". The Motley Fool highlighted two year-over-year gains at Live Oak Bancshares: preprovision net revenue rose 33% to $88 million, and Live Oak Express loan originations increased 173% to $107 million.
Live Oak Bancshares, Inc. is a bank holding company that operates through Live Oak Banking Company, providing specialty banking services focused on small businesses across the United States. The company offers deposit products, commercial lending, and related financial services through a national online platform, with emphasis on industries where it has developed deep lending expertise. Its business segments include Banking and Fintech, combining core banking operations with technology-oriented investments and services. Live Oak Bancshares also supports government-guaranteed loan services, renewable energy financing, and wealth and investment management offerings for select clients. Headquartered in Wilmington, North Carolina, Live Oak Bancshares plays a notable role in branchless banking by serving entrepreneurs and business owners with digital-first financial solutions.
CEO Mr. James S. Mahan III · 1,027 employees · United States · https://www.liveoak.bank
