LOBFinancial Services · Banks - RegionalThe 5 Wall Street analysts covering Live Oak Bancshares, Inc. hold a median 12-month price target of $45 — +28.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 33 of 100 as at 8 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 (88): 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 quant trader with fourteen 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 +28.7% from it.
Of the 20 most recent actions, 5 moved their price target up and 3 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 5 Oct 2026 | TD Cowen | Maintains | Buy | $49 → $44 |
| 19 Aug 2026 | Cantor Fitzgerald | Maintains | Neutral | $44 → $45 |
| 27 July 2026 | TD Cowen | Maintains | Buy | — |
| 27 July 2026 | TD Cowen | Maintains | Buy | $47 → $49 |
| 24 July 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 24 July 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | $45 → $47 |
| 15 July 2026 | Cantor Fitzgerald | Maintains | Neutral | $41 → $44 |
| 15 July 2026 | Cantor Fitzgerald | Maintains | Neutral | — |
| 27 Apr 2026 | Piper Sandler | Maintains | Neutral | — |
| 27 Apr 2026 | Piper Sandler | Maintains | Neutral | $40 → $41 |
| 27 Apr 2026 | TD Cowen | Maintains | Buy | — |
| 27 Apr 2026 | TD Cowen | Maintains | Buy | $51 → $47 |
| 24 Apr 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | $44 → $42 |
| 24 Apr 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 3 Feb 2026 | TD Cowen | Maintains | Buy | — |
| 24 Oct 2025 | Piper Sandler | Maintains | Neutral | — |
| 10 Sept 2025 | Cantor Fitzgerald | Initiates | Neutral | — |
| 19 Aug 2025 | Keefe, Bruyette & Woods | Upgrade | Outperform | — |
| 25 July 2025 | Keefe, Bruyette & Woods | Reiterates | Market Perform | — |
| 11 July 2025 | Keefe, Bruyette & Woods | Maintains | Market 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.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 8 Oct 2026, Live Oak Bancshares, Inc. returned −3.2% against +16.2% 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 40% of US stocks
Cheaper than 60% of US stocks
Higher than 57% of US stocks
Higher than 77% of US stocks
Higher than 91% of US stocks
Higher than 86% of US stocks
Higher than 67% 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 $857.9M.
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.
Trailing P/E: 12.2×; 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 →
Live Oak Bancshares announced it will report third-quarter 2026 financial results after U.S. financial markets close on Wednesday, October 21, 2026.
Why it matters — LOB watchers can note the scheduled date for the company’s third-quarter results announcement.
Live Oak Bank has been named the Official Business Bank of UNCW Athletics under a multi-year agreement, expanding its existing relationship with the university that includes title sponsorship of the Live Oak Bank Holiday Classic men's basketball tournament.
Why it matters — This expands Live Oak's brand exposure and partnership within its home Wilmington market through a deeper relationship with a local university athletics program.
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.
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.
The 5 Wall Street analysts covering Live Oak Bancshares, Inc. have a median 12-month price target of $45, with estimates ranging from $38 to $47. 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. 33 out of 100 across roughly 4,600 US stocks as at 8 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 8 Oct 2026, Live Oak Bancshares, Inc. ranks 33 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 (88 of 100).
No one can know that. What the data says: the median 12-month target from 5 analysts implies +28.7% from the last close, and Ticker Nerd's factor model ranks Live Oak Bancshares, Inc. 33 out of 100 as at 8 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 $47 over the next 12 months.
Live Oak Bancshares, Inc. returned -3.2% over the 12 months to 8 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 (GlobeNewsWire, 7 Oct 2026): "Live Oak Bancshares, Inc. Announces Date of Third Quarter 2026 Financial Results". Live Oak Bancshares announced it will report third-quarter 2026 financial results after U.S. financial markets close on Wednesday, October 21, 2026.
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
