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LOB Stock Forecast: Live Oak Bancshares, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026
$39
+0.23% on the day

The 5 Wall Street analysts covering Live Oak Bancshares, Inc. hold a median 12-month price target of $46 — +15.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 47 of 100 as at 12 Sept 2026 — in the lower half.

Market cap
$1.8B
Ticker Nerd rank
47 / 100
Median analyst target
$46
Analysts covering
5
Revenue$151.2M+6.5% y/y
Net income$36.7M
Free cash flow$28.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−0.8%
1M
−8.2%
YTD
+14.5%
1Y
+6.5%
From 52W high
−10.2%
From 52W low
+33.9%
$29
$44
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

LOB stock analysis: one number for the whole business

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.

Where the model ranks itAs at 12 Sept 2026
47 / 100

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
Momentum
74
Revisions
65
Issuance
59
Value
44
Quality
41
Size
37
Accruals
16
Volatility
5

Growth (87): Sales and profits are climbing, and climbing faster than before.

Volatility (5): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

LOB stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on LOB, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$30$35$40$45$50Oct 25Jan 26Apr 26Jul 26LOBHigh $49Median $46Low $45

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

What Wall Street says5 analysts
2 Buy3 Hold0 Sell
Low $45Median $46High $49

The green dot is the last close — the median target sits +15.9% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 5 moved their price target up and 2 moved it down.

DateFirmActionRatingTarget
19 Aug 2026Cantor FitzgeraldMaintainsNeutral$44 → $45
27 July 2026TD CowenMaintainsBuy—
27 July 2026TD CowenMaintainsBuy$47 → $49
24 July 2026Keefe, Bruyette & WoodsMaintainsOutperform$45 → $47
24 July 2026Keefe, Bruyette & WoodsMaintainsOutperform—
15 July 2026Cantor FitzgeraldMaintainsNeutral$41 → $44
15 July 2026Cantor FitzgeraldMaintainsNeutral—
27 Apr 2026Piper SandlerMaintainsNeutral—
27 Apr 2026Piper SandlerMaintainsNeutral$40 → $41
27 Apr 2026TD CowenMaintainsBuy—
27 Apr 2026TD CowenMaintainsBuy$51 → $47
24 Apr 2026Keefe, Bruyette & WoodsMaintainsOutperform$44 → $42
24 Apr 2026Keefe, Bruyette & WoodsMaintainsOutperform—
3 Feb 2026TD CowenMaintainsBuy—
24 Oct 2025Piper SandlerMaintainsNeutral—
10 Sept 2025Cantor FitzgeraldInitiatesNeutral—
19 Aug 2025Keefe, Bruyette & WoodsUpgradeOutperform—
25 July 2025Keefe, Bruyette & WoodsReiteratesMarket Perform—
11 July 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
25 Apr 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. LOB appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

LOB vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Live Oak Bancshares, Inc. returned +6.5% against +17.5% for the S&P 500, dividends included.

LOB vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120Oct 25Jan 26Apr 26Jul 26LOBS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

LOB analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+0.4%
Analysts raising
3
Analysts cutting
0
Fundamentals

Live Oak Bancshares, Inc. (LOB) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
13.7×

Cheaper than 49% of US stocks

Price / sales
3.5×

Cheaper than 36% of US stocks

Price / book
1.5×

Cheaper than 56% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
12.2%

Higher than 57% of US stocks

Earnings growth (YoY)
57.1%

Higher than 77% of US stocks

Gross margin
—
Operating margin
38.8%

Higher than 91% of US stocks

Net margin
26.5%

Higher than 87% of US stocks

Returns & dividend
Return on equity
11.7%

Higher than 67% of US stocks

Return on assets
0.9%

Higher than 49% of US stocks

Dividend yield
0.3%

Higher than 5% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Live Oak Bancshares, Inc. (LOB) statistics: revenue, profit & scale

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 $1.8B and an enterprise value of $1.1B.

  • Revenue in the twelve months to 30 June 2026: $567.0M. The latest quarter grew 12.2% 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.

  • Shares outstanding: 46.3M.

  • Trailing P/E: 13.7×; forward P/E: 9.3× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.31%, paying out 4% of earnings.

  • Live Oak Bancshares, Inc. employs 1,027 people — $552K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 14 Sept 2026

Data provided by Twelve Data

Peers

LOB vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
LOBLive Oak Bancshares, Inc.$1.8B
47
OCFCOceanFirst Financial Corp.$1.8B
14
STBAS&T Bancorp, Inc.$1.8B
89
DCOMDime Commercial Bancshares, Inc.$1.8B
54
HOPEHope Bancorp, Inc.$1.8B
56
FSUNFirstSun Capital Bancorp$1.8B
21
GABCGerman American Bancorp, Inc.$1.9B
91

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 →

News

Latest LOB news & analysis

Live Oak Bancshares (LOB) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now

Zacks Investment Research · 24 Aug 2026positive

Zacks reports that Live Oak Bancshares shares displayed a hammer chart pattern, indicating support after a recent decline. This, along with an upward trend in earnings estimate revisions, is seen as potentially signaling a trend reversal for the stock in the near term.

Why it matters — A LOB watcher would care because the technical chart pattern combined with rising earnings estimate revisions could indicate the stock is stabilizing and may be approaching a turnaround.

Live Oak Bancshares (LOB) is a Great Momentum Stock: Should You Buy?

Zacks Investment Research · 4 Aug 2026positive

Zacks Investment Research published an article examining whether Live Oak Bancshares (LOB) qualifies as a top stock pick for momentum investors, asking if the company has what it takes to be selected on that basis.

Why it matters — The piece signals that LOB is being considered by analysts as a candidate for momentum-focused investing strategies.

FAQ

Frequently asked questions about LOB stock

What is the LOB stock price forecast for 2026-2027?

The 5 Wall Street analysts covering Live Oak Bancshares, Inc. have a median 12-month price target of $46, with estimates ranging from $45 to $49. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is LOB stock a buy right now?

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. 47 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank LOB?

As at 12 Sept 2026, Live Oak Bancshares, Inc. ranks 47 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).

Will LOB stock go up?

No one can know that. What the data says: the median 12-month target from 5 analysts implies +15.9% from the last close, and Ticker Nerd's factor model ranks Live Oak Bancshares, Inc. 47 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the LOB stock forecast for 2030?

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: $45 to $49 over the next 12 months.

How has LOB stock performed over the past year?

Live Oak Bancshares, Inc. returned +6.5% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Live Oak Bancshares, Inc. do?

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.

What is the latest news on LOB?

The most recent item we track (Zacks Investment Research, 24 Aug 2026): "Live Oak Bancshares (LOB) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now". Zacks reports that Live Oak Bancshares shares displayed a hammer chart pattern, indicating support after a recent decline. This, along with an upward trend in earnings estimate revisions, is seen as potentially signaling a trend reversal for the stock in the near term.

Company

About Live Oak Bancshares, Inc.

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